AI-First Fintech Platform Peymo Secures EIS Status, Unlocking 30% Tax Relief for UK Investors

HMRC validation positions modular fintech SaaS provider for rapid growth in £17 trillion global market.

📣 London – 12.11.2025 – Peymo Ltd, is pleased to announce that it has secured formal Advance Assurance from HM Revenue & Customs (HMRC) under the UK’s Enterprise Investment Scheme (EIS).

• HMRCReference: WMBC/I&R/1601324191/VCRT

What is EIS & why it matters

The Enterprise Investment Scheme is a UK Government-backed initiative to support early-stage, high-growth UK companies by giving individual UK taxpayers attractive tax reliefs when they invest. These reliefs help reduce the risk of investing in smaller companies and encourage capital flowing into UK innovation.

This important milestone confirms that investors in Peymo may be eligible for the full range of EIS tax advantages.

What this means for UK taxpayer-investors

 Key benefits for eligible investors include:

• Income tax relief: Investors may claim up to 30% relief on the amount invested.  

• Capital gains tax (CGT) exemption: If the shares are held for at least three years any gain on disposal of the shares may be free of CGT.  

• Capital gains deferral: Gains arising from earlier assets can be deferred if they are reinvested into EIS-qualifying companies.  

• Loss relief: If the investment fails, an investor may claim relief to offset the loss against income tax or capital gains tax.  

• Inheritance tax (IHT) relief: EIS shares can qualify for 100% Business Property Relief and so may be exempt from inheritance tax provided they have been held for at least two years at the time of the investor’s death and other conditions are satisfied.   

Why now?

With the EIS Advance Assurance secured, UK investor capital can be deployed into Peymo with the confidence that the tax reliefs may apply (subject to U.K. taxpayer status). This gives Peymo the runway to accelerate its roll-out of the modular fintech stack, scale into new geographies, strengthen strategic partnerships and deliver its client-acquisition roadmap.

The Peymo Platform

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 operating with legacy technology that slows innovation and increases costs," said Tomas Bartos, CEO of Peymo. "We' are building a next-generation platform from the ground up, powered by AI across every module. The EIS advance assurance from HMRC validates that our business model meets the scheme's qualifying criteria."

Market Context

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."

About EIS

The Enterprise Investment Scheme is administered by HMRC and offers tax reliefs to U.K. taxpayer individual investors who buy shares in qualifying companies. 

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.

Important cautionary statement

This press release is for information purposes only and does not constitute investment or tax advice. Investors should obtain their own independent financial, tax and legal advice before making any investment decision.

For more information:

Media Contact Tomas Bartos 

Email: tb@peymo.com

Website: www.peymo.com