Peymo launches AI-driven hybrid banking platform to unify finance tools

By Puja Sharma

Peymo Ltd, a UK-based FinTech has launched the world’s first AI-powered multi-hybrid bank. This digital finance platform 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,” said 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 delivers powerful AI through a voice-first interface. The system features continuous listening, instant intent recognition, and multimodal confirmations to enable secure, hands-free banking.”

Behind the interface, five specialised AI agents monitor user behavior, track market activity, optimise payments, and provide asset protection — all in real time.

A built-in smart referral engine identifies potential new users within a network, dispatches personalised invitations via WhatsApp or voice, and tracks successful referrals.

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 tokenised 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’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 personalised help to unlock features they’ve missed. From premium upgrades to activation nudges, every call is tailored, contextual, and scalable to millions per hour.