Full financial control for startups.
Connect your existing banks and automate payroll, invoices, treasury, and bookkeeping from one AI-native account - up and running in 10 minutes.
Europe's most ambitious startups are already on Seapoint
Go from tool sprawl to clarity in three easy steps.
Connect your bank accounts, Gmail, and Xero in minutes. Automate accounts, invoices, payroll, and books. No migration or switching needed.
Automate the work. Grow your money. One platform.
Payroll, invoices, treasury, cards, book keeping - all running natively on Seapoint with live integrations and AI.
Real-time visibility across every account.
Consolidated cash, burn, and runway in one view. Open banking pulls live balances from every account you already use.
AI categorises. Xero syncs in real time.
AI-powered categorisation learns your patterns. 2-way Xero sync keeps your books current without manual reconciliation.
Upload your pay run. Everyone gets paid same-day.
Parse payroll files, review, approve with one click. Batch payments via Faster Payments and SEPA Instant.
Capture, approve, pay - one screen.
Extract invoice details from your inbox automatically. Sender, inbox, and full email body surfaced alongside the PDF so you can spot errors before you approve.
The tools you already use, pre-connected.
Xero, Gmail, Stripe, and 2,000+ banks via open banking. More added regularly.
Financial products
A business account, with cards, treasury, and more. Built with regulated financial partners.
“Seapoint has an AI native stack in a way that many others in this space who've been around four, five, six more years do not have... that's what gives me confidence.”
“I've just run my first payroll through the platform. Given I was manually having to do that with individual transactions in the Monzo app, that's been a particular time saver.”
“If you can have a product that consolidates your bank accounts, provides you with options in terms of creating accounts, and automates bookkeeping and payroll, why would you not use it”
Startup-focused capabilities. Institutional-grade safeguards.
How our partners are regulated
Modulr Finance B.V. (FRN: R182870) — authorised and regulated by the Dutch Central Bank (DNB) as an Electronic Money Institution.
Funds ring-fenced
Funds held in segregated accounts under the Electronic Money Regulations 2011. Not lent. Not used for corporate operations.
Safeguarded & Protected
For EEA customers, funds are held at Stichting Custodian Modulr Finance, a Dutch foundation that holds your funds on trust, with an additional 2% regulatory capital requirement.
Powered by Modulr
Seapoint Finance Limited partners with Modulr Finance B.V. — the payment infrastructure behind leading European fintechs.
Built to give founders hours back.
Save 10–20 hours a month on finance admin
Replace 4–6 tools with one. Seapoint automates payroll, invoices, expenses, treasury, and books - so you approve outcomes, not do the work.
Full control in 10 minutes
Connect your accounts via open banking, see consolidated cash, burn, and runway on day one.
Books your accountant actually likes
AI categorises every transaction across every connected account. 2-way Xero sync keeps the books clean in real time - month-end takes minutes, not days.
