About Us
Our Purpose
Xryma Plc, through its operating entities including ISX Financial®, delivers a fully integrated financial infrastructure spanning transactional banking, payments, and technology. The Group provides multi-currency corporate accounts, real-time payment capabilities across Europe and the UK, open banking solutions through its PaidBy® platform, and global mass payout services, all supported by proprietary core banking technology via Probanx®.
This integrated model enables customers to access regulated financial services, payment processing, and settlement capabilities within a single ecosystem, underpinned by direct connectivity to clearing systems and a strong regulatory framework. The result is a platform designed to provide operational certainty, scalability, and efficiency in an increasingly complex payments environment.
Our Story
Our own technology, regional achievement and shared vision.
Redefining Excellence in a Global Landscape
The Group’s origins date back to 2010, when its founder, Nikogiannis Karantzis, developed proprietary identity verification technology to address the growing challenge of online fraud, forming the foundation of what became one of the earliest RegTech platforms in the sector. This initial innovation, supported by patents across multiple jurisdictions, enabled the business to evolve into a regulated financial services provider, securing an EEA Electronic Money Institution licence and expanding its presence across Europe and the UK. Subsequent milestones, including the acquisition of Probanx® and direct access to SEPA payment schemes through central bank integrations, have supported the development of a fully integrated payments and transactional banking infrastructure. Today, the Group operates as a banktech platform, having transitioned from a single product innovation into a scalable ecosystem delivering onboarding, payments, and financial services across multiple markets.
Corporate Social Responsibility
Our Corporate Social Responsibility (CSR) and Environmental, Social, and Governance (ESG) initiatives are focused on giving back to our local community and making a positive impact within the environment we are operating in.
We Care
Our commitment to corporate responsibility is deeply rooted in the communities we call home. We actively support local charities, forging partnerships that uplift our neighbours and address critical needs. This dedication extends to our planet, where we promote internal eco-friendly initiatives to minimise our operational footprint and engage in projects designed to have a direct, positive impact on our local environment. By weaving social and environmental stewardship into our corporate fabric, we aim to build a legacy of positive change.