The operating system for debt recovery is becoming independent
When we started building NeuraPay® more than two years ago, our thesis was simple: debt recovery doesn’t need better tools; it needs a new infrastructure layer. An operating system that covers the full lifecycle of a receivable: from the first day past due to final realization, across channels, jurisdictions, and escalation paths.
Today, we can say: that operating system is real. And it’s not only technically complete; it’s operational.
Three portals are in production. ERP integrations are live. Pilot mandates are being processed. The entire infrastructure (hosted on Azure Switzerland with guaranteed data residency) is API-first by design and built to scale. Companies connect NeuraPay® to their existing systems and run their recovery stack through a single, end-to-end layer.
This progress led us to a strategic next step that we are announcing today.
Founding NeuraPay® Financial Technologies AG
We are preparing the founding of NeuraPay® Financial Technologies AG: an independent company headquartered in Pfäffikon SZ (Switzerland) with a planned location in London (United Kingdom).
The company will be led operationally by an experienced founding team. We have also secured a board member with extensive experience in the technology and financial services sectors – including a current board mandate at a publicly listed technology company.
This separation follows the same logic as the platform itself: clear structure, clear accountability, and scalable governance. An operating system that aims to become an industry standard needs a corporate structure that matches that ambition.
Why Pfäffikon?
Pfäffikon (Canton Schwyz) has become a premier location for finance and technology companies: strong regulatory conditions, excellent connectivity to Zurich, and a growing ecosystem of institutional stakeholders. For a company holding core technology IP while scaling across Europe, Pfäffikon is an ideal starting point.
Why London?
London is Europe’s leading fintech hub and a key access point to institutional clients, capital providers, and strategic partners in financial services. The planned location will primarily focus on business development, partnerships, and UK/EU market expansion.
Full IP transfer
As part of the founding, the entire NeuraPay® platform (including all software rights, algorithms, AI models, registered trademarks (NeuraPay®, Atlas AI™, NuraAgent™), existing customer contracts, and operational data assets) will be transferred into the new company.
The goal is a clean, independent setup: NeuraPay® Financial Technologies AG will be the sole owner of all technology and trademark rights and will act as the contractual counterparty for customers and partners.
Growth financing
In parallel with the founding, we are preparing a structured growth financing – at a valuation that reflects the platform’s operational progress and market potential. Proceeds will be allocated to the areas that matter most for the next scaling phase of the operating system:
- Team build-out: Targeted hiring across data science, compliance, engineering, and sales. Our AI models require dedicated data scientists to bring scoring, forecasting, and optimization models to production-grade performance. And an operating system that scales across jurisdictions needs compliance built-in, not bolted on.
- European expansion: Stepwise market entry beyond the DACH region, starting with Germany and Italy. The OS will be localized per jurisdiction: language, legal framework, payment rails, and escalation pathways.
- ISO 27001 certification: Completing the ongoing certification process as a prerequisite for enterprise clients and regulated industries.
- eSchKG rollout: Fully automated debt enforcement filings as a digital workflow directly from the platform. This is the first fully automated legal layer inside the OS.
- Sales & marketing: Building a scalable go-to-market engine for the Swiss mid-market and European financial service providers.
The round is aimed at institutional and strategic investors operating at the intersection of fintech, legaltech, and AI infrastructure.
What this means for customers and partners
For existing customers and integration partners, nothing changes operationally in the short term. The platform, APIs, points of contact, and service quality remain the same. What changes is the contractual setup: NeuraPay® Financial Technologies AG will become the new counterparty with a dedicated capital structure, independent governance, and a clear mandate for growth.
Our vision remains unchanged: any company with outstanding receivables should be able to integrate NeuraPay® as an infrastructure layer, similar to how teams integrate Stripe for payments or Twilio for communications. One integration, and the entire recovery workflow runs through a system that is more transparent, faster, and more controllable than manual alternatives.
Outlook
We are at a point where NeuraPay® is no longer just a product. It is infrastructure: an operating system that companies can rely on to run debt recovery with clarity, control, and compliance.
Stripe showed that payments are an infrastructure problem. We believe debt recovery is the same. NeuraPay® is the operating system for debt recovery.
We will share further updates on the formal incorporation and the financing round in the coming weeks. If you are interested in the round or a strategic partnership, we welcome a direct conversation.
