Building the European Innovation Bank
Banking that
runs itself.
Agentic banking and credit for Europe's innovators. Set the mandate once. Autopilot pays, collects, invests and finds you capital, around the clock.
Imagine that…
Building the future of agentic banking.
…your finance back office ran itself. Tell Autopilot what you want in plain language: agents act 24/7 within the mandate your CFO sets once, and every action is logged.
Invoices pay themselves.
Autopilot matches every invoice, verifies the payee and pays on the due date. Never early, never late, always inside your approval rules.
Idle cash goes to work.
Anything above your operating buffer is swept into treasuries and hedged, then pulled back the moment you need it.
An order becomes capital.
Win a contract and Autopilot turns it into a working-capital facility, a guarantee and an FX hedge, inside pre-approved limits.
Capital, before you ask.
When runway drops below the threshold you set, a pre-assessed venture debt offer is already waiting to bridge you to the next round.
This is just the beginning.
Receivables, Tender Agent, Dual-Use Co-pilot, Loan Conditions Guard and over 100 more agents are on the roadmap, each proving itself in shadow mode first.
€0.0K
saved a year on 200 supplier invoices a month
€0K
earned a year on €500K of surplus cash
0h
from a new order to a credit facility
24/7
agents working within your mandate
Our vision
Europe doesn't lack innovation.
It lacks a bank built for it.
Technology SMEs are too big for a neobank, too small for a debt fund and too asset-light for a traditional bank. We are building the licensed European bank that finances them on live data, run by AI agents from day one.
Why now
Four windows,
open at once.
An open market, fresh capital, broken incumbent economics and cheap AI have lined up for the first time. Each one alone would be an opening. Together they are the moment.
CEE credit is wide open
Private debt in Central and Eastern Europe is a tenth of the Western European level. No institution in the region specialises in the €100k to €2M tickets technology SMEs actually need.
Private debt as a share of GDP
Europe is reindustrialising
The SAFE defence programme funds the orders. The thousands of SME suppliers who deliver them still need the working capital, guarantees and FX that only a bank provides.
SAFE defence loans, € billions
Payments alone don't pay
Digital banks proved the stack but not the economics. Credit is what pays, which is why Qonto and Mercury are now chasing bank licences. We start with one.
Digital banks' share of EU retail banking
AI made underwriting cheap
Agents handle onboarding, credit memos and AML triage for cents. Small-ticket business lending becomes profitable, and the bank runs leaner than any incumbent.
Cost-to-income ratio
One account
Banking and credit,
finally in one place.
Built for the technology SMEs and venture-backed startups that are too big for a neobank and too asset-light for a traditional bank.
Banking
Accounts, payments & treasuries
- ✓Business accounts & IBANs
- ✓SEPA Instant & multi-currency
- ✓Cards with spend controls
- ✓Yield on idle cash
Free account · live the same day
Credit
Capital underwritten on live data
- ✓SME growth loans
- ✓Venture debt
- ✓Guarantees & FX hedging
- ✓Decisions from your ledger, not property
Credit from our own balance sheet
Autopilot
Agents that act within your mandate
- ✓Payables & receivables
- ✓Contract-to-Cash & Runway
- ✓Tender Agent & Grant Bridge
- ✓Loan Conditions Guard
100+ agents planned · working 24/7
People own control
Limits are enforced outside the AI model.
Every action logged
Any agent can be paused at any moment.
Shadow mode first
Agents prove themselves before they act.
Team
100+ years of banking, led by founders who scaled credit tech.
Co-founder & CEOMaciej Jarząb
Founded and sold Braight, AI credit scoring for 3 of Poland's 5 largest banks. Forbes 30 Under 30.
Co-founder & COOTomasz Sekutowicz
Nearly 30 years in payments. Built the FUPS EMI licence in Vilnius; ex-Tietoevry Banking.
CFOMaciej Żukowski
Ex-Director of Tax at PKO BP, ex-President of PKO Finance AB, ex-Ministry of Finance.
CCOTomasz Mielnicki
20 years in bank compliance. Chairs the Polish Bank Association's identification group.
The bank Europe's
innovators deserve.
We're building it now. Investors and partners, talk to the founders directly.