Business

Hyperlayer secures £30 million to accelerate global fintech innovation with programmable accounts

Monday, 27 October 2025 5:05AM UTC

Hyperlayer raises £30 million in its latest venture round to expand its innovative platform enabling banks and brands to launch personalised financial products quickly and seamlessly across international markets.

Fintech company Hyperlayer has successfully raised £30 million (approximately US$40 million) in a venture funding round, marking a significant milestone in its growth. Led by CDAM, a UK-based investment firm, the funding round also saw participation from new investors such as Mouro Capital, Iona Star, Flintlock Capital, and existing backer Susquehanna Private Equity Investments. The infusion of capital values Hyperlayer at around £160 million and is set to accelerate its international expansion and the enhancement of its technological offerings.

Hyperlayer, founded in 2023 as the B2B venture spinoff of UK fintech HyperJar, specialises in providing banks, wealth managers, and asset managers with plug-and-play financial technology that enables rapid and efficient launch of innovative financial products. The company’s platform stands out for its compatibility with existing banking infrastructures, which allows financial institutions to innovate and compete with digital-first challengers without costly or complex overhauls of their core banking systems. This capability is essential as financial services increasingly demand agility amidst rising customer expectations.

The company is currently engaged with prominent Tier 1 global banks, powering advanced account features, rewards programmes, loyalty initiatives, and tools designed to optimise wealth management customer experiences. Hyperlayer's technology offers programmable accounts that can seamlessly integrate rewards, loyalty programmes, and wealth management services, providing traditional banks with the agility to safeguard their market share and deposit bases. Furthermore, its system facilitates the embedding of financial services into daily experiences for brands and communities—ranging from retailers to sports clubs—enhancing customer engagement and opening new revenue channels.

A unique aspect of Hyperlayer's offering is the focus on financial control and personalisation. Its platform supports transparent, shareable, and adaptive accounts equipped with automatic money management rules and innovative savings tools tailored to individual needs and businesses alike. Shared accounts foster hyper-personalised interactions, simplifying financial management and promoting financial well-being.

Looking ahead, Hyperlayer plans to scale rapidly over the next 18 months by developing new solutions across retail and commercial banking, loyalty and rewards, wealth and asset management, and regulatory technology markets worldwide. The company also aims to expand its product and engineering teams to meet growing demand.

Beyond its B2B focus, Hyperlayer is also scaling its consumer-facing digital wallet, HyperJar, known for its "digital jam jars" system that helps users segment spending and earn rewards from well-known brands including Asda, Morrisons, Starbucks, IKEA, and John Lewis. Additionally, Hyperlayer has partnered with firms like Standard Life to create consumer money apps targeting individuals approaching retirement, exemplifying its broadened reach into personal finance management.

Rob Rooney, co-founder and CEO of Hyperlayer, expressed enthusiasm about the funding, stating that the investment underlines strong market demand for their breakthrough technology, which reduces time to market, costs, and risk for banks and other businesses seeking innovation. Scott Davies, founder and CIO at CDAM, echoed this confidence, highlighting Hyperlayer's proven product-market fit and first-mover advantage in providing sophisticated programmable account technology.

As financial institutions face growing competition from nimble digital challengers and increasing customer expectations for personalised, seamless financial services, platforms like Hyperlayer's are positioned to play a pivotal role. By enabling legacy banks and new brands alike to build, personalise, and launch financial products swiftly—and with minimal disruption to existing systems—Hyperlayer exemplifies the fintech innovation driving the financial sector's transformation.

📌 Reference Map:

Paragraph 1 – ^[1] (Pulse2), ^[2] (Sky News), ^[3] (Finsmes), ^[6] (The Truant)
Paragraph 2 – ^[1] (Pulse2), ^[5] (Fintech Futures), ^[4] (TechMarketView)
Paragraph 3 – ^[1] (Pulse2), ^[3] (Finsmes), ^[4] (TechMarketView)
Paragraph 4 – ^[1] (Pulse2), ^[5] (Fintech Futures)
Paragraph 5 – ^[1] (Pulse2), ^[4] (TechMarketView)
Paragraph 6 – ^[2] (Sky News), ^[6] (The Truant)
Paragraph 7 – ^[1] (Pulse2), ^[5] (Fintech Futures), ^[6] (The Truant)
Paragraph 8 – ^[1] (Pulse2), ^[3] (Finsmes), ^[4] (TechMarketView)

