Creem 2.0 is a payments platform for AI app builders that provides a turnkey financial stack, including payments, taxes, payouts, affiliates, and usage-based billing to monetize AI apps. It functions as Merchant of Record infrastructure, handling compliance, charge processing, tax reporting, and payouts while integrating billing into a single platform so developers can focus on building AI products. Unlike generic payment tools, Creem combines all finance capabilities for AI SaaS under one roof, removing the need to stitch together multiple services. Its goal is to help AI builders sell apps more easily and scale with growth while reducing complexity and compliance risk.
Company Size
11-50
Company Stage
Seed
Total Funding
$7.7M
Headquarters
Tallinn, Estonia
Founded
2024
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Creem partners with Airwallex to diversify payment infrastructure. Creem has partnered with Airwallex to diversify its payment infrastructure beyond a single provider. Creem has partnered with Airwallex to diversify its payment infrastructure beyond a single provider. The Estonia-based merchant of record has restructured the payments layer underpinning its platform, moving from a single-provider model to one that runs across multiple partners, with Airwallex named as the partner integrated into the new setup. As a merchant of record, Creem handles compliance, tax, and payouts on behalf of the software companies it serves, alongside the payments infrastructure required to move funds across multiple countries. According to the company, this infrastructure had previously depended on a single payment provider, meaning that any disruption on that provider's side would have affected every merchant operating on Creem's platform. To address this concentration risk, Creem has restructured its payments infrastructure to operate across several partners rather than a single set of rails. The company has stated that the new structure allows it to add further partners over time and reduces its exposure to a single point of failure, a risk it described as central to the reliability of its platform. Airwallex has been named as the first partner integrated into this restructured infrastructure. The company operates payment rails that move tens of billions across more than 100 countries, supporting merchants that sell and settle funds internationally. Creem has indicated that its decision to work with Airwallex was based not only on the scale of Airwallex's infrastructure but also on the responsiveness shown during the integration process, including its willingness to accommodate the pace of a smaller company. The move to a multi-provider infrastructure is intended to give merchants using Creem's platform greater resilience against payment disruptions, since reliance is no longer concentrated on a single provider. Creem has indicated that additional partners may be added to its infrastructure as the multi-provider approach develops further, though no timeline has been specified for further integrations. At the same time, for Airwallex, the partnership adds a merchant-of-record platform to its network of businesses relying on its cross-border payment rails, reflecting continued demand from software companies for infrastructure that supports international sales without requiring them to manage compliance and payment operations directly... Sep 18, 2026 00:00
Estonia-based Creem has raised €5M in seed funding led by Inovo VC to build agent-agnostic billing infrastructure for AI-native companies
Tallinn-based Creem, a FinTech startup building financial infrastructure for AI-first businesses, has secured €1.8 million in a pre-seed funding round led by Practica Capital, alongside Antler and several notable angel investors, including Johan Pietilä, Martin Olofsson, and advisors from Revolut and Crypto.com.
Creem, an Estonian fintech startup focused on financial tools for AI startups, has raised €1.8 million (US$1.9 million) in pre-seed funding led by Practica Capital, with participation from Antler and several angel investors.
Creem, an Estonian fintech, has secured €1.8 million in pre-seed funding led by Practica Capital, with support from Antler and top angels. The company, founded by Gabriel Ferraz and Alec Erasmus, aims to build a financial OS for AI-native startups. With €1 million in annual recurring revenue, Creem plans to expand into new markets, enhance compliance, and improve developer APIs for programmable finance workflows.