KỌFI delivers end-to-end support across payments infrastructure, sales strategy, and AI-powered acquisition — built for SaaS and fintech companies scaling across the UK and EEA.
End-to-end merchant acquiring, PSP matching, PCI compliance, and KỌFI OS onboarding.
LiveSales strategy, CRM, force management, and multi-channel outreach campaigns.
LiveModule 01 of KỌFI OS. Multi-agent prospect research, ICP scoring, and campaign generation at scale.
Freshly brewedMerchant of Record consulting — global tax compliance, liability management, and payment orchestration.
Coming soonXoala EMI — 26 fiat currencies, 8 cryptos, multi-currency IBANs, and instant FX for EEA businesses.
LiveMicro-finance app for fiat and crypto transfers — built for the unbanked and underbanked.
Coming soonKỌFI sponsors Malmö Basketamatörer and the European Women Payments Network — two communities, one mission.
Strategy, payments intel, AI tools, and consultancy insights — straight to your cup.
The European Women Payments Network — fintech news, events, and community updates across UK and EEA.
Tell us what you're working on. We'll tell you how we'd approach it.
Three service lines. One consultancy that's been inside the platforms, the PSPs, and the pipelines — and knows exactly how to navigate them for you.
Sales strategy, outreach systems, CRM, and force management for SaaS and fintech companies entering or scaling across the UK and EEA.
ICP definition, competitor mapping, and opportunity sizing for UK/EEA entry.
End-to-end GTM, messaging frameworks, and realistic revenue targets.
Team structure, playbook development, training, and pipeline management.
Build or audit your CRM. Salesforce, HubSpot, Veeva — your stack, not ours.
A structured multi-channel sequence — built around conditional logic and personalised at every touchpoint.
Personalised email with name, company, and role dynamically inserted. Links to a dedicated landing page.
LinkedIn profile visit, connection invite, and voice note — the highest-converting touchpoint in modern outreach.
WhatsApp and phone call on days 12–15. Breaks the inbox pattern for high-value ICP prospects.
LinkedIn message with a Mutual Action Plan. Signals seriousness and gives the prospect a clear next step.
Final email on day 30. Honest, no-pressure. Often the highest-reply step in the sequence.
Every touchpoint personalised via the Discovery Engine. ICP scoring and first-line generation run automatically.
| Day | Channel | Step | Description |
|---|---|---|---|
| 1 | The Hook | Hyper-personalised email with prospect's name, company, and role inserted. Links to a dedicated landing page built for their industry. | |
| 2 | Profile visit | A deliberate profile view — signals interest without pressure. Creates awareness before the connection request lands. | |
| 3 | Invite | Personalised connection request referencing the email or a specific detail from their profile. Short, relevant, no pitch. | |
| 5 | Signal | If-clicked branch | Conditional logic fires if the prospect clicked the landing page. Tailored follow-up for openers; lighter nudge for non-openers. |
| 6 | Voice note (key!) | 30–60 second voice message via LinkedIn DM. The highest-converting touchpoint in modern B2B outreach. | |
| 12 | Phone | Call task | A direct call. By day 12 the prospect has seen your email, your LinkedIn, and your voice — the call feels warm, not cold. |
| 15 | Pattern interrupt | Brief, informal WhatsApp message. Different channel, different tone. Reserved for high-value ICP prospects. | |
| 20 | MAP offer | Mutual Action Plan message. Signals seriousness, gives the prospect a concrete next step, filters genuine interest. | |
| 30 | Break-up | Final, honest email that closes the sequence. No pressure — just a clean door left open. Often the highest-reply step. |
Built on 10+ years operating inside the payments industry. KỌFI brings that infrastructure expertise to your side of the table — from acquirer matching to live transactions in 12 weeks.
Part of KỌFI OS Module 04. GlobalDatabase API pre-fill, 24/7 support, 80% form automation. Reduces time-to-market significantly.
Regulated Swedish EMI (Finansinspektionen). 26 fiat currencies, 8 cryptocurrencies, multi-currency IBANs, virtual/physical cards, instant FX.
Merchant of Record consulting — global tax compliance, liability management, and payment orchestration for global selling.
Micro-finance app for fiat and crypto transfers. Built for the unbanked — enabling financial access where traditional banking falls short.