Source: Noah Wire Services

More on this

https://pulse2.com/hyperlayer-30-million-closed-to-power-faster-financial-innovation/ - Please view link - unable to able to access data
https://news.sky.com/story/digital-wallet-provider-hyperlayer-closes-in-on-30m-funding-boost-13393076 - Hyperlayer, a UK-based fintech company, is nearing the completion of a £30 million funding round led by CDAM, valuing the company at approximately £160 million. The funds are intended to accelerate partnerships with global banks and asset managers, enhancing Hyperlayer's smart account infrastructure and consumer-facing digital wallet, Hyperjar. The company collaborates with Standard Life on a consumer money app targeting individuals approaching retirement. ([news.sky.com](https://news.sky.com/story/digital-wallet-provider-hyperlayer-closes-in-on-30m-funding-boost-13393076?utm_source=openai))
https://www.finsmes.com/2025/10/hyperlayer-raises-30m-in-funding.html - Hyperlayer, a London-based fintech company, has raised £30 million in funding led by CDAM, with participation from Mouro Capital, Iona Star, Flintlock Capital, and existing investor Susquehanna Private Equity Investments. The company plans to use the funds to expand its product and engineering teams and support international expansion. Hyperlayer provides a platform that integrates with existing banking infrastructure, enabling banks, wealth, and asset managers to create programmable accounts, rewards, loyalty programs, and wealth management services rapidly. ([finsmes.com](https://www.finsmes.com/2025/10/hyperlayer-raises-30m-in-funding.html?utm_source=openai))
https://www.techmarketview.com/ukhotviews/archive/2025/10/21/hyperlayer-raises-30m-in-funding - Hyperlayer, a UK-based fintech company, has secured £30 million in its latest venture funding round. The funding, led by global equity specialist CDAM, with significant participation from new investors Mouro Capital and Iona Star, and existing investor Susquehanna Private Equity Investments, will be used to scale rapidly with new solutions in retail and commercial banking, loyalty and rewards, wealth and asset management, and reg-tech markets worldwide. Hyperlayer's platform allows customers to build and hyper-personalize financial products without the need for replacing core systems. ([techmarketview.com](https://www.techmarketview.com/ukhotviews/archive/2025/10/21/hyperlayer-raises-30m-in-funding?utm_source=openai))
https://www.fintechfutures.com/venture-capital-funding/uk-fintech-hyperlayer-bags-30m-in-fresh-funding - UK-based fintech start-up Hyperlayer has raised £30 million in a funding round led by CDAM, with support from new investors Mouro Capital, Iona Star, and Flintlock Capital, as well as previous backers including Susquehanna Private Equity Investments. Founded in 2023 as the B2B venture of UK fintech HyperJar, Hyperlayer offers a programmable financial services platform that enables financial firms to build, hyper-personalize, and launch new products at speed without replacing or upgrading core systems. The company plans to use its fresh cash injection to fuel its international expansion plans and grow its product and engineering teams. ([fintechfutures.com](https://www.fintechfutures.com/venture-capital-funding/uk-fintech-hyperlayer-bags-30m-in-fresh-funding?utm_source=openai))
https://thetruant.co.uk/hyperlayer-secures-30m-in-funding/ - British fintech Hyperlayer has secured a £30 million equity injection in one of the UK’s largest funding rounds of the year. The round, led by UK-based investment firm CDAM alongside several new institutional backers, values Hyperlayer at £160 million post-money. The capital will be used to accelerate partnerships with global banks and asset managers, as the company scales its smart account infrastructure and consumer-facing digital wallet, Hyperjar. Founded by former Morgan Stanley executive Rob Rooney, who took the reins as CEO in 2023, Hyperlayer has carved out a niche by offering 'digital jam jars', a money management system that lets users segment spending and earn rewards with brands like Asda, Morrisons, Starbucks, IKEA, and John Lewis. ([thetruant.co.uk](https://thetruant.co.uk/hyperlayer-secures-30m-in-funding/?utm_source=openai))

Noah Fact Check Pro

The draft above was created using the information available at the time the story first emerged. We’ve since applied our fact-checking process to the final narrative, based on the criteria listed below. The results are intended to help you assess the credibility of the piece and highlight any areas that may warrant further investigation.

Freshness check

Score: 8

Notes: The narrative is recent, with the earliest known publication date being 6 July 2025. ([news.sky.com](https://news.sky.com/story/digital-wallet-provider-hyperlayer-closes-in-on-30m-funding-boost-13393076?utm_source=openai)) The report is based on a press release, which typically warrants a high freshness score. However, the same information has been republished across multiple outlets, including Pulse2, Sky News, Finsmes, and TechMarketView, indicating widespread dissemination. ([finsmes.com](https://www.finsmes.com/2025/10/hyperlayer-raises-30m-in-funding.html?utm_source=openai)) No significant discrepancies in figures, dates, or quotes were found. The article includes updated data but recycles older material, which may justify a higher freshness score but should still be flagged.

Quotes check

Score: 9

Notes: The direct quotes from Rob Rooney, CEO of Hyperlayer, and Scott Davies, Founder and CIO at CDAM, appear consistently across multiple reports, suggesting they are directly sourced from the press release. No variations in wording were found, indicating the quotes are reused.

Source reliability

Score: 7

Notes: The narrative originates from Pulse2, a business news outlet. While it is not as widely recognised as some other media, it is a legitimate source. The report is based on a press release, which typically warrants a high reliability score. However, the widespread republishing of the same information across multiple outlets, including Sky News and Finsmes, suggests the content is not exclusive. ([news.sky.com](https://news.sky.com/story/digital-wallet-provider-hyperlayer-closes-in-on-30m-funding-boost-13393076?utm_source=openai))

Plausability check

Score: 8

Notes: The claims about Hyperlayer's £30 million funding round and its plans for international expansion are plausible and align with the company's previous activities. The narrative lacks supporting detail from other reputable outlets, which is a concern. The tone and language are consistent with typical corporate communications, and there are no inconsistencies in spelling or phrasing.

Overall assessment

Verdict (FAIL, OPEN, PASS): OPEN

Confidence (LOW, MEDIUM, HIGH): MEDIUM

Summary: The narrative is recent and based on a press release, which typically warrants a high freshness score. However, the widespread republishing of the same information across multiple outlets, including Pulse2, Sky News, Finsmes, and TechMarketView, suggests the content is not exclusive. The quotes are directly sourced from the press release and reused across reports. The source is legitimate but not widely recognised. The claims are plausible but lack supporting detail from other reputable outlets. Given these factors, the overall assessment is OPEN with a MEDIUM confidence level.

Fintech
Funding
Innovation