Plinto, a Copenhagen-based fintech firm, has closed a €2.9 million pre-seed round backed by People Ventures, Emblem and a syndicate of business angels. The company, which launched in early 2025, is building artificial intelligence agents designed to sit atop existing enterprise systems and catch financial discrepancies in real time.
The platform connects to the ERP systems, documents, banking infrastructure and communication channels that companies already operate. Rather than replacing these tools, Plinto's agents layer on top to cross-check invoices, orders and payments against contracts, budgets and company policies. When the system spots a mismatch, it digs into the evidence, coordinates with staff or suppliers, and helps execute corrections.
Large enterprises process enormous quantities of financial transactions daily, yet verifying each one against the correct terms remains largely a manual task. Accounting systems record what happened, but confirming that a payment matches the agreed price or that an invoice is legitimate often demands pulling data from scattered sources. Many firms resort to sampling or end-of-month audits, leaving errors—wrong amounts, duplicate bills—undetected until money has already left the bank.
Companies have systems that record every single transaction, but checking whether those transactions actually match agreements and rules is still largely manual. We're building AI agents that find deviations, investigate them and take action, so errors get fixed.
Jakob Nielsen, cofounder of Plinto
Plinto's approach tackles this gap by automating the verification layer. The agents compare each transaction against the relevant contract, budget or internal rule, then investigate any gaps and pull together supporting documentation. Depending on what they uncover, they can reach out to staff or vendors, ask for credit notes or flag corrections that need sign-off.
Many of our customers work with low margins, so even small errors can quickly add up. The problem is that they're often only discovered after the money has been paid. We want companies to catch and fix errors before they hit the bottom line.
Nermina Suljevic, co-founder and CEO of Plinto
Early results from customer deployments show the potential. In one customer's business segment, Plinto's agents flagged roughly 430 discrepancies each month. In another instance, the system caught a duplicate invoice—submitted under a slightly altered supplier name—within sixty seconds of arrival, stopping a duplicate payment before it could go through. The startup already has paying customers and pilots running in logistics, real estate, facility services and food production, sectors where thin margins mean small slip-ups carry outsized impact.
The €2.9 million round, or approximately DKK 21.6 million, will fund accelerated product development, expansion of the customer base among large enterprises and the company's first moves into markets beyond Denmark. Plinto is zeroing in on organisations that handle high transaction volumes but lack the resources to manually verify each one.
The founding team—Jakob Nielsen, Nermina Suljevic and Sebastian Rehnby—all spent time at Peakon, the employee experience platform that Workday bought in 2021. Andreas Garnæs, who leads engineering at Plinto, also worked at Peakon. The group brings expertise in product design, software engineering and business operations, now focused on automating the financial controls function.
Source: ArcticStartup
