Pre Seed · Payments & Banking · Tallinn, Estonia · Founded 2024 · 1–10 employees
Creem provides an all-in-one programmable financial operating system and Merchant of Record platform tailored for software companies and AI-native startups. By handling global payments, tax compliance, and multi-party payouts, the platform allows lean teams to replace fragmented financial software. The company supports both traditional currencies and stablecoins to ease cross-border transactions. In August 2025, the startup secured a 1.8 million euro pre-seed funding round to expand its financial infrastructure. The platform is operated by Armitage Labs OÜ and has drawn backing from prominent regional venture funds and fintech angels.