Creem is positioning itself as financial infrastructure for the next generation of software businesses, targeting founders who can build products rapidly with artificial intelligence but still face complex and fragmented systems when selling those products globally. The company has raised €5 million in seed funding to expand its billing, monetisation and revenue management platform.
Funding and investor backing
The round was led by Inovo VC, with participation from existing investors Practica Capital and Antler. Angel investors included Bolt founder Markus Villig, Ready Player Me founders Timmu Tõke and Kaspar Tiri, Voi’s Adam Jafer, and Viktor.com founder Fryd Wiatrowski.
The latest investment takes Creem’s total funding to €7 million. Several investors in the new round had also supported the company’s pre seed financing in 2025.
Creem was founded by Gabriel Ferraz and Alec Erasmus, both of whom previously worked at Google and Adyen. The company is headquartered in Tallinn, Estonia, and describes its mission as helping lean teams and AI agents sell and grow software businesses globally.
Simplifying global software sales
For small software companies, launching a product is increasingly fast, but building the financial infrastructure required to monetise it can be time consuming. Founders often need to connect separate services for checkout, payment processing, tax compliance, billing, affiliate management, analytics, payouts and customer support.
Creem aims to bring these functions together through a single platform. Its merchant of record model allows the company to manage payments, invoices, taxes, fraud and chargebacks on behalf of software sellers. Creem says its platform supports sales across more than 190 countries, allowing businesses to accept payments in customers’ local currencies and through different payment methods.
Introducing Creem 2.0
The company is now developing Creem 2.0, an expanded version of its platform that goes beyond traditional merchant of record services. Alongside global payments and compliance, the platform includes affiliate management, revenue splits, conversion analytics, marketing channel tracking and abandoned cart recovery.
These tools are intended to help founders manage more of the commercial lifecycle from one system. Businesses can distribute revenue among co founders, affiliates, contractors or other partners, while tracking the performance of marketing links and sales channels.
Creem also supports several pricing models designed for AI products and modern software applications. These include usage based billing, credit wallets, seat based subscriptions, prepaid credits and custom meters. The company’s official product documentation describes credit wallets as a way for customers to purchase prepaid balances that can be reduced according to usage, such as AI generations, API calls, storage or compute time. <Cite refs={“turn0search2″,”turn0search6″”turn0search2″,”turn0search6”} />
Billing managed by people and AI agents
A central feature of Creem 2.0 is its focus on agent operated commerce. The platform is being designed so that founders and AI agents can configure and manage billing functions through APIs, command line tools and an MCP server.
According to Creem, an AI agent can create products, set up checkout flows, manage subscriptions and monitor revenue operations through simple instructions. Agents can also assist with tasks such as identifying failed payments, tracking cancellations, creating discount codes and generating billing portal links.
“Creem lets founders bring whatever agents they want and put them to work running and optimising their store, so revenue can grow without growing headcount,” said Gabriel Ferraz, co founder and CEO of Creem.
Expansion plans
Creem will use the new funding to scale Creem 2.0 and broaden its platform from financial infrastructure into a wider set of growth and revenue tools. Over the next 12 to 18 months, the company plans to strengthen agent operated billing and monetisation, expand affiliate and analytics capabilities, improve marketing attribution and enhance global compliance and payouts across fiat and stablecoin payment rails.
The broader objective is to give small software companies access to the financial, operational and growth infrastructure traditionally available to larger businesses, without requiring them to build and maintain multiple systems themselves.
