The round was led by Humanity Investments, with backing from Animoca Brands, Hex Trust, Three Point Capital and Jamie Rogozinski, the founder of WallStreetBets. 

The funding gives the company the needed capital to push a platform it says is designed to reduce fragmentation and limit bot-driven abuse in retail trading.

The company is targeting a pain point where many traders now operate across several platforms, juggling multiple balances, different regulations and clouded pricing mechanics. 

Everything is betting that a single account and balance, usable across Telegram, mobile and web, will appeal to users tired of that complexity.

An interesting feature is the integration of Humanity’s human verification system. The aim is focused on one person, one account. By tying participation and rewards to verified individuals rather than account numbers, the platform says it can curb fake accounts, automated trading abuse and reward farming.

Tim Tsai, chief executive of Everything, said: “The problem isn’t that traders lack options. It’s that existing options are fragmented, opaque, and dominated by bots.” He added, “We’re building for retail traders who want simplicity, transparency, and fairness. One account. One balance. One set of clear rules. Everything is that venue, and Humanity’s verification ensures it stays fair as we scale.”

The company plans to offer access to crypto, stocks and commodities, with leverage of up to 1000 times. That level of leverage will raise eyebrows in some quarters, but Everything argues that clearer regulations and identity checks can help manage abuse while keeping markets open to smaller traders.

Terence Kwok, Humanity’s founder and chief executive, said the partnership is meant to blend community participation with institutional safeguards. “We’re pairing the most authentic voice in retail trading with the leading regulated financial institution in Asia, Hex Trust, and Humanity’s Proof-of-Trust network to guarantee one-person-one-account integrity. 

“Together, we’re building an exchange where the community drives the rules, institutions provide security, and bots have nowhere to hide,” he said.

The rollout will be gradual, with the first phase expected to be a Telegram mini-app focused on quick onboarding. Mobile, desktop and web versions will follow, alongside additional features outlined in the company’s litepaper.

Everything was founded by former executives from KuCoin, Alibaba and Tencent. Humanity, which provides the verification layer, was built as a trust framework that allows users to prove facts about themselves without exposing private data. Its token is already trading on major exchanges.

Everything’s model will test whether retail traders are ready to trade across markets in one place, under one identity, with fewer hidden regulations.

The new capital will support the expansion of its global operations, strengthen its regulatory presence, and enhance its institutional banking infrastructure.

The round saw participation from Tether Investments, Quona Capital, Wintermute, Helios Digital Ventures, Financial Technology Partners, Yolo Investments, Kazea Fund, and GC&H Investments. With this latest injection, Pave Bank’s total funding now exceeds $44 million.

Founded on the belief that the future of money is programmable, Pave Bank aims to provide a single, regulated platform for institutions managing both fiat and digital assets. 

The bank integrates commercial banking services, such as deposits, payments, foreign exchange liquidity, and treasury management, with digital asset solutions including instant settlements and OTC trading.

“The global financial system is moving towards regulated on-chain finance, and institutions need a trusted bridge between the old and the new,” said Salim Dhanani, co-founder and CEO of Pave Bank. 

“We have built a multi-asset bank that merges the stability and prudential oversight of traditional finance with the automation, speed, and intelligence of digital assets. This is about redefining how money moves safely, transparently, and automatically across the world’s financial systems.”

Through its unified interface, businesses can manage fiat and digital assets in real time, automate treasury operations, and eliminate the inefficiencies of multiple intermediaries. Exchanges, corporates, and institutional investors can streamline operations, optimise liquidity, and ensure compliance, all under a single regulatory framework.

Since its inception, Pave Bank has prioritised sustainable growth and operational efficiency over rapid expansion. In its first nine months, the company recorded profitability in seven, supported by automation and technology-driven systems across compliance, treasury, and engineering functions. 

Despite a lean team of just over fifty professionals, Pave Bank maintains a focus on intelligent scaling while safeguarding risk management.