Two paths: best-fit referral search or direct vendor onboarding. Both converge at KỌFI Gateway for live processing.
| Module | Component | Logic |
|---|---|---|
| 01Acquisition | Discovery Engine | Matching LogicHyper-personalised campaigns rank top-3 acquirers based on merchant industry, region, and risk profile. |
| 02Intelligence | Pre-Vet Form | Discovery ModeCaptures KYC, KYB, and AML data cross-referenced with GlobalDatabase.com. Validates pricing against risk appetite. |
| 03Processing | KỌFI Gateway | Dynamic SelectionMerchant selects from top-3 PSPs by match score. Smart routing orchestrates transaction selection and live processing. |
| 04Onboarding | 4-Tier Portal | Self-ServiceTier 1 (manual CSV) to Tiers 2–4 with GlobalDatabase API 80% pre-fill and CRM write-back (Salesforce, HubSpot, Veeva). |
| 05Implementation | MAP | Collaborative12–24 week rollout. KPI target: 70–75% admin reduction. GDPR, SOC 2, data residency (Frankfurt for EMEA). |
| 06Pro Services | GTM & RevOps | Managed ServiceGTM engineering and RevOps to deploy and host the full solution for enterprise PSPs and acquirers. |
| Module | Component | Logic |
|---|---|---|
| 01Acquisition | Discovery Engine | Direct EntryVendor bypasses matching logic to input a specific merchant directly into a pre-selected PSP flow. |
| 02Intelligence | Pre-Vet Form | Validation ModeValidates specific pricing models against merchant's uploaded processing statements. Confirms commercial fit before commitment. |
| 03Processing | KỌFI Gateway | Fixed RoutingTransactions hard-coded to route through vendor's primary PSP or acquirer for stability and predictability. |
| 04Onboarding | 4-Tier Portal | Assisted SyncVendor initiates API pull (Tier 2/3) to pre-fill form on merchant's behalf for signature. Reduces merchant friction significantly. |
| 05Implementation | MAP | Milestone-LedVendor acts as Project Sponsor driving the merchant through 12-week go-live with clear milestone accountability. |
| 06Pro Services | GTM & RevOps | Managed ServiceSpecialist deployment and hosting for PSPs or acquirers requiring white-label or turnkey implementation. |
PSP selection, compliance, chargeback management, rate negotiation, and regulatory readiness. We've been inside the platforms — we know what they're not telling you.
Unbiased shortlisting and rate negotiation. We work for you, not the PSP.
Gap analysis, remediation roadmap, and Level 1 certification support.
Dispute handling, prevention tools, and acquirer negotiation to protect revenue.
PSD2, SCA, Open Banking, and SEPA compliance across UK and EEA markets.
Apple Pay, Google Pay, open banking, BNPL, and local payment methods — mapped to your customer base.
Tell us your challenge. We'll tell you how we'd solve it.
KỌFI OS is a multi-agent operating system — each module operates independently. Module 01 is the Discovery Engine: batch prospecting, ICP scoring, and hyper-personalised campaign generation at scale.
The Discovery Engine ingests a list of targets, runs ICP scoring, prospect research, and personalised messaging generation — simultaneously across every row.
Each module in KỌFI OS operates independently as its own agent. Discovery Engine feeds directly into Intelligence (Module 02), which feeds into KỌFI Gateway (Module 03). No manual handoffs. Export to .csv or .xlsx at any stage.
The AI Campaign Builder takes a brief and generates a full outreach campaign — ICP-matched messaging, personalised subject lines, multi-channel copy, and follow-up sequences.
Hyper-personalised landing pages generated per prospect, with name, company, and job title dynamically inserted via URL parameters. One brief. Infinite variations.
ICP, message, tone
AI writes per prospect
Push to your tool
Feed 500 companies. Get ICP scores, summaries, and personalised openers back in minutes.
Generate bespoke subject lines and first-line openers at scale. Every message feels individual.
Summarise CRM exports, surface risks, and generate health reports without touching a dashboard.
Batch-research competitors, pricing pages, and product changes without a research team.
Automate merchant screening, risk scoring, and pre-vet data collection for KỌFI OS.
Hyper-personalised landing pages per prospect from a single brief and contact list.
Deploy a private, offline AI instance on your own hardware — trained on your data, accessible to your customers, with zero cloud dependency. Businesses become publishers of their own AI experience. See in Solutions →
KỌFI built a hyper-personalised voter outreach platform for a Malmö political party ahead of Valet 2026 — demonstrating exactly what the Discovery Engine can do, applied to political campaigning at scale.
