Creem Raises €5M Seed Led by Inovo VC to Build Financial Infrastructure for AI-Native Startups

Creem Closes €5 Million Seed Round

Creem, a fintech startup founded in 2024 by Gabriel Ferraz and Alec Erasmus, has raised a €5 million seed round led by Inovo VC. The financing will support the company's financial infrastructure platform built specifically for AI-native startups.

The round included participation from Antler, Practica Capital, Kaspar Tiri, Markus Villig, Fryderyk Wiatrowski, Timmu Tõke, and Adam Jafer.

What Creem Does

Creem develops programmable finance tools tailored to the operating realities of AI-native companies. Its platform covers:

• Global payments
• Tax compliance
• Revenue automation
• Multi-party payouts across fiat and stablecoin rails

The company's premise is that small, distributed teams building AI-native products should be able to manage financial operations without standing up a traditional finance department. By making these functions programmable, Creem aims to let founders and operators automate workflows that would otherwise require dedicated finance staff or fragmented third-party tools.

Revenue Splits

Creem's flagship feature, Revenue Splits, automates complex revenue sharing. The feature is designed to streamline collaboration and financial workflows globally, addressing a common pain point for startups that distribute revenue across multiple parties — partners, contributors, or collaborators — often across borders and currencies.

Automating revenue sharing matters particularly for AI-native startups, which frequently operate with distributed teams, multi-party partnerships, and global customer bases from day one. Manual reconciliation of these flows is error-prone and does not scale.

Fiat and Stablecoin Rails

Creem's support for both fiat and stablecoin rails reflects the evolving payment preferences of globally distributed software companies. By handling payouts across both types of infrastructure, the platform aims to serve teams that need flexibility in how they move and distribute funds.

Funding Details

• Round: Seed
• Amount: €5,000,000
• Date: September 17, 2026
• Lead investor: Inovo VC
• Additional investors: Antler, Kaspar Tiri, Markus Villig, Practica Capital, Fryderyk Wiatrowski, Timmu Tõke, Adam Jafer
• Founded: 2024
• Founders: Gabriel Ferraz and Alec Erasmus

The investor list combines institutional funds — Inovo VC, Antler, and Practica Capital — with a group of angel participants. Markus Villig, Kaspar Tiri, Timmu Tõke, Fryderyk Wiatrowski, and Adam Jafer bring operator and founder perspectives that can be valuable to an early-stage fintech building for startup customers.

Why This Matters

AI-native startups often launch with lean teams and global ambitions, but financial operations remain a bottleneck. Payments, tax compliance, and revenue distribution typically require either hiring finance staff or stitching together multiple tools that were not designed for multi-party, cross-border, stablecoin-inclusive workflows.

Creem's approach — programmable finance infrastructure purpose-built for this segment — targets that gap directly. Revenue Splits in particular addresses a structural need for companies whose products involve collaboration, marketplaces, or revenue-sharing arrangements.

The seed round gives Creem capital to develop its platform and expand its toolset as more AI-native companies come to market with distributed teams and complex financial flows.

Outlook

As AI-native startups proliferate, demand for financial infrastructure that matches their operating model is likely to grow. Creem's focus on programmable payments, tax compliance, revenue automation, and multi-party payouts — across both fiat and stablecoin rails — positions it to serve that demand. With €5 million in seed funding led by Inovo VC and backing from a mix of institutional and angel investors, the company has resources to build out its platform and pursue its vision of finance operations without traditional finance departments.