The equity component was provided by existing shareholders including Bek Ventures, IFC, Cipio Partners and Molten Ventures, while Santander CIB granted the company a senior credit facility. FintechOS said the funding will support its expansion in the United States, further growth of its European client base and the scaling of the delivery model behind its AI-native platform.
The financing follows a strong first half of 2026, during which FintechOS reached operating profitability and recorded a 40% increase in recurring revenue, driven primarily by 130% growth in the US market. EBITDA increased by more than 102% year-on-year, while improved gross margins are allowing the company to fund its next phase of growth without slowing expansion.
FintechOS expects a record number of new clients in 2026, with more than 20 financial institutions worldwide adopting its FintechOS 8 AI-native platform.
“Reaching profitability was not accidental, but the result of a deliberate, multi-year effort to keep our cost base, margins and delivery model under control before accelerating growth again,” said Cyril Desouza, CFO of FintechOS. “That discipline is now paying off twice: the company has become profitable and has already returned to accelerated growth, exactly the combination that allows us to raise a round like this.”
“Growth and profitability go together, not at the expense of one another,” said Teodor Blidăruș, founder and CEO of FintechOS. “The support of Santander CIB, alongside the other investors who continue to back us, is a strong vote of confidence in our direction and gives us the capital to capture the significant opportunity we see ahead, particularly in the United States, without compromising the discipline that brought us to profitability.”
The United States has been FintechOS’s fastest-growing market over the past year, and the company plans to accelerate further. It is expanding its Board of Directors for the US market, including through the appointment of a new Chairman, who will shape expansion and strategic partnerships in the region. FintechOS is targeting growth of more than 200% in the US over the next 12 months.
Its strategic partnership with Finxact, part of Fiserv, gives FintechOS access to a broader segment of US banks and credit unions and adds to its existing partnership with Finastra Phoenix. Its US client portfolio already includes ESL Federal Credit Union, Vibrant Credit Union, Hanscom Federal Credit Union, Farmers Bank of Willards and MHG Insurance.
The company said it would also strengthen its presence in European banking and insurance, with new clients in the UK and continued partnerships with organisations including BRD Groupe Société Générale, Admiral, CEC Bank, Howden, Bankinter and Groupama.