📝 Stoa raises $2.4M

Author

Liam Gill
July 07, 2026

News of the Day

UK FinTech startup Stoa has raised $2.4 million in a pre-Seed funding round co-led by Bespokeist Partners and Ingenii Capital, with participation from Force Over Mass Capital, Fuel Ventures, and prominent financial-sector angels, including former Citi executive Suneel Hargunani. Founded in 2022 by CEO Mike Saraswat and CTO Sam Goodenough, the London-based company addresses the massive pools of low-yield capital, including over $757 billion held in inactive UK consumer accounts and $1.00 trillion sitting in zero-interest US small business accounts, by reimagining traditional cash management. Operating through a modular, open-banking-enabled API architecture that integrations natively into partner financial channels, Stoa allows retail and corporate savers to place deposits into fixed-term "Stoa Pots" to receive immediate, high-value lifestyle, digital media, or corporate SaaS perks from merchant partners upfront on Day 1 rather than relying solely on back-ended compound interest models. This capital injection mirrors a heavily active 2026 European treasury and B2B FinTech investment landscape that has commanded over €382 million in year-to-date funding across peers like Round Treasury and MillTech, and will be deployed by Stoa to aggressively expand its engineering workforce, scale its UK merchant partner ecosystem, and accelerate regulatory compliance preparations ahead of a planned corporate market expansion into the United States.

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