ZTLment

🎉 I am stoked to share our partnership with Vibrant.io! 🚀 We have set out to help ordering-, booking-, and marketplace platforms move other people’s money easily and compliantly. 🤝 We realized that it is a win-win to connect Vibrant’s platform for payment collection from buyers with our platform for funds distribution to vendors. 🔎 If you are interested in learning more then ping Stefan, Kasper, or myself - or alternatively catch me at Nordic Fintech Week today or tomorrow. 🙏 Thanks to FinansWatch (DK) for covering it earlier this week - “Previously, it has only been larger payment service providers that have offered this service” is one of those sentences that motivates!

Since I was a kid, I always knew I was destined to make a difference. While I didn't know exactly how or when, I felt it would happen one day. My professional journey has been guiding me toward this goal, and now, 𝗮𝘁 𝗭𝗧𝗟𝗺𝗲𝗻𝘁, 𝗶𝘁'𝘀 𝗯𝗲𝗰𝗼𝗺𝗶𝗻𝗴 𝗮 𝗿𝗲𝗮𝗹𝗶𝘁𝘆. We’re eliminating middlemen, streamlining processes, and automating what once was tedious and manual. With that said, I’m excited to announce that 𝗜’𝘃𝗲 𝗿𝗲𝗰𝗲𝗻𝘁𝗹𝘆 𝘀𝘁𝗲𝗽𝗽𝗲𝗱 𝗶𝗻𝘁𝗼 𝘁𝗵𝗲 𝗿𝗼𝗹𝗲 𝗼𝗳 𝗗𝗶𝗿𝗲𝗰𝘁𝗼𝗿 𝗼𝗳 𝗕𝘂𝘀𝗶𝗻𝗲𝘀𝘀 𝗗𝗲𝘃𝗲𝗹𝗼𝗽𝗺𝗲𝗻𝘁! It’s incredibly rewarding to be part of the movement that’s decentralizing payments, making them sharper, faster, and frictionless. We’re breaking away from outdated systems and pioneering advanced technology in the process. As we continue to innovate and push boundaries, 𝗜’𝗺 𝗲𝘀𝗽𝗲𝗰𝗶𝗮𝗹𝗹𝘆 𝗲𝘅𝗰𝗶𝘁𝗲𝗱 𝗮𝗯𝗼𝘂𝘁 𝗼𝘂𝗿 𝘂𝗽𝗰𝗼𝗺𝗶𝗻𝗴 𝗹𝗮𝘂𝗻𝗰𝗵: 𝘁𝗵𝗲 𝗖𝗼𝗺𝗽𝗹𝗶𝗮𝗻𝘁 𝗪𝗮𝗹𝗹𝗲𝘁 𝗜𝗻𝗳𝗿𝗮𝘀𝘁𝗿𝘂𝗰𝘁𝘂𝗿𝗲. This groundbreaking solution is set to transform how marketplaces and online platforms manage payments, offering secure, automated, and fully compliant transactions. I’m proud to be part of such a forward-thinking team, and I can’t wait to see the impact we’ll make together in the fintech space. Here’s to the future and the incredible opportunities it holds! 🚀 ZTLment

ZTLment has secured €2.4m in total Pre-seed Funding „to replace outdated bank account” Copenhagen-based fintech startup, ZTLment, has made waves as the first in Europe to pioneer compliant wallet infrastructure on decentralised rails for ordering- and booking platforms. „Having raised €2.4 million in total pre-seed funding, ZTLment aims to eliminate the need for outdated banking infrastructures once and for all and make it easy to make programmable and peer-to-peer payments.” – according to the press release. Led by the three co-founders, Mads Stolberg-Mathieu, Harry Kearney, and Jason Spasovski, the company said „is the first in Europe to figure out how to do fiat money transfers on decentralised rails in end-to-end compliance with Europe’s open banking law”. ZTLment’s approach addresses the longstanding challenges faced by ordering and booking platforms, including automating fund flows, enhancing payment transparency, and maintaining regulatory adherence. It also addresses a broader shift in the market between finance- and product teams. Commercially, the company makes this transition easy without its customers having to recruit expensive payment operations specialists that can easily cost €70k or more per year. The company does this by offering Compliant Wallet Infrastructure. Each platform customer is empowered with an unlimited number of wallets to streamline payments efficiently and transparently without the burden of navigating – or having to worry about – technical or regulatory complexities. Customers can allocate a multicurrency wallet for every platform vendor, facilitate split payouts, and release funds in escrow based on data events – all without worrying about the underlying rails. “Blockchain provides programmability, integrity, and 24/7 availability without a single point of failure. All of this is massively valuable for financial transactions”, explains the Head of the European Blockchain Center and Professor at the IT University of Copenhagen, Roman Beck. He adds: “Automated, instant, and integrated payments can ultimately help mitigate the 2.5 trillion dollar gap in trade finance, which is holding back growth for millions of SMEs”. But what is the difference between what the big banks are doing and the product offered by ZTLment? “We are not trying to make interbank transactions slightly better. We are seeking to make them redundant. Instead, money moves programmatically and peer-to-peer between wallets owned by businesses, people, and the platforms they use”, explains Stolberg-Mathieu. Well done Mathieu! I hope to see you in person this time, at Banking4.0!

A ifthenpay tem o prazer de anunciar uma nova parceria com a ZTLment, uma Fintech especializada em pagamentos automatizados (payouts) baseados em eventos ou condições específicas (se x acontece, dinheiro é enviado - x pode corresponder ao gatilho que desejarem) e split payments. https://lnkd.in/gHTBJ29P

🎉 And EU-Startups broke the story - we have secured €2.4m in total pre-seed funding and are launching a new version of the product to help product- and operations people succeed with complex payments operations. 💰📱The backdrop: How money is handled inside digital platforms is changing. Seamless interaction with money is now so important for the user experience and platform functioning that the responsibility for managing the payment operations often gets anchored with the product team. 🤝 Our Compliant Wallet Infrastructure (launching soon!) makes it easy, fast, and affordable for the product and operations people to manage this responsibility without recruiting specialists or spending big on legal - thereby bringing savings of €100k or more. 🚀Our key offering? Flexibility. We enable programmable and peer-to-peer payments in end-to-end compliance with EU's open banking regulation so that customers don’t have to deal with technical or regulatory complexities. 🙏Thanks to PreSeed Ventures and Richard Breiter for leading the charge on the latest round, existing investors for participating, and everyone who in a major or minor way has helped on the journey. Startup is a team sport! #Fintech #Startup #Payments #CBDC (link in comments) Jason Harry Stefan Frederik Mikkel Johan Oliver Cameron Madelene Søren Cornelia Susanne