ZTLment is a Copenhagen-based fintech that builds compliant wallet infrastructure on decentralized rails for ordering and booking platforms. Founded in 2020 and led by co-founders Mads Stolberg-Mathieu, Harry Kearney, and Jason Spasovski, the company says it is the first in Europe to enable fiat money transfers on decentralized rails in end-to-end compliance with Europe’s open banking law. Its core product offers platforms an unlimited number of multicurrency wallets, programmable payments, split payouts, and escrow release tied to data events to automate fund flows and enhance payment transparency. ZTLment positions this stack to let product teams own payment operations without hiring expensive payment-operations specialists. Commercially, the company recently raised €2.4 million in pre-seed funding to support development and an upcoming product launch. The firm highlights institutional interest and potential use cases for programmable payments in cross-border transactions, citing recognition from global banks and the Bank for International Settlements.

Total raised

$3M

Funding rounds

1

Latest round

Seed

Latest activity

May 2024