AI Based Fintech Start-up company is Looking for Seed Funding in London. An AI-powered fintech platform that connects all a user’s payment cards into one simple app and automatically selects the best card for every transaction. By analysing merchant category, location, currency, rewards, and fees in real time, the technology maximises rewards and eliminates unnecessary costs with a single tap. Targeting 120 million premium card users globally within a £4 trillion annual spend market, the platform addresses a widespread pain point faced by multi-card professionals. Revenue streams include subscriptions, transaction and FX revenue share, and B2B licensing. With strategic fintech partnerships and patent-pending technology, the business is positioned to become a global financial intelligence platform.

We are seeking $1 Million in SEIS/EIS-eligible seed funding in exchange for 10% equity, giving a pre-money valuation of £6.75 million. Funds will be deployed over 18 months towards Railsr platform setup and minimums ($315,000), development team expansion ($300,000), marketing and user acquisition ($200,000), legal and compliance ($66,700), and operations plus contingency ($80,000). This provides runway to launch MVP and achieve profitability by month 16.

Company's AI connects all your cards and automatically picks the best one for every purchase—maximising rewards, eliminating fees, and making financial optimisation effortless with a single tap

Problem: 78% of professionals carry 3+ cards but 42% regularly miss rewards and pay unnecessary fees—costing users hundreds annually. Solution: Our proprietary AI analyses merchant category, location, currency, and card terms in real-time to automatically route every transaction to the optimal card. Market: 120 million premium card users globally with £4 trillion annual spend—growing 40% year-on-year. Traction: Partnerships secured with Railsr (BaaS) and TrueLayer (Open Banking). Patent-pending AI technology. Business Model: Multiple revenue streams—subscriptions (£9.99/mo), transaction fees, FX/interchange revenue share, and B2B licensing. Team: Fintech expertise with advisors from Revolut and Monese, Wise, Guavapay, Ria, Talkremit

Company's future potential extends far beyond card optimisation. We will evolve into a complete financial intelligence platform. Phase two adds family finance hubs with automated allowances and rewards pooling. Phase three introduces merchant partnerships where our aggregated spending data unlocks exclusive discounts for users. Phase four expands into business tools for freelancers and SMEs including automated expense categorisation and tax reporting. Longer term, our AI technology can license to banks and card issuers as a white-label optimisation layer. The vision is to become the default operating system for how people interact with their money globally, processing billions in transactions annually.

Founder & CEO, brings 15years experience in Fintech. Supported by advisors from Revolut and Monese, Wise, Guavapay, Talkremit with deep fintech and scaling expertise.

Company operates in a £4 trillion market with 120 million premium card users globally. Competition falls into three categories. Card aggregators like Curve show all cards together but don't optimise spending automatically. Neobanks like Revolut, Monzo, and Monese offer basic card management but lack AI-driven cross-card optimisation. Traditional banks provide no unified view across multiple cards. Our advantage is real-time AI that actively selects the optimal card for every transaction rather than just displaying information. This automation solves the problem completely while competitors only address it partially. The market is growing rapidly with premium card adoption up 40% year-on-year.

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