“Can an AI-native financial OS replace the fragmented finance stack of funded European startups before traditional neobanks catch up?”
Founded in 2025 by Sean Mullaney (formerly European CIO at Stripe, CTO at Algolia), Seapoint was built from inception as an AI-native financial operating system for funded European startups. Rather than a traditional neobank, it targets the fragmented finance stack of early-stage companies — combining open-banking-powered bank aggregation, automated bookkeeping synced to Xero, payroll, invoice management, multi-currency accounts, virtual cards, and treasury yield into one platform. The embedded finance infrastructure is assembled via Modulr (BaaS/payments), Yapily (open banking), and WealthKernel (investments), with AI automation as the differentiation layer.