CREDIXIO SERVICES LIMITED

Name

CREDIXIO SERVICES LIMITED

Legal name

CREDIXIO SERVICES LIMITED

Website

https://credixio.com

Company type

Private

Founded year

2024

Operating status

Operating

Headcount range

1–10 employees

Ownership category

akta.pro rank

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Secured Credit Card Services: Revenue generated from secured credit card services where users deposit their own money as collateral. The company offers cards with £0 subscription fees, generating revenue through interest charges on installment payments (29.8% representative APR) and potentially interchange fees on transactions.
2. Premium Card Subscriptions: Basic cards are free with £0 subscription, but premium cards with customizable benefits are offered for extra perks, suggesting a potential tiered subscription model.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

CREDIXIO SERVICES LIMITED operates a secured credit card platform where users deposit their own funds (minimum £300) as collateral to obtain credit limits and build credit history. The platform offers four card tiers (CRDX BUILD, REPAIR, DUAL, AVANGUARD), a CRDX Score feature with monthly reporting to credit bureaus, a Direct Debit Balances account for recurring payments, and rewards including 1-3% cashback and insurance perks. The offering is delivered through iOS and Android mobile apps and is currently in pre-launch with an active waiting list in the UK.

Product overview

CREDIXIO operates as a unified secured credit card platform with multiple product tiers. The core offering consists of four CRDX secured credit cards (BUILD, REPAIR, DUAL, and AVANGUARD) differentiated by feature levels, supported by the CRDX Score for credit improvement tracking, Direct Debit Balances for recurring payment management, and a mobile app for account management. The platform is enhanced through Perks and Deals (travel insurance, gadget insurance, cancellation protection) and Cashback Rewards (1-3% cashback plus 30-40% discount vouchers). All products are backed by AI and Open Banking technology, enabling users to build credit using their own funds without traditional credit requirements.

Differentiator

Problem solved

Functional benefit

Products and services

• CRDX BUILD Card

Quantifiable outcome

• Users can start building credit with deposits as low as £300
• +3 more outcomes

Segments2 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Scale indicators1 record

Recent moves4 records

Expansion highlights5 records

Emerging players

• Curve: UK-headquartered consumer fintech consolidating cards and credit products into a single mobile experience. Comparable on the mobile-first consumer credit proposition, though focused on payments aggregation rather than secured credit building.

Broad incumbents

• Monzo: UK challenger bank offering consumer credit products (loans, Flex credit line) alongside core banking. A broad incumbent in UK consumer credit that could extend into credit-builder cards, competing with Credixio for similar mobile-first customers.
• Revolut: Global UK-headquartered neobank with an expanding credit product suite in the UK (cards, personal loans, Flex). A broad incumbent that could readily add secured or credit-builder cards, intensifying competitive pressure on Credixio.

Direct peers

• Capital One UK: Major UK credit card issuer with a dedicated credit-building card portfolio (including secured/quasi-secured variants). A scaled incumbent peer in the same product category and geography.
• Vanquis Bank: UK specialist lender offering credit-builder cards to non-prime borrowers. Competes with Credixio for the same thin-file customer segment with a long-established bureau reporting footprint.
• Zilch: UK consumer credit and payments fintech offering 'pay anywhere' credit products. Comparable as a UK fintech challenger building credit products for under-served consumers via a mobile-first app experience.
• Loqbox: UK credit-building platform that helps thin-file consumers improve their credit scores and access mainstream credit. Closest conceptual peer to Credixio's BUILD/REPAIR proposition and UK-only target market.
• Marbles (Lloyds Banking Group): UK credit card brand (part of Lloyds Banking Group) targeted at customers building or rebuilding credit. Directly comparable on customer profile and product positioning to Credixio's credit-builder cards.
• Aqua (NewDay): Issuer of UK credit cards for people with poor or limited credit history, including secured products. Directly competes with Credixio's BUILD/REPAIR/AVANGUARD tiers in the same underserved segment.

Others

• Experian: UK credit bureau that Credixio reports to monthly as part of its CRDX Score feature. Ecosystem/partner relationship rather than direct competitor, but a critical dependency for the credit-building value proposition.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/credixiocards
• LinkedInlinkedin.com/company/105799249
• Instagraminstagram.com/crdx.cards

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 CREDIXIO SERVICES LIMITED