FintechOS, the agentic platform for Unified Product Operations, serving banks, insurers and other financial services companies across the United States and Europe, has closed a $28m combined equity and debt round as it accelerates its transatlantic growth plans.
The financing was provided by FintechOS’s existing shareholder base, comprising Bek Ventures, IFC, Cipio Partners and Molten Ventures, together with a senior debt facility from Santander CIB. Proceeds will go towards building out the company’s US expansion base, strengthening its European client relationships, and growing the delivery team behind its AI-native platform.
The raise comes on the back of a strong opening half to 2026 for the company, which turned profitable while lifting recurring revenue by 40% year-on-year, a rise it attributes largely to 130% growth in its US business. Operational EBITDA climbed by more than 102% over the same period, with improved gross margins freeing up capacity to reinvest in growth. FintechOS is on course for its busiest year yet for new business in 2026, with more than 20 financial institutions worldwide expected to come on board with FintechOS 8, its AI-native platform.
The company is also rolling out a new delivery model built around forward-deployed pods, each pairing a technical consultant with an engineer to work directly alongside client product teams, aiming to speed up configuration and go-live times while lowering clients’ total cost of ownership. This sits alongside Dex, the platform’s AI copilot, which lets non-technical staff configure products and offers themselves.
FintechOS is the agentic platform for Unified Product Operations, supporting banks, insurers and other financial services companies across Europe and the United States to deliver product innovation and faster modernisation. Unified Product Operations refers to the approach by which a financial institution brings the whole product lifecycle, from design and launch through to pricing, origination and servicing, into one operational flow, doing away with the fragmentation created by complex processes and numerous disconnected systems. Through its AI-native platform, FintechOS delivers this unified layer, helping organisations bring financial products to market faster and more efficiently.
FintechOS CFO Cyril Desouza said, “Reaching profitability was not an accident, it was the outcome of a deliberate, multi-year effort to get our cost base, our margins and our delivery practice right before we pushed harder on growth again. Now that discipline is paying off twice over: the business has reached profitability, and we’ve already made the shift back into high growth, which is exactly the combination that lets us take on a round like this one.”
FintechOS founder and CEO Teo Blidarus said, “Growth and profitability go hand in hand, not at the expense of one another. Santander CIB’s support, alongside other investors that trust us, is a strong vote of confidence in the path we’re on, and it gives us the capital to go after the extraordinary potential we see ahead, particularly in the US, without compromising the discipline that got us to profitability in the first place.”
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