The round follows a breakout first year for the company: founded just 10 months ago, Creem has already crossed $1 million in annualised revenue and is seeing monthly payment volume grow over 300% MoM, despite being built and run by just two technical founders – both Google and Adyen alumni.

Creem is emerging as the go-to financial OS for lean AI startups – especially those run by technical founders without traditional finance or commercial support. In the same way Stripe built developer-first tools for the early wave of Internet businesses, Creem is doing the same for a new generation of global, programmable, AI-native companies.

Next-gen financial and commercial OS for lean AI teams

Today’s financial tools weren’t designed for modern teams. Creem’s programmable finance layer replaces fragmented legacy systems and manual workarounds with a unified platform where founders can handle global payments, taxes, multi-party payouts, and compliance – whether they’re paying contributors in fiat, stablecoins, or both.

“AI is blowing open the doors of entrepreneurship – but the infrastructure hasn’t caught up,” said Gabriel Ferraz, Co-Founder and CEO of Creem. “These aren’t big corporates with finance departments. They’re lean, fluid teams of builders and contributors from all over the world. We’re building the rails they need to operate at speed, scale, and transparency.”

Creem is already seeing traction with fast-moving AI startups, particularly in emerging markets where access to global financial infrastructure remains a major barrier.

The platform’s newly launched Revenue Splits feature – now out of beta – automates multi-party revenue sharing by product, contributor or sales channel, eliminating hours of manual reconciliation and enabling new ways for distributed teams to coordinate and scale.

Early adopters report significant time savings and smoother partnerships with contractors, creators, and engineers.

A new financial backbone for a new kind of startup

Creem’s vision goes far beyond payments. It’s building the full commercial and financial stack for a new generation of startups defined by:

• Technical founders who move fast, often without dedicated ops or finance support
• Globally distributed teams that need compliance and payment tools from day one
• AI-first workflows, where scaling happens faster than legacy tools can support

A new wave of AI-native micro-SaaS founders is emerging, hitting multi-million ARR within months. Yet these firms are still held back by three persistent gaps: limited access to payment providers in 100+ countries, clunky revenue sharing across fiat and stablecoin rails, and fragmented compliance that eats time and margin. Creem’s financial OS removes these bottlenecks so AI-first teams can scale at full speed.

Creem already supports both fiat and stablecoin payouts with full tax and compliance handling built-in. The company’s infrastructure is designed to plug into developer and product tooling directly, making finance an embedded part of a team’s workflow – not a separate chore.

Creem’s ultimate vision is to build the infrastructure for a future wave of truly programmable companies – where contributors and partners are embedded into the product itself.

“Creem is building the orchestration layer for a new category of companies – ones where agentic-powered workflows can automate nearly every process, and the traditional org chart is replaced by lean, globally distributed teams,” Arvydas Bložė, Partner at Practica Capital, added. “We see this as a fundamental shift in how companies will be formed and operated: a tiny core of builders, operating vast networks of contributors and systems. Creem’s infrastructure is exactly what this new wave of programmable organisations needs to operate at scale, from day one.”

“Gabriel and Alec are exactly the kind of founders we love to back – deeply technical, globally ambitious, and building for a new kind of customer,” said Tobias Bengtsdahl, Partner at Antler. “As company formation becomes more decentralised and global, Creem is creating the financial infrastructure that will support the next generation of digital entrepreneurs.”

Backed by global operators

In addition to Practica Capital and Antler, angel investors in the round include fintech and startup veterans such as Johan Pietilä (co-founder at Voi), Martin Olofsson (ex-advisor to Mastercard), and advisors from Revolut, Crypto.com, and other top-tier fintechs.

Co-founders Gabriel Ferraz (Brazil) and Alec Erasmus (South Africa) bring deep experience in crypto, embedded finance and payments.

Gabriel previously founded Brazil’s first crypto software agency and scaled a crypto payment gateway to over $200 million in GMV, moving from South America to the Baltics in 2019. Alec led KYC infrastructure at Adyen and built backend systems for leading crypto brokerages. The pair met while working across crypto and stock exchange programmes at Change Invest.

Rapid expansion and tech development

The new funding will be used to expand Creem’s payment capabilities across additional markets, build out its compliance stack, and further develop the programmable financial tooling underpinning its OS for AI startups. In the next 12-18 months, the team will double down on infrastructure for:

• Revenue automation (splits, royalties, payouts)
• Global compliance (tax, KYC, and financial ops)
• Developer tooling (APIs for programmable finance workflows)

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