AI solving actual, high-friction problems in financial workflows — trade support, credit underwriting, compliance monitoring, document processing. Not AI for its own sake.
The Intelligence
Layer
of Financial Services
Layer
of Financial Services
Backing AI-native founders rebuilding finance from the ground up. Tenity has been at the intersection of institutional finance and emerging technology since 2015.
30+
AI × fintech portfolio companies
81
percent of financial services firms now adopting AI at some level
61
percent of all VC went to AI in 2025
30+
AI × fintech portfolio companies
81
percent of financial services firms now adopting AI at some level
61
percent of all VC went to AI in 2025
AI Is Not Disrupting Finance. It Is Rebuilding It.
The first wave of fintech was about digitising existing processes. The current wave — powered by large language models, agentic systems, and real-time data infrastructure — is about redesigning how financial decisions are made, by whom, and at what speed. We identify and back the founders building the durable infrastructure of this shift across four verticals where we see lasting, institution-ready value creation.
Autonomous Finance
AI agents for trading, lending, portfolio management, and treasury. Autonomous systems operating within institutional risk parameters — not replacing human judgement, but executing it at machine speed.
Autonomous Finance
AI-Driven Compliance
Predictive AML and KYC systems, regulatory intelligence platforms, automated reporting, and real-time risk scoring. The compliance layer of finance is its most under-automated surface.
AI-Driven Compliance
Decision Intelligence
Credit underwriting models, market signal extraction, alternative data platforms, and AI-augmented advisory. From retail credit to institutional investment — better decisions, faster.
Decision Intelligence
AI × Digital Assets
The convergence of on-chain infrastructure and AI tooling. Autonomous compliance agents, intelligent custody systems, and predictive tokenisation platforms operating on regulated rails.
AI × Digital Assets
Autonomous Finance
AI agents for trading, lending, portfolio management, and treasury. Autonomous systems operating within institutional risk parameters — not replacing human judgement, but executing it at machine speed.
Autonomous Finance
AI-Driven Compliance
Predictive AML and KYC systems, regulatory intelligence platforms, automated reporting, and real-time risk scoring. The compliance layer of finance is its most under-automated surface.
AI-Driven Compliance
Decision Intelligence
Credit underwriting models, market signal extraction, alternative data platforms, and AI-augmented advisory. From retail credit to institutional investment — better decisions, faster.
Decision Intelligence
AI × Digital Assets
The convergence of on-chain infrastructure and AI tooling. Autonomous compliance agents, intelligent custody systems, and predictive tokenisation platforms operating on regulated rails.
AI × Digital Assets
Why we invest
Investing in GenAI with Impact, Moats, and Scale
We back teams that embed AI as a core product capability or as an enabler of efficiency and intelligence in high-value financial workflows — not teams bolting a chatbot onto existing products.
Real-world relevance
Enterprise readiness
The ability to meet institutional standards in security, compliance, and scalability. Governance-first architecture is a prerequisite, not an afterthought, for any financial services AI product.
Defensible moats
Moats come from domain expertise, regulatory alignment, and proprietary financial data — the hardest barrier for new entrants. Distribution and access to institutional clients matter equally.
Institutional distribution
Building in fintech means navigating procurement cycles, compliance gates, and risk committees. Tenity’s network of institutional partners and financial operators gives portfolio companies a meaningful head start.
Deep proprietary dealflow.
Institutional discipline.
One platform.
Selected Investments
Backing the Builders of AI-Native Financial Infrastructure
A selection of AI × fintech investments from early-stage to growth, across the Tenity portfolio.
Interested in Our AI × Finance Investment Activity?
We back early-stage AI-native fintech founders building institution-ready products. If you are building in this space, or investing alongside us, we want to hear from you.
Frequently Asked Questions
What is AI fintech venture capital?
What is AI fintech venture capital?
AI fintech venture capital refers to early-stage investment in companies applying artificial intelligence to rebuild core financial services — from lending and compliance to trading and wealth management. Unlike generalist AI investing, AI fintech VC requires deep familiarity with financial regulation, institutional procurement cycles, and the specific data infrastructure that makes AI models defensible in a regulated environment.
What is Tenity’s thesis on AI in financial services?
We believe AI is not incrementally improving financial services — it is rebuilding them. The most durable companies in this cycle will be those that embed AI as a core capability in high-friction financial workflows, rather than adding it as a layer on top of existing products. We focus on three areas where we see lasting, institution-ready value creation: autonomous finance, AI-driven compliance, and decision intelligence. We back founders who combine genuine domain expertise with regulatory awareness and the ability to reach institutional clients.
How is Tenity different from a generalist VC investing in AI?
Tenity has operated at the intersection of institutional finance and early-stage technology since 2015. That means our deal flow comes from relationships with banks, insurers, and regulators — not from inbound cold applications alone. We understand what it takes for an AI product to pass a bank’s procurement process, satisfy a compliance team, and scale within a regulated environment. Generalist AI investors can write a cheque; we can open the door to the first enterprise customer, run a structured pilot, and help navigate the governance requirements that determine whether a financial AI product survives beyond proof of concept.
What kind of AI fintech companies does Tenity back?
We back early-stage companies — typically pre-seed to Series A — building AI-native products for financial services. This includes companies working in autonomous finance, compliance automation, credit and risk intelligence, and the convergence of AI and digital asset infrastructure. We look for founders who are solving real, high-friction problems with a clear path to institutional distribution, a defensible data or regulatory moat, and the technical architecture to meet enterprise security and compliance standards.
How do I apply for Tenity investment?
We invest directly based on fit — no programme application required. If you are building an AI-native fintech product with a clear path to institutional distribution and the technical architecture to operate in a regulated environment, we want to hear from you. Submit your deck via our venture capital page.
This page is for informational purposes only and does not constitute an offer to sell or a solicitation to purchase any security. For professional and institutional investors only.