London-based fintech Incard has raised £10 million in a Series A round led by Smartfin, with participation from Founders Capital, MountFund, and angel investors. The funding will be used to expand the product, strengthen compliance and engineering, and support expansion into major European markets and the United States.

Incard was founded in 2024 by Theo Cesarini, Soraya Tribouillois, Liam Seskis, and Matteo Martino. The idea came from the founders’ own experience running digital businesses and struggling with fragmented financial tools.

The problem Incard is addressing

Digital entrepreneurs often rely on separate platforms for banking, cards, payments, and spend tracking. This leads to constant context switching, manual reconciliation, and limited visibility over cash flow.

Incard combines these elements into a single platform. Users can open multi-currency accounts, issue corporate cards with rewards, manage payments, and see spend data in one place. The platform includes real-time analytics and automation features designed to reduce manual financial work.

The company also built an “App Store” that offers tools tailored to specific types of digital businesses. These modules allow teams to add functionality relevant to their operations without complicating the core system.

Why this approach resonates

Many fintech products solve one piece of the financial stack. Incard positions itself around the full workflow. The company describes its product as a financial operating system built around how digital businesses actually function.

The target users include e-commerce founders, agencies, creators, and affiliate businesses that often operate across currencies and markets. For these companies, financial complexity grows quickly as they scale.

What the funding enables

The Series A capital will be used to deepen automation capabilities, expand internationally, and invest in compliance infrastructure. Incard plans to scale its engineering team and continue developing tools that reduce the operational burden on founders.

The team also highlights its internal diversity, with significant representation of women in leadership and employees from many nationalities.

Key takeaways for fintech startups

This funding round shows where investor attention is focused.

• Founders still struggle with fragmented financial tooling as their businesses grow
  
  
• There is demand for platforms that unify banking, cards, payments, and analytics
  
  
• Automation and workflow reduction are strong product differentiators in fintech infrastructure

If you are building fintech products for founders and operators, these signals are worth paying attention to. If you want help translating market signals like this into a sharper product and strategy, contact us.