Creem secures €5M to build financial infrastructure for AI-native startups

Creem has raised seed funding to scale its billing and monetisation platform for AI-native companies, expanding its agent-run finance, growth and revenue tools for software businesses.
Creem secures €5M to build financial infrastructure for AI-native startups

Creem, a billing and monetisation platform for AI-native companies, has raised €5 million in seed funding to develop its platform and expand its financial and revenue tools for software businesses. The round was led by Inovo VC, with participation from existing investors Practica Capital and Antler. Angel investors in the round included Bolt founder Markus Villig, Ready Player Me founders Timmu Tõke and Kaspar Tiri, Voi's Adam Jafer, and Viktor.com's Fryd Wiatrowski.

The investment brings Creem's total funding to €7 million, with several participants also having backed the company's pre-seed round in 2025.

Founded by Google and Adyen alumni Gabriel Ferraz and Alec Erasmus, Creem is developing financial infrastructure for small, globally distributed software companies. Its platform is designed to bring together the processes involved in selling software internationally, including billing, payments, tax compliance, payouts and revenue management.

The company is targeting a gap between the speed at which small teams can now develop software using AI tools and the time required to establish the infrastructure needed to monetise their products. According to Creem, founders often need to combine separate services for checkout, tax compliance, payouts, billing, affiliate management, analytics and other revenue operations.

Creem is addressing this through Creem 2.0, the next version of its platform, which extends its offering beyond traditional merchant-of-record services. The platform combines global sales with tax and compliance, affiliate management, revenue splits, conversion analytics, marketing channel tracking and abandoned cart recovery.

It also supports monetisation models including usage-based pricing, credit wallets, seat-based subscriptions and prepaid credits.

Creem 2.0 is being designed so that both people and AI agents can operate these functions. The company says an AI agent can use a single prompt to configure a store's billing and subsequently monitor and optimise its products and revenue operations.

A lot of startups are racing to build agent workflows or agentic payments. We went the other way. Creem lets founders bring whatever agents they want and put them to work running and optimising their store, so revenue can grow without growing headcount,

said Gabriel Ferraz, co-founder and CEO of Creem.

The new funding will be used to scale Creem 2.0 and broaden the platform beyond finance to include more of the growth and revenue tools used by small software companies selling internationally.

Over the next 12 to 18 months, Creem plans to develop its agent-operated billing and monetisation capabilities, expand tools for affiliates, analytics and marketing channel tracking, and strengthen global compliance and payouts across fiat and stablecoin payment rails.

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