Peymo Launches AI-Powered Multi-Hybrid Banking Platform for Digital Finance

UK-based fintech company Peymo has launched a new digital banking platform that uses artificial intelligence (AI) to combine different types of financial services in one place. According to Yahoo Finance, the Peymo multi-hybrid banking platform brings together regular banking, cryptocurrencies, tokenised assets, and embedded finance into one system.

This platform allows users to manage traditional money, e.g., GBP and EUR, digital currencies like crypto, and branded debit cards all through a single app. Businesses can also use Peymo’s APIs to add banking services to their websites or apps, making it easier for them to serve customers.

Seamless Banking with AI and Multi-Asset Support

A big part of Peymo’s platform is its use of AI. The system includes a voice-based assistant that listens to users, understands what they want, and gives instant feedback. This makes banking faster, easier, and more secure, especially when users are busy or on the move. The platform also uses five smart AI tools that work in the background to watch user activity, protect their money, and help with payments.

AI also helps speed up new user sign-ups by using tools like facial recognition to quickly confirm someone’s identity. It keeps an eye on all transactions in real time to stop fraud. As more people use the system, AI learns and gets better at helping users.

Peymo also lets users do a lot with their money, including using crypto wallets, sending and receiving tokens, and even making crypto payments in physical shops using contactless methods. The platform supports international transfers with multi-currency IBANs, making it easy for people and businesses to send money across borders.

One of Peymo’s biggest advantages is that it brings all types of assets, regular currency, cryptocurrency, tokenised gold, and more, into one place. Users can view and manage everything in one dashboard. The AI gives helpful suggestions to improve how they manage their money. This mix of old and new financial tools gives people more freedom and control.

Building the Future of Embedded Digital Finance

Peymo wants to make banking features available inside any app or service through its embedded digital finance model. With its advanced APIs, businesses can add things like payment options, crypto tools, debit cards, and account security to their platforms. This is useful for apps, marketplaces, or startups that want to offer financial services without building anything from scratch.

To reach more people, Peymo uses a smart referral engine. It looks for new users in current networks and sends them custom invites through chat apps and other messaging platforms. This AI-driven system helps Peymo grow faster without needing big ad campaigns.

Peymo’s founder, Tomas Bartos, said, “We make complex finance invisible. By fusing AI, fiat, crypto, and embedded finance into a single stack, we’re delivering the next generation of banking — and it’s ready today.”

Although Peymo is a new name, the core banking technology it uses has been running since 2012. The company is now raising €5 million to grow its operations. It has already received letters of intent from potential partners in Africa, Australia, and Europe.

As more people look for smarter ways to manage money, Peymo offers a fresh, modern solution. With its powerful AI, multi-currency hybrid bank features, and easy-to-use design, it is ready to become a leader in how we do banking in the future.