Kadmos
“Can a vertically-focused fintech own the end-to-end salary payment and financial management stack for global maritime and migrant workers, displacing cash and opaque intermediaries?”
Founded in 2021 as an end-to-end salary payment platform targeting cross-border migrant workers, Kadmos quickly focused its vertical on the maritime/shipping sector, where crew payroll is notoriously manual, opaque, and intermediary-heavy. The platform initially relied on Rapyd Europe hf. as its regulated eWallet and card issuer, with Kadmos providing the technology layer and mobile app. In 2025, Kadmos obtained its own FCA EMI licence in the UK, signalling a shift from pure tech wrapper toward becoming a regulated payments operator in its own right, particularly for the global maritime workforce.