Causa Prima

Causa Prima is a fintech building what it calls the first agent to agent network for business to business finance, a shared layer where AI agents acting for a buyer and a supplier negotiate and settle invoices, disputes, and payment terms with each other directly, in real time. Founded in 2026 with offices in Madrid and Munich, it emerged from stealth in June 2026 with a ten million dollar pre seed round led by Creandum, an early backer of Klarna and Spotify, alongside Kfund, HelloWorld, and angels from Qonto, SAP, ING, and DeepMind. The founding team carries unusual pedigree for the space: Maex Ament co founded Taulia and invented dynamic discounting, Henrik Gebbing co founded the crypto custodian Finoa, and Philip Stanislaus led hundreds of enterprise security audits.

The core insight is that accounts payable and accounts receivable tools were each built for one side of a transaction and for human processing speeds, so the friction lives in the gap between two companies' systems. Causa Prima puts a shared network in that gap, letting each side's agents autonomously handle invoice approvals, resolve disputes, and negotiate payment timing, with the ambition of retiring fixed net thirty, sixty, and ninety day terms once agents can settle instantly. The company describes its agents as self organizing and explainable, using causal graph techniques to keep decisions transparent, and it reports more than three thousand active accounts already using the network.

As a pre seed company only just out of stealth, Causa Prima is very early: its security, deployment, model, and developer surfaces are not yet publicly detailed, and the two sided network model depends on adoption by both buyers and suppliers to deliver its full value. What it has is a credible team that previously built payment rails used by millions of suppliers, and a clear thesis that agent to agent commerce needs its own infrastructure. For a finance team that wants to automate the back and forth of invoices and payments with counterparties rather than just inside its own walls, Causa Prima is an early bet worth watching; a team wanting a proven, standalone AP or AR tool today will want something more established.