Stablecoin wallet
Secure digital-asset wallet with stablecoin balances held side by side with fiat — ready to spend, send or settle. Solana and Bitcoin supported.
EIS Seed Round · Now open
The payments layer for digital money.
Peymo connects stablecoin wallets, card payments and embedded finance in one platform — live on iOS and Android, accepted in store and online, with named EUR, GBP and USD accounts and pay-ins and pay-outs in 120+ countries.
- HMRC EIS advance assurance
- Up to 30% income tax relief
- Invest from £10,320
- No obligation enquiry
- Seed round
- £4.3m
- Raised to date
- £1.5m
- Investors on board
- 80+
- Countries for pay-ins & pay-outs
- 120+
The platform
One account. Every way to pay.
Peymo brings digital assets into everyday commerce. Customers hold stablecoins, spend by card, receive by IBAN and run their business — all from a single app.
Cards & payments
A reloadable Visa card — with Apple Pay and Google Pay — and QR payments in store put digital value to work at the till, online and abroad.
Business services
A WooCommerce plugin and named business accounts let merchants accept, hold and move money across 120+ countries.
- Cryptocurrencies & tokens supported
- 200+
- Countries for pay-ins & pay-outs
- 120+
- Named accounts via SEPA, Faster Payments & ACH
- EUR · GBP · USD
- Compliance stack built in
- KYC · AML · Monitoring
Traction
Built, licensed partners in place, and live with customers.
This round is not funding an idea. It scales a product that customers already download, load and spend with today.
- Live
iOS & Android apps
Full mobile product in the App Store and Google Play.
- Live
Commerce integrations
WooCommerce plugin for online merchants and payments in physical stores.
- Approved
Visa card & IBAN
Card programme and IBAN approvals secured, with named EUR, GBP and USD accounts and pay-ins and pay-outs in 120+ countries.
- Backed
80+ investors, £1.5m raised
A committed early shareholder base already behind the business.
Shipping record
Every milestone was announced publicly, with dates.
- Platform unveiled and covered by FinTech Global
- Letters of intent signed in Africa and Australia
- Android app live on Google Play
- iOS app live on the Apple App Store
- Payment gateway approved in the WordPress Plugin Directory for WooCommerce
- Reloadable Visa card live on iOS and Android
- Pay-in and pay-out infrastructure expanded for businesses
- Virtual EUR, GBP and USD accounts in the user’s own name
- Stablecoin-first banking app with AI support assistant
International pipeline
Interest beyond the UK.
In December 2025 Peymo signed non-binding letters of intent with two groups exploring its AI-driven embedded finance platform for their markets.
AfricaNon-binding LOI
FORUS Digital Group
Network of financial institutions with potential reach of 100m+ users
Exploring Peymo for faster onboarding, digital wallets, embedded payments and automated compliance for underserved users and institutions.
AustraliaNon-binding LOI
SAAVI Limited
Serves around 95,000 restaurants and businesses
Exploring Peymo for AI-driven payments, merchant accounts and financial automation across its business network.
Letters of intent are non-binding and do not guarantee a commercial agreement or revenue. Read the announcement
The round
£4.3m EIS seed round.
Capital to accelerate product, distribution and the operational strength of a regulated-grade payments business.
Target raise
£4,300,000
- Minimum investment
- £10,320 (one block)
- Price per share
- £0.1032
- Pre-money valuation
- £20.64m
- Post-money valuation
- £24.94m
- New shares
- 41,666,667
- Tax status
- EIS advance assurance
Use of funds
- 50%
Product & infrastructure
Deepen the platform and strengthen the technical core for scale.
- 33%
Growth & distribution
Expand routes to market and accelerate customer and merchant acquisition.
- 17%
Operations & compliance
The operating and compliance backbone a growing payments business needs.
Live calculator
See exactly what your investment buys.
Calculated on the round terms — £0.1032 per share, £24.94m post-money — with EIS reliefs applied for a qualifying investor.
Your shares
242,248
0.1002% of Peymo post-money
Invested 242,248 shares × £0.1032£24,999.99
EIS income tax relief− £7,500
Net cost to you£17,500
At a £249.4m exitCGT-free
£175,000
Maximum exposure after EIS loss relief
£10,500
If the company fails, loss relief at 40% reduces your net loss to 42.0p per £1 invested.
Register interest for £25,000 →
Scenario figures are arithmetic on your chosen inputs, not a forecast. Tax reliefs depend on individual circumstances and holding shares for at least three years.
Enterprise Investment Scheme
Among the most generous tax reliefs in the UK.
Peymo holds HMRC advance assurance for this EIS share issue. Qualifying UK taxpayers can benefit from four reliefs.
