SolvaPay, an AI payments infrastructure startup, has raised €2.4m in pre-seed funding to develop payment rails designed for AI-driven commerce.
The Stockholm-based company secured backing from MS&AD Ventures and Redstone, with additional participation from Antler and Greens Ventures, reflecting growing investor interest in infrastructure supporting the emerging “agentic economy”, according to InsurTech Insights.
Founded in 2025, SolvaPay is developing machine-native payment rails that allow AI agents to autonomously discover, transact and pay for digital services across platforms.
The platform is designed to integrate directly into APIs, workflows and applications, enabling payments to occur seamlessly within the user experience.
Unlike traditional payment systems, which typically operate within closed ecosystems, SolvaPay aims to reduce fragmentation that currently limits how AI agents interact and transact across services.
Its infrastructure supports pay-per-use billing, automated usage tracking and embedded payments within conversational interfaces and AI workflows.
Viggo Stenseth said, “Every major technological shift has needed a financial layer before it could become a real economy. The internet needed it. E-commerce needed it. Now, we’ve reached the same point with the agentic economy, but naturally the transaction types, the speeds and the compliance required for this are impossible within the existing infrastructure. We’ve built what was missing. The timing is not early, it is exactly right.”
SolvaPay plans to generate revenue through a 1% transaction fee on top of processing costs, positioning the platform as a monetisation layer for AI-native services and APIs.
From an insurance perspective, the involvement of MS&AD Ventures, the corporate venture arm of Japanese insurer MS&AD Insurance Group, highlights growing interest from insurers in infrastructure supporting autonomous digital ecosystems.
As AI agents begin to transact independently, new forms of operational and financial risk are expected to emerge.
Jon Soberg said, “As AI agents begin to transact autonomously, trust and reliability become just as important as speed and capability. SolvaPay sits directly in the flow of those transactions, which makes it a uniquely strategic position as new forms of digital risk emerge. We see this as an important building block for the next generation of the digital economy.”
The funding will support the continued development of SolvaPay’s payment infrastructure, expansion of its engineering team and early adoption among businesses seeking to monetise AI-powered services.
The raise also reflects a broader shift toward embedded finance for AI ecosystems, where payment infrastructure is evolving to support autonomous decision-making, real-time transactions and cross-platform interoperability.
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