Building the financial infrastructure for the AI economy.

Payle is an AI-native financial product. We believe AI is becoming a new category of business spending, and it deserves its own credit layer, not a traditional credit card bolted onto old infrastructure.

Our mission

Make AI accessible to every builder, creator and company, regardless of upfront capital. We give people AI Power: a credit line designed exclusively for AI spending, with exclusive pricing and interest-free repayment over 3 months.

We are not a bank. Not a BNPL app. Payle is the financial operating system for the AI economy, where people, companies and AI agents discover, finance and control AI spending in one place.

The people building Payle.

A small team, mostly engineers, spread between Milan, Toronto and San Francisco.

  • Mattia Ciuni

    CEO

    CEO and technical founder building Payle from Milan, Italy.

    Based in
    Milan, Italy
    Focus
    Company strategy · Product and technical direction · AI finance adoption
  • Ramcharan Velpuri

    Co-Founder & CMO

    Co-Founder & CMO based in Toronto, Canada.

    Based in
    Toronto, Canada
    Focus
    Go-to-market strategy · Brand and growth · AI finance adoption
  • Satomune Mie

    CTO

    Technical CTO focused on AI and machine learning development.

    Based in
    Tokyo, Japan
    Focus
    AI and machine learning · Technical architecture · AI infrastructure

Why builders trust Payle

1,247+
builders on the waitlist
100+
approved AI tools
0%
interest, ever

Disclaimers

Payle is not a bank. Payle is a technology company currently in development and is not a bank, lender, broker-dealer, investment adviser, payment institution, money transmitter, or insurance provider. Payle does not currently accept deposits, hold customer funds, issue cards, provide payment accounts, extend credit, execute trades, or provide investment, tax, accounting, or legal advice.

Any financial products or services described on this website are illustrative and may not be available. If Payle launches financial features, they may be offered through appropriately licensed and regulated third-party partners. Those partners, rather than Payle, may be responsible for custody, payments, banking services, lending, brokerage, investing, card issuing, compliance, and customer support. Availability may depend on jurisdiction, eligibility, identity verification, underwriting, partner approval, and applicable laws.

No application, account, card, approval, rate, yield, reward, balance, transaction, insurance coverage, or other financial outcome is guaranteed. Product names, descriptions, pricing, limits, fees, rates, eligibility requirements, partner relationships, and regulatory arrangements may change before launch or may never be offered.

Nothing on this website constitutes financial, investment, lending, tax, accounting, legal, or other professional advice, and nothing creates a fiduciary relationship. Information is provided for general informational purposes only and should not be relied upon as a substitute for advice from a qualified professional who understands your circumstances.

Any future funds, balances, or transactions may be subject to the terms of the relevant provider. Unless expressly stated in final product documentation, funds may not be insured by the FDIC, protected by SIPC, guaranteed by any government agency, or otherwise protected against loss. Investments and other financial products involve risk, including the possible loss of principal.

Third-party names, logos, trademarks, and links are used for identification or informational purposes and do not necessarily imply endorsement, sponsorship, or a current commercial relationship. External providers maintain their own terms, privacy policies, disclosures, security practices, and service availability.

Payle may collect waitlist or contact information before launch, but joining a waitlist does not create an account, guarantee access, establish a customer relationship, or constitute an offer to provide any product or service. Please do not submit sensitive financial information through forms that are not explicitly designated for that purpose.

By using this website, you acknowledge that it is an evolving preview of Payle and that content may be incomplete, inaccurate, or outdated. Please review final agreements and disclosures before making any financial decision or using any future Payle feature.