Porters

Porters is an AI native banking operations company founded in 2025 in Switzerland by Konstantin Kotulla, Christopher Barth, and Michael John, and backed by a two point seven million euro pre seed round led by Earlybird with Seedcamp and fintech angels. It targets the operational machinery underneath banking products, the back office work that rarely gets attention but dictates day to day reality inside banks and fintechs, and that is still heavily dependent on manual sorting, email driven handling, and slow approval chains. Its thesis is that the next wave of fintech efficiency comes from rebuilding that operational backbone rather than adding front end products.

The initial focus is high volume, time sensitive regulated processes where delays or inconsistency turn quickly into compliance exposure and financial loss: account seizures, chargebacks, and insolvency coordination. Porters describes agentic account seizure handling as a structured workflow: triage inboxes and classify case types such as seizure, restriction, or request for information; extract key data and store files securely; create, process, and track cases through their lifecycle in a case ledger; apply fine tuned automated decisions based on internal risk rules and regulatory requirements; pass through a human in the loop step; then trigger banking actions like account blockage or payments, generate reporting such as third party declarations, and send follow up requests to third parties automatically. The system continuously learns from past cases to improve decisioning, claims to process seizures around the clock to remove backlogs, and is built for Pan European regulatory coverage, with human oversight designed in so that regulated processes are not treated like ordinary support tickets and teams focus on exceptions rather than repetitive processing.

Porters fits European banks and fintechs that need to automate compliance heavy back office workflows with traceability and human supervision. As an early stage company with a narrow initial workflow it is a weaker fit for buyers needing broad process coverage, published pricing, documented certifications, or a developer platform, and this record is intentionally lean given limited public detail.