“The companies we serve are large, sophisticated corporations and institutions operating across markets,” Dhanani added. “They expect their bank to be as fast and adaptive as the technology companies they partner with, but with the security, compliance, and oversight of a regulated financial institution. That’s the gap we’re closing.”

Investors share this long-term vision. “As digital assets become an integral part of the global financial ecosystem, there is a strong need for a well-regulated, full reserve approach to banking at the intersection of fiat and digital assets. Pave Bank is at the forefront of this fundamental shift in how financial infrastructure operates and we are excited to partner with them,” said Rachit Parekh, partner at Accel.

Ganesh Rengaswamy, partner at Quona Capital, also noted the potential of Pave’s model. “By powering mainstream fintechs and digital platforms through its programmable banking infrastructure, Pave is leading the new age transformation in financial services and enhancing the experience for end-users. 

“Pave’s programmable, full-reserve approach combines the best of traditional banking and digital assets and has the potential to catalyse widespread adoption of stablecoins, deepening financial inclusion across markets. It’s an ambitious vision grounded in real-world execution.”

The funding shows institutional trust in programmable and regulated finance is growing. Pave Bank’s hybrid model stands out as one of the few that can handle stablecoins, bitcoin, and traditional currencies under the same prudential standards. 

The company will continually work closely with regulators to ensure compliance and interoperability across different jurisdictions.

Pave Bank plans to expand its licences, enhance its programmable treasury and institutional products, and strengthen ties with major financial and digital asset networks. Its long-term goal is to become the global financial institution where the traditional and digital economies converge.

The funding round was led by Flourish Ventures, with participation from Visa Ventures, TLCom Capital, Stellar Development Foundation, Lava, Musha Ventures, 4DX Ventures, Antler, and individual investors.

Founded in 2020, HoneyCoin has built a stablecoin-powered payment platform that enables businesses and individuals to move money across borders in hours rather than days. 

The company connects directly with banks, mobile money networks, and global payment partners, aiming to lower settlement costs while improving transaction speed.

The Nairobi-based startup processes over $150 million in monthly transactions and serves millions of end users across 45+ countries. Its infrastructure supports payment collection, real-time money transfers via stablecoins and traditional rails, and issuance of bank accounts, debit cards, and wallets. Clients include high-growth businesses and fintechs such as Cedar Money, TerraPay, and Jiji.

“HoneyCoin is tackling real-world challenges in cross-border payments and financial access across Africa,” said Cuy Sheffield, head of Crypto at Visa. “It’s a strong example of how stablecoins can unlock more efficient and inclusive payment solutions in emerging markets.”

Founder and CEO David Nandwa said the company has been profitable for two years and intends to use the new capital to secure additional licences, expand into Mozambique, Zambia, Rwanda, and Francophone Africa, and launch new products. 

These will include a Visa-backed stablecoin debit card, a cross-border liquidity solution for corporates in partnership with Interswitch, and a banking-as-a-service platform in Ghana, Malawi, and Tanzania.

Efayomi Carr, principal at Flourish Ventures, noted: “We first backed HoneyCoin in 2021 based on David’s technical expertise and regulatory vision. Since then, he’s built a licensed, profitable, and high-growth infrastructure platform powering nearly 300 financial institutions and processing billions in transactions annually.

“This follow-on investment reflects our deep confidence in HoneyCoin’s results to date and potential to lead the next generation of compliant, blockchain-enabled finance across Africa.”

HoneyCoin holds multiple licences, including in Canada, the US, Europe, and key African jurisdictions, with direct partnerships with banks, mobile operators, and payment providers. The company claims its B2B settlement volumes are growing 16% month-on-month, while consumer activity through its Peer app is rising by 5% monthly.

According to Nandwa, “Our mission is to build the operating system for money; how it’s moved, held, and collected, regardless of medium or geography—just like Apple redefined computing. This raise enables us to lead that transformation, across Africa and other global markets.”