Savi
SAVI (Saving & Investing Technologies Ltd) is a UK-based fintech that builds a mobile app combining auto-saving, automated investing into P2P loans across 30+ European platforms, and debit-card spending for individual retail savers seeking inflation-beating returns.
- Company typePrivate
- Founded2021
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2C
- OfferingSoftware
What Savi does
SAVI, operated by Saving & Investing Technologies Ltd (UK Company Number 13965572), is a London-headquartered fintech startup founded in 2021 that is building a mobile application combining automated saving, automated investing into European P2P/crowdfunded loans, and debit-card spending into a single consumer experience. The app connects users' bank and card accounts, automatically sets aside savings, and routes capital to a diversified portfolio of vetted loans across 30+ regulated P2P/crowdfunding platforms; users access liquidity via a SAVI-issued debit card while the remainder of the balance continues earning through compounded, auto-reinvested interest. Underlying the app is an integration stack including Enfuce for banking-as-a-service and card issuance, Currencycloud for FX and cross-border payments, Onfido for KYC, ComplyAdvantage for AML screening, and a growing payments-rail layer (Crypto.com, Payhawk, Wirex, ANNA Money, GoSolo, SimpledCard, MoneeMint, PayCaptain).
The company operates under UK Financial Conduct Authority regulation and within the EU Crowdfunding Directive framework, and it is a member of the Bulgarian Fintech Association with an academic partnership at Sofia University. Its commercial model is product-led and self-serve: distribution runs through app-store downloads gated by an early-access sign-up funnel, with content marketing (blog, social, #BeTheBANK) and email nurture courses (MISSION: Personal Finance) used to acquire users. Monetization is described as transaction-related fees earned from partner P2P/crowdfunding platforms for directing investor capital, though no pricing for the SAVI app itself is publicly disclosed and the freemium early-access tier is free to join.
SAVI is bootstrapped with no institutional venture funding raised to date; accelerator participation was via Founder Institute (origin: hackathon win). The team is described as 11-50 employees ('over 10 believers plus expert advisors'), with Pavel Panayotov identified as founder. The product is positioned for individual European retail savers seeking inflation-beating yields with bank-account-like immediacy, and the company has not yet disclosed revenue, AUM, or user numbers.
Savi firmographics
Firmographics- Name
- Savi
- Legal name
- Saving & Investing Technologies Ltd
- Website
- https://savi.pro
- Company type
- Private
- Founded year
- 2021
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- SAVI (Saving & Investing Technologies Ltd) is a UK-based fintech that builds a mobile app combining auto-saving, automated investing into P2P loans across 30+ European platforms, and debit-card spending for individual retail savers seeking inflation-beating returns.
- Ownership category
- akta.pro rank
Savi industry classification
Industry- Product category
- Consumer Fintech / Personal Savings and Investing
- NAICS
- Portfolio Management and Investment Advice (523940), Other Investment Pools and Funds (5259)
- SIC
- Loan Brokers (6163), Personal Credit Institutions (6141), Investment Advice (6282)
- akta.pro primary industry
- Consumer P2P Personal Loans (Unsecured) (FSAKAHAA)
- akta.pro secondary industries
- P2P Loan Syndication & Participation Platforms (FSAKAHAL), Goal-Based & Micro-Investing Platforms (Round-ups, Fractional) (FSAGAEAG), Direct-to-Consumer (D2C) Personal Lending Platforms (Unsecured Installment) (FSAKAAAK)
Keywords
Where Savi is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Savi business model
Business model- GTM type
- B2C
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- P2P/Crowdfunding platform integration fees: SAVI acts as an aggregator for P2P lending and crowdfunding platforms, earning fees from partner platforms for directing investor funds
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Freemium | Pay-as-you-go | Early Access (Free) |
Go-to-market motion1 record
Distribution channels1 record
Marketing channels4 records
Savi product offering
Product offeringCore offering
Savi operates a mobile fintech application that automates personal saving, invests user funds into a diversified portfolio of P2P/crowdfunded loans across more than 30 European partner platforms, and issues a branded debit card that allows users to spend from their active balance while remaining funds continue earning compound interest. The platform targets individual consumers seeking inflation-beating returns and bank-like convenience.
Product overview
SAVI is a unified fintech platform that combines auto-saving, auto-investing in P2P/crowdfunding loans, and spending via debit card into a single mobile app experience. The core offering consists of the SAVI App (the main mobile application), SAVI Auto-Save (for connecting accounts and automating savings), SAVI Auto-Invest (for investing in P2P loans through partner crowdfunding platforms with targeted 10%+ returns), SAVI Debit Card (for worldwide spending while invested funds keep earning), and the SAVI Compound Interest Calculator (educational tool). The platform differentiates itself by making P2P lending accessible like a savings account while maintaining liquidity.
Differentiator
Problem solved
Functional benefit
Products and services
- SAVI App Mobile application that combines auto-saving, auto-investing into P2P/crowdfunded loans across 30+ European platforms, and spending via the SAVI debit card, targeting individual consumers seeking inflation-beating returns on their savings.
- SAVI Debit Card Physical debit card, issued via Banking-as-a-Service partner Enfuce, that allows users to spend from their active balance worldwide via card, phone, ATM withdrawals, and bank transfers while remaining balance continues earning returns.