Every voter receives a personalised landing page with their name, neighbourhood, and top policy issues dynamically inserted via URL parameters. The platform uses candidate matching logic, neighbourhood-level insights, and conditional branching — all generated from structured data, zero manual effort per voter.
Discovery Engine is in beta. Be first through the door.
Products and tools built by KỌFI — from beta to coming soon. Each one solves a specific gap in the payments and sales infrastructure stack.
Batch AI prospecting. Import a list of companies or contacts, run your prompt across every row simultaneously, and export clean ICP scores, summaries, and personalised openers to .csv or .xlsx.
The core processing engine of KỌFI OS. Smart routing orchestrates PSP selection and live transaction processing across the referral and direct onboarding paths.
A micro-finance app for fiat and crypto transfers. Built for the unbanked and underbanked — enabling access to financial services that might otherwise be unavailable.
Full Merchant of Record consulting service. KỌFI acts as the legal entity of record for your transactions — handling global tax compliance, liability management, and payment orchestration so you can sell globally without the complexity.
KỌFI OS is a multi-agent operating system designed to eliminate manual friction between merchant prospecting and live transaction processing. Each module operates independently as its own agent — and connects seamlessly to the next.
Discovery Engine — hyper-personalised campaigns rank top-3 acquirers based on merchant industry, region, and risk profile.
Pre-Vet Form captures KYC, KYB, and AML data cross-referenced with GlobalDatabase. Validates pricing against risk appetite.
KỌFI Gateway — smart routing orchestrates PSP selection and live transaction processing across all payment methods.
4-Tier Portal scales from manual CSV to API-driven 80% pre-fill with direct CRM write-back to Salesforce, HubSpot, or Veeva.
Mutual Action Plan — 12–24 week structured rollout targeting 70–75% reduction in admin burden. GDPR and SOC 2 compliant.
GTM engineering and RevOps — specialist deployment and hosting of the full KỌFI OS for enterprise PSPs and acquirers.
KỌFI deploys a dedicated local AI instance on your own infrastructure — giving your business a private, offline AI experience trained on your own data. No data leaves your environment. No cloud dependency. No latency.
Businesses become publishers of their own AI experience — giving customers, staff, or consumers a dedicated Claude or open-source LLM experience that works entirely on local or offline data. The same intelligence, entirely under your control and integrated with your existing CRM or database.
A retailer deploys a local AI on their product catalogue. Staff and customers get instant, accurate answers — no internet required, no data shared.
A media company or journal deploys a local LLM trained on their archive. Readers get an AI that knows only their content — a true publisher experience.
Finance, healthcare, and legal teams run AI inference entirely on-premises. No API calls. No cloud. Full GDPR and SOC 2 compliance by design.
How KỌFI applies AI, payments expertise, and outreach strategy in the real world — and what others can learn from it.
KỌFI actively sponsors Malmö Basketamatörer and the European Women Payments Network — two communities, one mission.
MBA has been promoted to Herr div 2 and will compete in both Div 2 and Div 3 next season — a growing club with real visibility across Skåne. Four sponsorship packages, all available over a 2-year term.
EWPN is a not-for-profit building community for women in finance, cards, fintech, and payments across Europe. Lanre serves as Swedish Country Ambassador and Male Allyship Co-ordinator.
KỌFI supports EWPN through newsletter distribution, event sponsorship, and the Male Allyship programme — creating space for meaningful industry conversations.
Reach EWPN's community of women in payments and fintech across Europe.
Brand visibility at EWPN events and roundtables with senior fintech professionals.
Support men actively advocating for gender equity in payments and fintech.
A team of experienced consultants, developers, and marketers helping businesses reach their full potential across the UK and EEA.
Principal consultant and founder of KỌFI. Specialist in payments infrastructure, sales strategy, and market entry across the UK and EEA. Currently B2B Sales Manager at Xoala, a regulated Swedish EMI.
Swedish Country Ambassador and Male Allyship Co-ordinator, EWPN. BSc Computer Science, University of Bedfordshire.
Marketing and operations lead at KỌFI. Focused on e-commerce optimisation, software integration, and ensuring commercial strategy is backed by operational precision.
Principal consultant at The Hopkins Method. Former professional skateboarder. Brings a creative discipline to everything he builds.
All about keeping it chill. React Native, Ruby on Rails, and Next.js. The technical backbone behind KỌFI OS and the KỌFI platform.
Inner martial artist. Clears the mind on long walks.
Tell us what you're working on. We'll handle the rest.
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