Peymo Ltd, a UK-based FinTech, has 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 into one unified system. Built on proprietary modular architecture, the platform enables users to manage GBP, EUR, crypto assets, and branded debit cards in one place, while enterprises can integrate full banking functions via 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.” Branded as “Peymo AI – Smarter Banking for Every User,” the platform delivers powerful AI through a voice-first interface with 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 ensure asset protection in real time. A built-in smart referral engine identifies potential users within a network, dispatches personalised invitations via WhatsApp or voice, and tracks referral success. Operationally, Peymo’s AI powers instant onboarding in under five seconds, continuous transaction monitoring for faster clearances and real-time deposits, and self-improving system code through usage-based AI feedback to keep the platform fast, compliant, and lean. As a true hybrid financial engine, Peymo’s AI also helps users navigate their entire portfolio — from crypto to fiat, gold to tokenised assets — identifying the smartest route, timing, and format for each transaction, ensuring efficiency, transparency, and full control. Its autonomous architecture supports scalable growth by identifying high-value B2B leads and ideal embedded finance partners who can adopt Peymo’s wallets, KYC tools, cards, or payment systems at scale. Simultaneously, human-sounding voice agents engage users directly — offering guidance, upsell suggestions, and personalised support to unlock unused features, deliver premium upgrades, and execute activation nudges, with the system scalable to millions of tailored interactions per hour.