Hyperlayer Raises £30m to Scale Programmable Finance Platform for Banks and Asset Managers

London-based fintech company Hyperlayer has raised £30 million in a funding round that will support the expansion of its programmable financial services platform for banks, wealth managers and asset managers. The investment highlights continued investor interest in fintech infrastructure businesses that enable traditional financial institutions to modernise their digital offerings without replacing legacy core systems.

The round was led by CDAM, a global equity specialist investment firm. New investors joining the company include Mouro Capital, Iona Star and Flintlock Capital. Existing shareholder Susquehanna Private Equity Investments also participated in the round, providing follow-on capital and reaffirming its backing of the business.

Hyperlayer was founded in 2023 as the business-to-business arm of UK fintech HyperJar, which originally launched as a consumer money management app in 2020. While HyperJar focused on helping individuals organise and control their spending, Hyperlayer was created to bring similar programmable finance capabilities to financial institutions and brands. The company’s platform allows clients to build and deploy new digital products, including programmable accounts, spending rules, rewards and embedded finance features, while integrating with existing banking infrastructure.

The funding will be used to scale Hyperlayer’s team, particularly in engineering and product development, as well as to invest further in its core technology. A portion of the capital is also earmarked for international expansion as the company looks to meet growing demand from larger financial institutions beyond the UK. Many banks and asset managers are under pressure to deliver more flexible, digital-first experiences but face challenges due to complex legacy systems and regulatory requirements.

Hyperlayer positions itself as a technology layer that sits on top of existing infrastructure, allowing institutions to launch new products and features more quickly without undertaking costly and risky system overhauls. This approach has become increasingly attractive as competition from neobanks and fintech challengers raises customer expectations around personalisation, speed and usability.

The investor group reflects confidence in this strategy. CDAM’s role as lead investor signals belief in Hyperlayer’s long-term potential as a provider of core fintech infrastructure. Mouro Capital is known for backing fintech companies with ambitions to scale internationally, while Iona Star and Flintlock Capital add further institutional support and sector expertise. The continued involvement of Susquehanna Private Equity Investments underscores confidence in Hyperlayer’s progress since its spin-out from HyperJar.

The company has already been associated with projects involving established financial brands, demonstrating how its platform can underpin consumer-facing products built by incumbents. These initiatives include money management applications designed for specific customer segments, such as people approaching or in retirement, showing the flexibility of Hyperlayer’s technology across different use cases within financial services.

Hyperlayer’s funding round comes at a time when fintech investment has been uneven, with capital flowing more selectively toward companies offering clear value propositions and sustainable business models. Infrastructure-focused fintechs, in particular, have attracted attention from investors seeking exposure to digital transformation across the financial sector without relying solely on consumer acquisition.

The £30 million raise provides Hyperlayer with a longer runway to deepen relationships with existing clients, win new institutional customers and continue developing its platform. As financial institutions increasingly look for partners that can help them innovate quickly while maintaining stability and compliance, demand for modular and programmable solutions is expected to grow.

With backing from a group of experienced financial and fintech investors, Hyperlayer is positioning itself as a key enabler for banks and asset managers seeking to modernise their offerings. The company’s latest funding round strengthens its ability to compete in a crowded market and supports its ambition to play a central role in the next phase of digital transformation within financial services.