Fintech startup Quartz raises £2.8m led by Daphni with Outward VC
This article covers Quartz, a London fintech startup, which has raised £2.8m in a pre-seed funding round led by French VC Daphni and is launching its app in the UK. The raise will fund product rollout and regulatory-compliant data aggregation to help UK consumers consolidate pensions, ISAs, savings and investments into a single view and underscores investor interest in consumer-facing wealthtech.
Quartz, a London fintech startup, has raised £2.8 million in a pre-seed funding round led by French VC Daphni, with participation from Outward VC and K Fund and angel backing from Philippe Gelis (founder of Kantox) and Gilles BianRosa (former CPO at N26 and Kraken). The app launches in the UK today on the App Store and Google Play and will admit members from its waitlist by invitation; the raise will fund product rollout and regulatory-compliant data aggregation capabilities.
Why it matters
Wealth management remains split between high-cost personalised advice and commoditised, one-size-fits-all products. Quartz aims to sit between those poles by aggregating a user’s pensions, ISAs, savings and investments into a single view and providing in-app, tailored guidance without offering regulated investment advice. Its registration with the Financial Conduct Authority as an Account Information Service Provider (AISP) gives it a compliance foundation that matters for consumer trust and data access.
The size of the pre-seed — £2.8 million — is notable for the UK fintech market and signals investor appetite for consumer-facing wealth tools that combine data aggregation with on-device or service-layer intelligence.
Inside the product
Quartz uses its own connectors to pull together accounts and holdings across pensions, ISAs, savings and investment platforms. The product pairs that consolidated view with an assistant called Charlie, described by the company as an intelligence that monitors markets and personal portfolios, surfaces what matters to the user and answers portfolio questions. The company is explicit that Charlie does not constitute regulated investment advice.
The platform has been in private testing since Q1 2026 and currently tracks more than £10 million of members’ assets. The team is intentionally small — about 10 people — and distributed across London, Barcelona and Porto. New users will be admitted from the UK waitlist in controlled batches to manage onboarding and service quality.
Who are the investors?
The round was led by Daphni, with participation from Outward VC and K Fund. Angel investors include Philippe Gelis, founder of FX platform Kantox, and Gilles BianRosa, who previously served as chief product officer at N26 and Kraken. Those angels bring payments and product experience relevant to consumer finance platforms.
In the announcement, Paul Bazin, Partner at Daphni, said:
The wealth management industry has always been very good at serving its non-digital native clients, but it isn't equipped for the new generation, whose expectations are entirely different. Quartz is the first team we've seen with both the product instincts and the regulatory foundations to serve them properly. André and Mateus understand these expectations deeply, and they're drawing on their experience scaling two of Europe's biggest B2C fintech successes to build the perfect product for these new users.
Daphni’s lead position and the participation of sector-focused VCs and seasoned fintech angels underline investor confidence in teams that combine regulatory positioning with consumer product experience.
If you're researching potential backers in this space:
- Explore our list of fintech venture capital firms in the UK
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Founder perspective
In the announcement, André Silva, Co-founder & CEO at Quartz, said:
Small differences in how your money works compound into enormous differences in how your life goes and that shouldn't be reserved for a small niche of people. Compounding is the most powerful force in finance and we've assembled a 10 people strong team across London, Barcelona and Porto to get millions of people on the right side of it.
Silva co-founded Quartz in 2025 with Mateus Mesquita Alves, the company’s CPO and a former investment product lead at N26. Silva previously led global expansion at Revolut, where he worked on growth across the United States, Latin America and Asia Pacific.
The bigger picture
Quartz sits in a crowded but evolving UK wealthtech landscape where data access, user experience and regulatory compliance are increasingly decisive. The choice to operate as an AISP rather than as an investment adviser lets the startup focus on aggregation and guidance while avoiding the heavier regulatory requirements of providing advice. The £2.8 million pre-seed also reflects continuing interest from fintech investors in consumer wealth products that aim to scale via mobile-first experiences.
As Quartz opens to UK users, its cross‑European team and investor backing position it to test product-market fit quickly; success will depend on retention, the quality of automated guidance and how consumers respond to a non-advisory intelligence in their financial lives. The raise and launch are another data point in the broader trend of startups using regulated data access to build new consumer finance experiences across the UK and Europe.
They've invested in Quartz
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| Investors | Investment Focus | Startup Investments | Round Size | Connect |
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 K Fund( ) Madrid, Spain | ||||
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