Causa Prima Raises $10 Million for AI Network in B2B Finance

The fintech startup Causa Prima has emerged from stealth mode and closed a $10 million pre-seed funding round. The round is led by Creandum. Additionally, Kfund, HelloWorld, Angel Invest, and numerous prominent business angels from companies such as Qonto, Pennylane, SAP, ING, SoFi, LIDL, and DeepMind are participating.

The Madrid- and Munich-based company has an ambitious vision: to build the world’s first agent-to-agent network for B2B financial transactions. On the platform, AI agents will eventually automate negotiations, invoice approvals, payment terms, and disputes between companies.

Experienced Founding Team with Unicorn Background

Behind Causa Prima are three founders with experience in financial infrastructure. Of particular note is Maex Ament, co-founder of Taulia, a pioneer in dynamic discounting that was later acquired by SAP. At its peak, Taulia processed payment volumes of around $50 billion per quarter through a network of five million suppliers.

Henrik Gebbing was previously a co-founder of the German crypto-fintech Finoa, which manages assets worth billions. Rounding out the team is Philip Stanislaus, who was responsible for more than 600 enterprise security audits at Oak Security.

When AI agents negotiate with each other

At the core of the platform is the belief that, in the future, AI agents will operate on both sides of business processes. While companies are increasingly using AI for procurement, accounting, and payment processing, the underlying infrastructure is still based on human processes.

Today, for example, outstanding invoices, payment discrepancies, or requests for early payment often have to be coordinated via long email chains between accounts receivable and accounts payable teams. Causa Prima replaces these manual processes with AI agents that communicate directly with one another and conduct negotiations automatically. According to the startup, this allows conflicts to be resolved within seconds.

Dynamic Discounting at a New Level

Another area of application is so-called dynamic discounting. Suppliers can offer price discounts if invoices are paid early. Although this holds significant savings potential for companies, implementation has often failed due to manual processes.

Causa Prima aims to automate these negotiations and handle them in real time between the participating AI agents. This should enable companies to use liquidity more efficiently while generating additional revenue.

Already over 3,000 active users

According to the company, more than 3,000 users are already using the platform. The fresh capital is primarily intended to fund the expansion of the product and engineering teams at the Madrid and Munich locations.

In the long term, Causa Prima is pursuing an even bigger goal: to make traditional payment terms such as Net-30, Net-60, or Net-90 agreements obsolete. Instead of fixed deadlines, AI agents will in the future negotiate the optimal payment timing and the most economically sensible terms for each transaction individually.

This could position the company at a previously largely untapped intersection of artificial intelligence, corporate finance, and B2B payments.

For investors, this is precisely what makes it so exciting: while many AI applications merely accelerate existing processes, Causa Prima aims to fundamentally rethink the underlying infrastructure of global business-to-business payments.