- SAVI Compound Interest Calculator Web-based educational tool demonstrating the impact of compound interest on P2P/crowdfunding investment returns compared with traditional savings accounts, used to illustrate the value proposition of the SAVI platform.
Quantifiable outcome
- Over 10% historic return on investments through partner P2P/crowdfunding platforms
Companies that use Savi
Customer profileSegments2 records
Ideal customer profiles1 record
Savi technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
AI capability1 record
Feature5 records
Savi partnerships and signals
Strategic signalPartnerships
Nine partnerships are on record, tiered core and minor.
- EnfucecoreBanking-as-a-Service provider enabling SAVI debit card issuance and banking functionality
- CurrencycloudcoreProvides currency exchange and international payment infrastructure for SAVI's cross-border lending operations
- ComplyAdvantagecoreProvides anti-money laundering (AML) and compliance screening services for KYC/KYB processes
- OnfidocoreIdentity verification and Know Your Customer (KYC) services for user onboarding
- Fintech BulgariaminorBulgarian fintech industry association membership, providing networking and industry advocacy
- Sofia UniversityminorAcademic partnership for talent sourcing and research collaboration
- PitchSpaceminorStartup accelerator and pitch platform
- 30+ P2P/Crowdfunding PlatformscorePartner platforms for diversified lending including PeerBerry, ReInvest24, EstateGuru, Bondster, LenderMarket and others. Platforms offer various loan types (short-term, real estate, consumer, business loans) with minimum investments from €5-€100 and returns ranging from 10-15%
- P2P/Crowdfunding Platform NetworkcoreAPI integrations with platforms similar to Crypto.com, Payhawk, PayCaptain, Wirex, GoSolo, SimpledCard, MoneeMint, ANNA Money for financial services infrastructure
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Savi competitors and assessment
Company assessmentDirect peers
- Mintos: European P2P lending marketplace that aggregates loan originators across multiple countries — directly comparable to SAVI's model of distributing investor capital across 30+ P2P/crowdfunding platforms for diversification.
- Acorns: US-based micro-investing app built on round-ups and automated savings invested into diversified ETFs — comparable to SAVI's auto-save plus auto-invest proposition and target mass-retail user.
- Wealthify: UK FCA-regulated robo-advisor offering automated, diversified investment portfolios — overlaps with SAVI's automated portfolio construction and passive-investing positioning for retail customers.
- Plum: UK automated savings and investing app that uses AI to set aside money and invests it into funds and interest-bearing products; overlaps with SAVI on auto-save and auto-invest, and now offers a current account and card.
- Moneybox: UK consumer app combining auto-saving (round-ups), investing in funds/EIS and a cash savings account with a debit card — directly comparable to SAVI's save/invest/spend loop and the same primary customer (UK retail saver seeking higher returns).
Broad incumbents
- Zopa: UK neobank that started as a P2P lending platform and now offers a current account, savings and credit products — combines banking card and lending products, similar to SAVI's integrated proposition but at materially larger scale.
- Funding Circle: Established UK P2P/business lending marketplace that originates SME loans — comparable in the P2P category but at the institutional/SME end rather than consumer aggregation.
- Revolut: Global neobank with a UK presence offering accounts, debit cards, savings vaults and trading/investing products — represents the scale incumbent that could trivially replicate SAVI's save/invest/spend loop.
- Nutmeg: One of the largest UK robo-advisors, offering managed ETF/IS portfolios — competes for the same 'automated investing for retail savers' wallet share but operates at much larger scale and only with traditional securities.
- Crowdcube: UK/EU equity and debt crowdfunding platform — comparable as a regulated crowdfunding partner in SAVI's ecosystem and competes indirectly for retail capital seeking higher returns than banks.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights6 records
Customer concentration
Savi social profiles
Digital presenceSavi compliance and trust
Trust signalCompliance3 records
Savi financial estimates
Financial estimateRevenue estimate
Valuation estimate
Savi leadership team
Management profileNumber of profiles
Profiles1 record
Savi funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Savi M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Savi
What does Savi do?
Savi operates a mobile fintech application that automates personal saving, invests user funds into a diversified portfolio of P2P/crowdfunded loans across more than 30 European partner platforms, and issues a branded debit card that allows users to spend from their active balance while remaining funds continue earning compound interest. The platform targets individual consumers seeking inflation-beating returns and bank-like convenience.
Is Savi a public or private company?
Savi is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Savi founded?
Savi was founded in 2021. It employs 11 to 50 people.
Where is Savi based?
Savi is headquartered in London, United Kingdom, in the Europe region.
How does Savi make money?
One revenue line is on record: P2P/Crowdfunding platform integration fees.
Who are Savi's main competitors?
Direct peers on record are Mintos, Acorns, Wealthify, Plum and Moneybox. Broad incumbents are Zopa, Funding Circle, Revolut, Nutmeg and Crowdcube.
Does Savi have an API?
No public API is recorded for Savi.
What industry is Savi in?
Savi's product category is Consumer Fintech / Personal Savings and Investing. Its primary akta.pro industry code is FSAKAHAA, Consumer P2P Personal Loans (Unsecured), with a secondary code of FSAKAHAL, P2P Loan Syndication & Participation Platforms. Its NAICS code is 523940 and its SIC code is 6163.