THE INVESTOR CASE
Making Crypto spendable
THE PROBLEM
Crypto is owned - but not usable
A massive gap between ownership and real-world usability.
582M+
a massive
people own crypto
<0.1%
only
can spend it or use it
$3T gap
this is a
in everyday payments
THE SOLUTION
We're not a crypto app
we make crypto spendable
The missing payment layer between crypto and real-world payments.
Connecting crypto to everyday transactions
Built on stablecoin infrastructure
Enabling global, seamless usage
OUR PRODUCT
One app. All financial flows.
Everything you need to spend, send, receive, and manage crypto & fiat - in one seamless app.
Pay in-store (QR)
Send crypto globally
Pay on-line (Checkout)
Payment links & invoices
Pay with card (global)
Referral built-in program
Receive fiat -> in crypto
Multi.currency wallet
Live & Validated
Already live
iOS & Android app live
WooCommerce plugin live
Payments in any physical store
80+ investors onboarded
Infrastructure in Place
Visa card program approved
Payments in 120+ countries
GBP, SEPA & multi-currency IBAN
EIS eligible (UK investors)
Global Infrastructure
ready to scale
Distribution Built-in
Access to millions of merchants via WooCommerce
Embedded finance partnerships (B2B2C)
Scalable onboarding through API integrations
Global reach from day one
Monetization Built-In
Transaction fees on every payment
Card & interchange revenue
SaaS & white-label solutions
High-margin, multi-revenue model across consumer & merchant layers
1. Decentralized Crypto
Self-custody wallet combined with real IBAN accounts & payment cards.
2. Crypto Made Simple for Everyday Use:
No wallets, no gas fees — just send, receive and pay instantly.
3. Spend Crypto Anywhere:
Pay online, in-store, via card or QR — seamlessly.
4. Global Payouts in 120+ Countries:
Send crypto — recipients receive local fiat in their own name.
5. AI-Driven Cost Reduction & Growth:
Automated onboarding, compliance, support and marketing.
The EIS
HMRC has confirmed Advanced Assurance for Peymo Ltd under the
Enterprise Investment Scheme (EIS)
1
Real-world usage, not trading
Actual payments in everyday life.
2
Product people actually use
No friction. No switching. No complexity.
3
Instant, borderless payments
No chargebacks. Global from day one
Crypto adoption is already here
Stablecoin infrastructure is ready
Real-world usability is the missing layer