Slekt Capital · Banking 3.0

Banking was never designed to be AI-native.
So we are building it from scratch.

Legacy banks run on 1980s mainframes. The first neobanks moved to the cloud but kept the same mental model. Slekt is something different. A core banking OS where AI isn't a feature bolted on top — it's the architecture itself.

Layer one
AI writes the infrastructure

Integrations, compliance rules, and product features deploy in days, not the years a traditional bank requires.

Layer two
Agents that know your business

Specialist AI trained on financial operations: treasury, onboarding, accounting, wealth management — not a generic chatbot over documents.

Layer three
Users build their own bank

Need invoicing? A custom report? Build it directly into the platform. The interface is yours to modify. No dev team required.

Legacy and first-gen fintech systems cannot be retrofitted into this. The architecture is incompatible. Slekt has to be built new — and that is exactly what we are doing.
Finnish EMI licence in progressClient funds segregated at tier-1 banksFrom the founder of Narvi PaymentsWe use this technology to solve real-world problems.

Europe has no wealth infrastructure for the new entrepreneurial class.

Problem 01

€3.56 trillion sitting idle

€3.56 trillion sits in European business accounts earning no interest. That is €50+ billion in interest. Businesses have a right to earn money on their hard earned cash.

Problem 02

Premium banking is locked away

Banks only provide high-quality banking services to large companies.

Problem 03

Wealth building is reserved for Old Money

Building wealth for your family and children is reserved in Europe for “Old Money” who have access to large old banks and family offices with 10+ staff.

Slekt is changing this. Welcome to our all-in-one AI native platform that provides you with cutting-edge banking services, investment products and a team of AI advisors to rival big family offices. Start growing your business and Wealth with Slekt.

Three key products combined into Slekt Capital

Product 01
Slekt Earn
Earn 2% to 8% on your business current account

Choose your risk and return. Your capital works from day one.

  • European government Bonds
  • US treasury Bonds
  • Tier-1 Bank guaranteed assets
  • Corporate Bonds
  • Emerging markets bonds
Product 02
Slekt Pay
Global payments 80% cheaper

Get a named IBAN account, credit card, multi-currency account and global payments 80% cheaper than your existing bank.

  • Named IBAN account
  • Credit card
  • Multi-currency account
  • Global payments
Product 03
Slekt Banking OS
Your AI co-founder

Our revolutionary AI-built banking operating system helps you manage your business.

  • Integrate everything — connect all your banks and payments via AI agent
  • Use Slekt with Claude, ChatGPT
  • Your personal CFO, wealth advisor, treasury advisor, tax helper
  • AI native apps — fully customizable for your needs

Build your own Family Office

A traditional Family Office requires at least €25 million in assets, dozens of staff, and relationships with top-tier banks like Goldman Sachs. It was never designed for you. It was designed for the 0.1%

Every hard-working business owner deserves the best advice, tools and financial products to build wealth.

Slekt (Noun) — means family, clan, lineage, kin in Nordic languages
Traditional Family Office
Slekt Capital
€25M+ minimum assets required
No minimum. Earn a real rate on your cash from day one on any balance.
10+ staff, high overhead costs
AI advisors — the same level of expertise and support, zero headcount cost.
Separate banks per entity, manual reconciliation at year-end
All accounts in one place. Open accounts for all your companies and children. Move money between entities in seconds.
Opaque processes, data shared across advisors and institutions
Privacy by default. End-to-end encrypted. EU data residency. Your financial life is yours.
The Slekt platform acts as your own family office to help you build wealth without the costs associated with traditional advisors, banks and Investment houses.

Here's how you go from 0 to earning


Onboard in minutes. Earn from day one. Withdraw in seconds.

1

Open the account

Onboard in minutes from your phone or laptop. No paperwork, no branch visit.

2

Deposit instantly

Add funds to your account instantly.

3

Earn from day one.

Your balance starts earning 2–8% automatically. You choose the risk level. EU government bonds to earn 2% for a bit higher on corporate bonds.

4

Withdraw in seconds.

