Fintech

Atrya receives 1.75 million US dollars for the future of payments

Programmable Payments. Atrya creates regulatory compliant blockchain payments for international companies and receives USD 1.75 million.
News by Marc Nemitz Marc Nemitz · Hamburg, 05. November 2025

The Hamburg-based fintech startup Atrya (formerly Caplend) has closed a pre-seed financing round of 1.75 million US dollars. The company is developing a regulatory compliant on-chain payment infrastructure based entirely on e-money tokens. The goal is to create the next generation of payment service providers (PSPs).

Investors from the web3 and financial world

The funding round was led by Gnosis VC, one of Europe's leading Web3 investors. Other backers include Heartfelt, IFB Hamburg, former PIMCO managing director Andrew Bosomworth and business angels Volker Jacobs and Markus Franke. Atrya intends to use the fresh capital to further expand its blockchain-based payment architecture together with partners in Europe, the USA, Asia and Latin America.

Especially in a globally networked trading city like Hamburg, efficient cross-border payments are crucial. Atrya makes international payments more efficient and transparent - a strong signal for Hamburg as a center of innovation.

Benjamin Lakhssassi, Investment Manager at Innovationsstarter Fonds Hamburg

Blockchain as the foundation for new payment systems

The founding team Lorian Qorraj, Benjamin James and Julia Beermann are working on a native blockchain-based infrastructure that enables cross-border payments, agent-to-agent transactions, refinancing and e-commerce payments. The underlying e-money token architecture was developed in collaboration with the Dutch provider Quantoz, one of the leading European issuers of digital e-money tokens.

Programmable money, a paradigm shift

CEO Lorian Qorraj emphasizes that today's payment systems are based on decades-old technologies that create isolated networks and make payments expensive and inefficient. Atrya aims to make banks and intermediaries superfluous - in future, transactions will run directly via the blockchain. In this way, the company aims to accelerate European payment innovations and lay the foundation for digital, programmable currencies in compliance with MiCAR.


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