Fnality International Limited

Based in the UK, Fnality International Limited operates a pioneering payment system utilizing distributed ledger technology to facilitate real-time settlement of digital cash transactions, enhancing liquidity and interoperability within financial markets. Fnality International, founded in 2019 and headquartered in London, UK, focuses on offering the first fully regulated payment system based on distributed ledger technology. The company is led by CEO Rhomaios Ram and has not undergone significant pivots or changes in its business strategy since its inception. In September 2025, Fnality International Limited raised GBP 101.

02 million in series C funding co-led by returning investor WisdomTree and new investors Bank of America Capital Investors, Citi, KBC Group, Temasek Holdings, and Tradeweb, with participation from other returning investors Banco Santander, Goldman Sachs Asset Management, UBS, State Street Bank, Nasdaq Ventures, ING Ventures, Euroclear, The Depository Trust & Clearing Corporation, BNP Paribas, and Barclays Bank. Other unspecified investors also participated in the round. Fnality International's core product offering is the Sterling Fnality Payment System (£FnPS), the world’s first fully regulated payment system using distributed ledger technology (DLT). This platform enables real-time atomic settlement of digital cash transactions, fully backed by funds at central banks.

The £FnPS aims to optimize intraday liquidity, minimize risks, and seamlessly integrate with existing legacy systems and new DLT applications. Targeting banks and financial institutions, it addresses longstanding challenges in wholesale markets by offering 24/7 availability and facilitating rapid peer-to-peer payments, with a focus on expanding its client base in Europe, North America, and beyond.