Creem has raised a EUR 5 million seed round led by Inovo VC, with participation from Practica Capital and Antler, bringing the startup’s total funding to EUR 7 million after a pre-seed round completed in 2025. A group of angel investors connected to companies including Bolt, Ready Player Me and Voi also took part in the round.
Since its 2025 pre-seed, Creem says it has more than doubled its annual recurring revenue to over EUR 2 million while keeping a comparatively small technical team. The company plans to use the new capital to develop Creem 2.0, an update that it says will let a single prompt configure a store’s entire billing setup and then hand off monitoring and operations to AI agents.
Creem 2.0 and agent-run billing
Creem was originally built as a financial infrastructure layer for lean, globally distributed, AI-native companies typically run by technical founders without dedicated finance or commercial teams. The company frames the problem as an operational bottleneck: product development can now happen within days using AI-assisted tools, but monetisation still requires manually connecting checkout, tax compliance, payouts, billing, affiliate management and analytics systems.
Creem 2.0 is positioned as going beyond standard merchant-of-record services. The platform will cover global sales with integrated tax and compliance handling, affiliate management, revenue splits, conversion analytics, short links and marketing-channel tracking, as well as abandoned cart recovery. It will support pricing models including usage-based billing, credit wallets, seat-based plans and prepaid credits.
A central design feature is that the platform can be operated by AI agents as well as by human teams. Gabriel Ferraz, co-founder and chief executive of Creem, said the company has taken a different approach to firms building agentic payment workflows, allowing founders to deploy their own agents to run and optimise their stores without expanding headcount.
Investor perspective and expansion plans
Dawid Sugier, principal at Inovo VC, said the fund has observed small engineering teams building businesses valued at tens or hundreds of millions of euros—scale that previously required much larger organisations. He noted these teams often lose time on accounting, tax and operational tasks, particularly when using non-standard structures such as revenue-split models instead of conventional equity plans, and added that a growing share of transactions initiated by AI agents rather than human buyers is expected to expand the addressable market for Creem’s platform.
Over the next 12 to 18 months, Creem plans to extend Creem 2.0 horizontally to cover growth and revenue tools, including affiliate management, analytics and marketing-channel tracking, alongside global compliance and payouts across fiat and stablecoin rails. The company also intends to continue developing agent-run billing and monetisation functionality so stores can be set up, monitored and optimised with limited human involvement.
