Savi

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.

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

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

• Auto-saving app
• P2P lending investment
• Crowdfunding loans platform
• Debit card banking
• Consumer fintech savings

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Software

Cost components

Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure

Revenue model

1. 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

Go-to-market motion1 record

Distribution channels1 record

Marketing channels4 records

Core 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

Segments2 records

Ideal customer profiles1 record

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration8 records

AI capability1 record

Feature5 records

Partnerships

Nine partnerships are on record, tiered core and minor.

• EnfucecoreTechnology or IntegrationBanking-as-a-Service provider enabling SAVI debit card issuance and banking functionality
• CurrencycloudcoreTechnology or IntegrationProvides currency exchange and international payment infrastructure for SAVI's cross-border lending operations
• ComplyAdvantagecoreTechnology or IntegrationProvides anti-money laundering (AML) and compliance screening services for KYC/KYB processes
• OnfidocoreTechnology or IntegrationIdentity verification and Know Your Customer (KYC) services for user onboarding
• Fintech BulgariaminorStrategic or Co-development PartnerBulgarian fintech industry association membership, providing networking and industry advocacy
• Sofia UniversityminorStrategic or Co-development PartnerAcademic partnership for talent sourcing and research collaboration
• PitchSpaceminorStrategic or Co-development PartnerStartup accelerator and pitch platform
• 30+ P2P/Crowdfunding PlatformscoreTechnology or IntegrationPartner 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 NetworkcoreTechnology or IntegrationAPI 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

Direct 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

• Xx.com/GoGetSavi
• Facebookfacebook.com/gogetsavi
• LinkedInlinkedin.com/company/gogetsavi

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Savi