Toqio

Toqio sells a no-code/low-code software platform that corporates and financial institutions use to design, launch, and scale customer-facing financial products. The platform spans embedded banking, lending, and payments. A partner marketplace supplies the licensed balance-sheet providers and fintech modules that sit behind the corporate's own brand. The firm describes the end-to-end process as moving from idea to launch in a few weeks.

Toqio's Agent 2.0 model positions non-financial corporates — retailers, marketplaces, B2B platforms — as the primary distribution channel for financial services. Rather than building a direct-to-consumer brand, the company gives partners a white-label toolkit to monetize their existing SME relationships. The supporting design studio and pre-configured partner marketplace are aimed at speed: the firm cites proof-of-concept launches in weeks, with a single build that can deploy across multiple verticals.

CEO and Co-Founder Eduardo Martínez leads the company alongside Co-Founder Mike Galvin, who oversees partnerships. Chairman Gabriel de Montessus, concurrently Head of Worldpay Global Enterprise, shapes the firm's strategic alignment with payments infrastructure. The board includes representatives from lead investors Seaya Ventures (Aristotelis Xenofontos and Beatriz Gonzalez) and Speedinvest (Enrique Martinez Hausmann).

Toqio maintains offices in London and Madrid. Its commercial activity is concentrated in Europe. The firm's platform supports multi-country deployments, and its awards profile — including UK Fintech Awards and Banking Technology Awards — reflects an active go-to-market presence in the United Kingdom and Spain.

Toqio is backed by European venture investors Seaya Ventures, Speedinvest, and AlbionVC. Seaya's Founding/Managing Partner Beatriz Gonzalez sits on the board as an advisor. The investor group is composed of early-stage technology specialists, with no publicly disclosed corporate venture or strategic balance-sheet investment to date.