London-based fintech startup Peymo has launched an AI-powered hybrid banking platform that merges fiat, crypto, tokenized assets, and embedded finance into a single system. The innovation includes voice-first banking, AI agents, and seamless onboarding—all aiming to revolutionize financial services for both consumers and businesses.
Peymo, a FinTech company headquartered in London, England, has officially launched what it describes as the world’s first AI-powered multi-hybrid banking platform. Designed for both businesses and consumers, the platform merges traditional fiat banking with digital asset wallets, tokenized assets, and embedded financial services—creating a unified banking experience.
The system is built on Peymo’s proprietary modular architecture, enabling users to seamlessly manage GBP, EUR, and digital asset holdings, as well as branded debit cards—all from a single interface. Enterprise clients can also benefit from full banking functionality through simple API integrations, significantly simplifying financial operations.
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.”
Tomas Bartos, founder of Peymo
A standout feature of Peymo’s platform is its AI-driven, voice-first interface, which offers secure, hands-free banking. Using continuous listening and real-time intent recognition, users can manage their accounts safely through multimodal confirmations.
Behind the scenes, five specialized AI agents work together to monitor behavior, detect market trends, optimize payments, and ensure the security of user assets. The platform also features a smart referral engine that automates outreach via WhatsApp and voice invitations, targeting new users from existing customer networks.
Additionally, Peymo’s AI enables rapid onboarding—customers can activate their accounts in under five seconds. Real-time monitoring supports faster transaction clearances and instant deposits. The system continuously improves through usage-based AI feedback, maintaining compliance, security, and operational efficiency.
This AI-powered hybrid platform is capable of managing portfolios in fiat, digital currencies, gold, and tokenized assets. Peymo’s intelligent engine analyzes the most effective route, timing, and form of each transaction, ensuring both transparency and user control.
With this launch, Peymo positions itself at the forefront of financial innovation in the United Kingdom, aiming to reshape how individuals and businesses interact with modern banking systems.
