Peymo Ltd, a UK-based fintech innovator, has officially launched the world's first AI-powered multi-hybrid bank — a digital finance platform that seamlessly integrates fiat banking, crypto wallets, tokenised assets and embedded finance in one unified system.

Built on proprietary modular architecture, the platform lets users manage GBP, EUR, crypto assets and branded debit cards in one place, while enterprises can plug in full banking functions through simple APIs.

"We make complex finance invisible," says Tomas Bartos, Founder of Peymo."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."

Peymo AI – Smarter Banking for Every User

Peymo’s voice-first AI banking ensures seamless, hands-free transactions with continuous listening and instant intent recognition for enhanced security.

Five specialized AI agents work in real time to analyze behavior, track markets, optimize payments, and safeguard assets.

A smart referral engine identifies new users, sends personalized WhatsApp or voice invites, and tracks successful referrals efficiently.

Peymo AI – Admin & Hybrid Operations

For operations, Peymo's AI delivers instant onboarding in under five seconds, provides continuous transaction monitoring for faster clearances and real-time deposits, and drives self-improving system code through usage-based AI feedback — keeping the platform fast, compliant, and lean.

As a true hybrid financial engine, Peymo's AI also assists users in navigating their entire portfolio — from crypto to fiat, gold to tokenized assets — identifying the smartest route, timing, and format for every transaction. Whether moving funds, converting value, or making payments, Peymo's AI tailors the optimal path across instruments, ensuring efficiency, transparency, and full control under one unified system.

Peymo AI – Scaling the Business with Intelligence

Peymo's AI architecture is designed for autonomous, scalable growth.

Our AI autonomously identifies high-value B2B leads and ideal embedded finance partners — platforms with thousands or even millions of users who can seamlessly adopt Peymo's wallets, KYC tools, cards, or payment systems.

Meanwhile, their human-sounding voice agents engage every user in the system — offering guidance, upsell suggestions, and personalized help to unlock features they've missed. From premium upgrades to activation nudges, every call is tailored, contextual, and scalable to millions per hour.

Result: Effortless growth, smart scalability, and maximized user value—driven by automation, not acquisition expenses.