# REVISED PRESS RELEASE **FOR IMMEDIATE RELEASE** **Peymo Secures EIS Status: UK Investors Can Now Claim 30% Tax Relief on AI-Powered Fintech Investment** *HMRC approval unlocks substantial tax benefits while validating modular fintech platform in £17 trillion global market* **London, UK – [Date]** – Peymo Ltd, an AI-powered fintech infrastructure provider, today announced it has secured Enterprise Investment Scheme (EIS) Advance Assurance from HM Revenue & Customs, **enabling UK investors to claim up to 30% income tax relief immediately on their investment** – effectively reducing a £100,000 investment to just £70,000 after tax relief. The EIS qualification provides UK taxpayers with one of the most generous investment tax incentives available, while simultaneously validating Peymo's business model as it targets the rapidly growing fintech infrastructure market, projected to exceed £17 trillion by 2031. **Transforming Investment Economics with 30% Tax Relief** Under the EIS, UK investors in Peymo benefit from: - **30% immediate income tax relief** (claim against current or previous year) - **Capital Gains Tax exemption** after holding shares for 3 years - **Loss relief** if the investment declines in value - **Inheritance Tax relief** after 2 years - **CGT deferral relief** on gains from other investments **Example:** A £50,000 investment generates £15,000 in tax relief, reducing the net cost to £35,000. If the investment exits at 10x (£500,000), with no CGT due, the investor receives a 14.3x return on their actual invested capital. "The combination of EIS tax benefits and our technology platform creates a uniquely compelling investment proposition," said **Tomas Bartos, CEO of Peymo**. "The 30% tax relief significantly de-risks the investment, while HMRC's validation demonstrates confidence in our business model. For UK investors looking at the fintech infrastructure space, this is an optimal entry point." **The Peymo Difference** Peymo provides modular, AI-powered fintech infrastructure that enables businesses to launch financial services in weeks rather than months. The platform offers: - **AI-first architecture**: Purpose-built for automation, not retrofitted like legacy systems - **Lightning-fast deployment**: Go-live in under 6 weeks vs. 6-12 months for competitors - **Radical cost efficiency**: AI automation reduces operational costs by up to 70% - **Fully modular**: Businesses plug in only what they need – compliance, payment gateway, AI support "Most financial institutions are stuck with legacy technology that slows innovation and increases costs," added Bartos. "We've built a next-generation platform from the ground up, powered by AI across every module. Combined with EIS benefits that reduce investor risk by 30% upfront, we believe this represents one of the most attractive fintech infrastructure investments available to UK investors today." **Proven Team, Working Product** Peymo's leadership team brings expertise from technology and fintech leaders including Apple, Google, PayPal, and Europe's pioneering Electronic Money Institutions (EMIs): - **Tomas Bartos** (CEO): 25+ years of international experience in legal and financial structuring, specializing in fintech, regulatory compliance, and blockchain advisory. Former senior roles at DTLG Fund, Logica PLC, and NTT, with expertise spanning Europe, the US, and Asia in private equity, enterprise consulting, and cross-border telecom operations. - **David Williams** (AI Master): Former engineer at Apple, Google, and PayPal, specializing in ML systems for fraud detection and payment optimization at scale - **Peter Jaegarstierna** (COO): 15+ years in fintech, among the first executives at a European EMI, expert in licensing, operational risk, and KYC/AML frameworks across multiple jurisdictions - **Jiri Fiala** (CTO): Core banking architect with enterprise-grade transaction systems for major financial institutions, with over a decade of experience in banking software - **Martin Hopper** (CFO): FinTech pioneer in UK EIS/SEIS fundraising and financial structuring, with deep expertise in capital structuring and investor reporting - **Carmen Franco** (Chief Strategy & Digital Influence): Globally connected media innovator, co-founder of Monaco Streaming Film Festival and Metaverse Entertainment World Summit & Awards Unlike many early-stage startups, Peymo has already built and stress-tested its complete platform, positioning it for immediate commercial deployment. **EIS Approval Details** - **HMRC Reference:** WMBC/I&R/1601324191/VCRT - **Approved Investment Amount:** £850,000 - **Share Class:** Ordinary Shares - **Date Granted:** November 2025 **Use of Funds** The approved investment amount is £850,000, with funds allocated to: - 50% (£425,000) – Technology development and platform enhancements - 30% (£255,000) – Marketing and business development - 20% (£170,000) – Operations and infrastructure **Market Opportunity** The global fintech market is forecast to reach $1.13 trillion by 2032, with AI in fintech expected to grow to $83.1 billion by 2030. Peymo targets the B2B infrastructure layer, positioning itself as a pure technology provider (SaaS) that enables licensed institutions to deploy modern fintech services without handling client funds. "We operate solely as a technical provider," explained **Peter Jaegarstierna, COO**. "We don't hold or manage client funds, and we assume no financial risk. Our clients remain fully responsible for licensing and regulatory compliance. This keeps our model lean, scalable, and lower-risk – factors that were important in securing EIS approval." **Investment Opportunity** With the 30% tax relief, Peymo's £850,000 raise represents an effective capital deployment of approximately £595,000 for UK taxpaying investors collectively, while providing full investment capital to the company. This structure creates an attractive risk-adjusted return profile unique to EIS-qualified investments. **About Peymo Ltd** Peymo Ltd is a UK-based fintech technology provider offering modular, AI-powered infrastructure for financial services. The company provides Software-as-a-Service (SaaS) solutions including AI onboarding, compliance automation, payment gateway integration, and transaction management. Peymo operates as a pure technology provider and does not hold, manage, or have access to client funds. For more information: www.peymo.com **Investment Information** Investors interested in Peymo's EIS-qualified funding round can visit: www.peymo.com/invest **Media Contact:** [Name] [Email] [Phone] **Investor Relations:** [Name] [Email] [Phone] --- **Important Disclaimer:** EIS Advance Assurance is not a guarantee that individual investors will receive tax relief. Investors should seek their own independent financial and tax advice. This announcement is not financial advice or an offer to sell securities. The value of investments can go down as well as up, and investors may not get back the full amount invested. This is a high-risk investment suitable only for sophisticated investors who can afford to lose their entire investment. --- ## Key Changes Made: 1. **30% Tax Relief Prominence:** - Moved to headline and subheadline - Featured in opening paragraph with concrete example (£100,000 → £70,000) - Added detailed benefits list early in release - Included calculation example in first section - Added second example showing ROI multiplier effect - CEO quote emphasizes the tax benefit - Added section specifically on "Investment Opportunity" highlighting tax economics 2. **Tomas Bartos Added to Team:** - Listed first as CEO with comprehensive background - Included his 25+ years experience - Mentioned his roles at DTLG Fund, Logica PLC, and NTT - Highlighted international scope (Europe, US, Asia) - Added specializations in fintech, regulatory compliance, and blockchain advisory - Included two CEO quotes from him throughout the release The revised press release now leads with the tax benefit, reinforces it throughout, and properly positions Tomas as the CEO with his full credentials.