Move money back to your primary account instantly. Ready to pay salaries, suppliers, or whatever comes next.

+ Add-on Banking

Do also your banking with Slekt. Add your own multi-currency business account, global payments and cards.

+ Add-on Family OS

Our AI team members do work to build your wealth and help you manage your business. AI built native apps that are fully customizable for your needs.

Built different from the ground up.


Our team has built multiple Fintechs and Neobanking software which our customers loved and the banks hated because it was better than theirs.

Our newest one is something even better.

Slekt is built on an AI native platform.

AI co-founders for users

Specialised team to help you in everything banking. AI integration agents to connect all your data sources like Stripe and your banks into our App.

AI native app platform

Build the tools you need directly on top of our products. No need to wait for our dev team. Connect Slekt to Claude and ChatGPT.

AI native corebanking OS

Reimagines how corebanking should work and scale. AI writes code at scale so we can integrate and deploy features in days rather than years.

Security by design

Specialist AI agents trained to handle all key tasks — onboarding, AML, transaction monitoring. Platform built with security in mind to ensure safety of your data, actions and transactions.

Where Banking 3.0 begins.

Banking 1.0

Legacy banking systems

Built 1980–1990
  • Server-based, very static
  • Bare minimum banking features
  • In-person advice
  • Cannot be modernised

Old legacy banking systems built on 80s/90s architecture. Deeply embedded, impossible to change.

Banking 2.0

First-generation fintechs

Revolut, Wise — 2010s
  • Cloud-based, modern UX/UI
  • Faster integrations
  • Added services — eSIMs, investments
  • Still basic banking features

Took a cloud approach. Better UX. But still not AI-native — and cannot be retrofitted.

Banking 3.0

Slekt Banking OS

Next Generation — Now
  • AI native — not retrofitted
  • Expert advisor team built-in
  • Full flexibility — user-level customisation
  • AI writes and deploys features in days

Slekt is building something completely new. The old systems cannot be changed to this. It has to be built from scratch.

Neil Ambikar
Neil Ambikar
Founder, Slekt Capital
Previously Founder, Narvi Payments
10+ years building regulated fintech
Neobanks, payment orchestration, crypto/fiat
“We have been building multiple financial startups over the last 10 years. We solved a lot of challenges for our users from launching Neobanks for businesses, payment orchestration platforms, combining crypto with fiat. We were always held back due to regulation and the slow pace of developing technology in the payments space. AI-first platform development is the greatest opportunity we have seen in our careers.

If your business holds cash, Slekt was built for you.

You don't need a treasury department. You need your money working while you're busy running the business.

Use case 01

Business owner with cash sitting idle

You've got €200k in your business account. It's doing nothing. Your bank offers 0.1% if you're lucky. With Slekt, that money is working from day one, earning 2–5% automatically, pulling back instantly when payroll hits.

Use case 02

The entrepreneur running multiple companies

You've got a holding, an operating company, maybe a third entity for a side project. Right now that means three banks, three logins, three sets of statements to reconcile at year-end. Slekt puts them in one place. Move money between entities in seconds. One dashboard. One view of everything.

Use case 03

A founder wearing multiple hats

You're closing deals, managing the team and handling operations and don't have the time for finances. Your AI advisor monitors transactions, flags anomalies, forecasts cash flow, and has reports ready when someone asks.

Nordic regulation. Bank-grade segregation. End-to-end encryption.


Slekt Capital is currently in the process of obtaining an Investment Services License and a Payments Institution License.

Slekt founders have built successful Neobanks and end-to-end core banking solutions. We love building amazing banking products for our users.

🇫🇮 Finnish EMI Licence
Investment Services License in progress
Client funds segregated
Held at tier-1 banks — fully protected
End-to-end encrypted
EU data residency. Privacy by default.
Founded by Narvi Payments team
10+ years building regulated fintech in Europe

The wealth infrastructure for Europe's entrepreneurial class.

We are building something Europe has never had. Be the first to know when it is ready.

No spam. Only launch updates. EU data residency.