Zumo

Zumo is a digital-asset-as-a-service platform with a focus on compliance and sustainability. Founded in Edinburgh in 2017 by Nick Jones and Paul Roach, the company aims to make digital assets accessible and trustworthy. Jones, a tech industry veteran, and Roach were motivated by the potential of blockchain but recognized the complexity and fear preventing mainstream adoption. Their mission evolved from a consumer-focused app to building the core infrastructure that enables financial institutions to offer digital asset services responsibly.

The company's primary offering is Zumo Enterprise, a modular, API-driven platform that allows fintechs, banks, wealth managers, and brands to integrate secure and compliant digital asset products. The platform provides a turnkey solution for services like custody, trading, KYC/AML, and fiat-to-crypto connectivity, specifically designed to align with UK and EU (MiCA) regulations. This allows clients to launch crypto offerings quickly, reduce operational risk, and create new revenue streams without building the technology from scratch. Initially launched as a direct-to-consumer mobile wallet, the Zumo App now serves as a showcase for the underlying B2B infrastructure and is registered with the UK's Financial Conduct Authority (FCA).

A core differentiator for Zumo is its commitment to environmental, social, and governance (ESG) principles. The company is carbon-neutral and has a strategy to achieve net zero by 2030. It developed the 'Oxygen' toolkit, an integrated solution that helps clients measure, mitigate, and report the carbon footprint of their digital asset activities. Zumo is an early signatory of the Crypto Climate Accord and has received funding from Innovate UK, the UK's national innovation agency, to advance its work on decarbonizing the crypto sector.

Since its inception, Zumo has raised a total of $32 million over several funding rounds from investors including Murray Capital and the Scottish Investment Bank. The company actively collaborates with industry bodies and regulators like the World Economic Forum and the OECD to shape sustainability standards in the blockchain industry.

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