Income tax relief
Reduce your income tax bill by 30% of the amount invested — and carry it back to the previous tax year.
Capital gains tax
Gains on EIS shares held for three years or more are free of capital gains tax.
Loss relief
If shares are disposed of at a loss, the net loss can be offset against income or capital gains.
CGT deferral
Defer capital gains from other assets by reinvesting them into EIS-qualifying shares.
Leadership
A full executive team, in place.
Every core function — product, technology, finance, operations and growth — is led by a dedicated executive. Peymo’s three directors are identity-verified on the Companies House register.
Tomas Bartos
Chief Executive Officer · Director
25+ years in legal and financial structuring, fintech, compliance and blockchain advisory across Europe, the US and Asia. Previously DTLG Fund, Logica PLC and NTT.
Yoakim Peter Jaegerstierna
Chief Operating Officer · Director
15+ years in payments and regulated finance. An early executive at a European EMI, leading licensing, operational risk and KYC/AML. Consumer M&A experience involving Unilever.
Martin Hopper
Chief Financial Officer · Director
Specialist in UK financial administration and EIS/SEIS fundraising. Has advised growth companies on modelling, capital structuring and licensing in Europe and the Gulf.
David Williams
Chief Technology Officer
Former engineer at Apple, Google, Amazon and PayPal, with an engineering master’s from MIT. Leads Peymo’s LLM-based AI modules.
Patrick Hames
Chief Marketing Officer
Capital raising, enterprise sales and digital strategy. Senior roles at BT, Verizon and Southwestern Bell, and an adviser to startups on fundraising.
Peter Keller
Head of PR & Marketing Strategy
Worked at British Airways during its privatisation. Founder of Starlite Pictures and former Vice President of the European Association of Producers.
How to invest
Three simple steps.
- 1
Request the pack
Receive the full investor pack with terms, financials and the subscription process — usually the same day.
- 2
Speak to the team
A private call with the leadership team to answer every question you have.
- 3
Subscribe
Complete your subscription and receive your share certificate and EIS3 certificate for claiming relief.
Questions
What investors ask us.
Anything else? Book a call with the team →
What is Peymo?
Peymo is a payments platform that connects stablecoin wallets with card payments, IBAN accounts and business tools. Its iOS and Android apps are live, it supports in-store payments, and it offers a WooCommerce plugin for online merchants.
How can I verify Peymo independently?
Peymo Ltd is registered in England and Wales under company number 13887920, with legal entity identifier 984500CC7FD75D585020. You can download the app from the App Store or Google Play, find the payment gateway in the WordPress Plugin Directory, and read independent coverage in FinTech Global.
What are the terms of the round?
Peymo is raising £4.3m at £0.1032 per share, a £20.64m pre-money and £24.94m post-money valuation, issuing 41,666,667 new shares. The investor pack sets out share class and closing details.
What is the minimum investment?
The minimum investment is one block of 100,000 shares at £0.1032 each — £10,320. EIS income tax relief applies to qualifying investments of up to £1m per tax year.
How does EIS relief work?
HMRC has granted advance assurance for this share issue. Qualifying investors can claim 30% income tax relief, pay no capital gains tax on gains after three years, claim loss relief and defer other gains. You receive an EIS3 certificate after the shares are issued, which you use to make your claim.
Who can invest?
The offer is open to UK investors who qualify as high net worth, sophisticated or restricted investors. We take you through a short categorisation and appropriateness check before you subscribe.
When could I see a return?
Returns from early-stage shares typically come through an exit such as a sale of the company or a listing, which can take several years. Shares are not readily tradeable in the meantime, so invest money you can leave in place for the long term.
Is there any obligation if I enquire?
None. Requesting the pack or booking a call simply gives you the full information to make your own decision.
Next step
Request the Peymo investor pack.
Receive the full terms, company information and subscription details, or book a private call with the leadership team.
- Full round terms and use of funds
- Invest from £10,320
- EIS advance assurance details
- Private call with the leadership team
- No obligation to invest
80+investors have already backed Peymo, with £1.5m raised to date.
Your details are kept private and never shared.
Before you invest
Worth knowing.
- Early-stage investing carries real risk. Like any start-up investment, your capital is at risk and you could lose all of it, so only invest what you can afford to.
- This is a long-term investment. Shares aren’t easily sold, and returns usually come from an exit, which can take several years.
- Future funding rounds may dilute your shareholding as Peymo grows.
- FSCS and Financial Ombudsman protection is unlikely to apply to this investment.
- EIS tax relief depends on your personal circumstances and on Peymo continuing to qualify.