Investly closed a seed round worth PLN 4.2 million. VO2 Ventures became the lead investor, and the round was joined by IPOPEMA Fund Services from the IPOPEMA Group and private investors: Maciej Zientara, Maciej Duda and Michał Jakubowski. The funds are intended to finance the commercial launch of the non-custody platform, the development of integration and compliance, and preparation for expansion in Europe.
Key conclusions
- Investly combines a B2B2C model with non-custodial access to on-chain strategies. The client retains control over the assets, and the advisor receives tools to handle, report and settle the relationship.
- The product layer uses Web3Auth and account abstraction to reduce the need to install an external wallet, save a seed phrase, have a gas token and manually go through several transactions.
- The first product area covers digital dollar strategies. The first commercial implementations with distribution partners are planned for late September/early October 2026.
PLN 4.218 million for commercial launch
The capital raised is to enable the company to move from the product development and validation stage to the first commercial implementations. The financing will be allocated to platform development, integration with infrastructure providers, KYC and AML processes, reporting and further regulatory and licensing preparation in Europe.
The lead investor of the round was VO2 Ventures. The investors also included IPOPEMA Fund Services, Maciej Zientara – founder of Supernova Group, Maciej Duda – founder of Opoka TFI and co-owner of Duda Holding – and Michał Jakubowski.
This round allows us to move on to the first commercial implementations, which we plan for the turn of September and October. In parallel, we develop the product, integrations and compliance. We are building a solution that combines simplicity of use with the client’s full control over his assets.
– Maciej Król, co-founder and board member of Investly
Not another DeFi frontend
The platform combines client onboarding, KYC and AML, creation of a non-custodial account, fiat on-ramp and off-ramp, strategy selection, transaction signing, position monitoring, performance reporting and fee settlement in one process. Distribution takes place in the B2B2C model through financial advisors, wealth managers and family offices.
Web3Auth and account abstraction: what happens underneath the interface
The key UX layer connects Web3Auth – a solution currently being developed as MetaMask Embedded Wallets – with account abstraction mechanisms. These two elements solve different problems: Web3Auth simplifies authentication and key material management, while account abstraction allows you to treat the wallet as a programmable smart contract account.
- Authentication and embedded wallet. The user can start using the platform through a known authentication method, such as email or OAuth login. There is no need to install a separate extension or manage seed phrase directly. In the MPC or threshold cryptography model, the key material is divided among several shares, and Investly does not have the opportunity to sign the transaction on its own.
- Smart account and account abstraction. Instead of a simple EOA, the user uses a programmable smart account. Mechanisms known from ERC-4337 allow you to separate account logic from a single key, support access recovery, combine several smart contract calls into one process and apply more flexible authorization rules.
- Bundler, EntryPoint and sponsored gas. User operations can be submitted as UserOperations, verified and grouped by the bundler, and then executed by the EntryPoint contract. Paymaster can cover network fees so that the user does not need to have ETH or another native token in advance just to perform the first operation.
- Fiat rails. Funding the account is to be done in the same interface – by bank transfer or card, after passing the KYC and AML process. The on-ramp layer converts fiat funds into a digital dollar settlement asset, and the off-ramp handles the return route.
- Enforcement and reporting. After selecting a strategy, the platform prepares a sequence of on-chain operations, presents its economic sense, costs and risks to the user, and then provides monitoring and reporting. The goal is not to hide the risks of the protocol, but to hide unnecessary complexity of operation.
We don’t want the user to start by downloading the wallet, saving the seed phrase, buying a gas token and manually signing several transactions. Account abstraction and Web3Auth allow us to simplify this process without transferring control of the assets to Investly. We simplify the interface, but do not change the non-custodial nature of the solution.
– Bogusz Kończak – co-founder and board member of Investly
Non-custody does not mean no risk
An Embedded wallet is not the same as an escrow account. In the Investly model, the platform does not store the client’s assets in its account and should not be able to unilaterally dispose of them. Authorization remains with the user, even if the technical signing process is hidden behind a simpler interface.
This does not eliminate the risk of smart contracts, oracle, liquidity, stablecoin or the strategy itself. Therefore, with each strategy, the user is to receive information about the mechanism of action, costs, main risks and historical behavior. For a Web3 market audience, this is an important distinction: account abstraction improves the operational security and UX of the wallet, but does not turn DeFi exposure into a bank deposit.
Digital dollar as the first product
The first strategies are to be based on USDC. The team is developing an integration layer for selective access to on-chain lending protocols and income strategies. The protocols analyzed for integration include: Aave, Morpho and Euler.
In practice, Investly is to act as an orchestration layer: responsible for selecting available strategies, preparing transactions, monitoring exposures, calculating fees and reporting. Funds remain in the client’s non-custodial account or in the strategy’s smart contracts, not on Investly’s balance sheet.
Advisors as an on-chain distribution channel
Technology is only one part of the model. The second is distribution by advisors, wealth managers and family offices. The partner is to receive a panel for customer onboarding, portfolio monitoring, reporting and settlement of fees, while the end user retains a direct relationship with the platform and control over the assets.
We start by working with advisors, wealth managers and family offices, because they help clients translate their interest in digital assets into specific decisions. The user does not want to learn the technical mechanisms of the market – he wants to understand what he is investing in, what costs and risks he incurs, and maintain control over his assets. Our job is to hide the complexity without taking away that control.
– Maciej Król, co-founder and board member of Investly
MiCA and compliance as part of the architecture
The company develops the product in the European regulatory environment shaped by MiCA. Compliance is supposed to be an element of the product architecture, not a layer added after the platform is launched. Part of the funds from the round will be allocated to the development of KYC and AML, cooperation with infrastructure providers and obtaining licenses needed for further expansion in Europe.
The first commercial implementations with selected distribution partners are planned for late September/early October 2026. This is when the market will be able to verify whether the combination of embedded wallet, account abstraction, non-custodial execution and advisory distribution channel actually removes entry barriers for customers outside the native Web3.
Why investors chose Investly
Three things convinced us: the team, market need and the right moment. Investly’s founders combine experience in banking and asset management with knowledge of the digital currency market and an international network of contacts. More and more customers are interested in digital assets, but expect the simplicity and standards known from traditional finance.
– Andrzej Ziemiński, president of VO2 Ventures
Web3, alongside AI, is a fundamental technological change. The financial market is doomed to a profound revolution, and Investly is one of the pieces of the new architecture puzzle.
– Maciej Zientara, investor
About Investly
