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Xryma Plc's Annual Report 2025 Highlights

NICOSIA, Cyprus, May 1, 2026 – Xryma Plc, formerly known as ISX Financial EU Plc, has officially released its annual report for 2025. This document details the company's financial performance, strategic direction, and operational achievements from the past year.

2025 was a remarkable year, marking the seventh consecutive year of profitability for Xryma, a testament to the resilience of its business model and disciplined execution. The company reaffirms its leading position in the banking technology and payments sector.

Financial Highlights of 2025

• - Net Profit: €17.3 million
• - Total Revenue: €53.4 million (including €5 million from other sources)
• - Equity: €49.0 million
• - Total Assets: €188.9 million
• - Total Net Equity: €59.2 million

In presenting this report, Xryma's Non-Executive Chairman, Christakis Taoushanis, expressed pride over the company's performance, noting that the year demonstrated the strength of Xryma's business model and the caliber of its personnel. He underscored the board's commitment to robust governance, prudent risk management, and operational resilience in the face of a rapidly evolving financial landscape.

Strategic Focus and Developments

CEO John Karantzis highlighted how 2025 was defined by infrastructure expansion and strategic execution, thanks to the dedication of Xryma's team toward client satisfaction. The company is focused on delivering customer-centric solutions across the business.

Notably, in 2025, Xryma significantly advanced its payment infrastructure, becoming one of the first non-banking institutions with access to the European Central Bank's T2 Real-Time Gross Settlement (RTGS) and TARGET Instant Payment Settlement (TIPS) systems. This accomplishment enhances Xryma’s capabilities in fast payments within the UK and instant payments in the SEPA area, facilitating direct transfers of central bank money across key financial markets.

The firm also maintained its leadership position in Account-to-Account (A2A) payments through its flagship Open Banking platform, PaidBy®. The integration of real-time and faster payment capabilities, combined with connections to central banks, provides a compelling alternative to traditional remote card payments, boasting instant settlement, enhanced security, and seamless integration.

Xryma made substantial strides in developing international A2A capabilities and anticipates offering next-day settlement in over 60 currencies by Q2 2026, initiated through euro or pound sterling A2A payments. Completion of the TIPS integration is expected to extend these capabilities further, allowing initiation from participating Scandinavian currencies.

Investments in Technology

In 2025, Xryma invested approximately €3 million in research and development, bolstering its intellectual property portfolio and enhancing its proprietary systems, including flykk®, ISXMoney®, ISXPay®, and Paydentity®. The software subsidiary, Probanx, continued to play a pivotal role in product development and deployment, contributing to revenue growth.

Moreover, the company progressed in fulfilling preliminary requirements for its planned stock market listing, highlighting this as a crucial strategic goal.

In alignment with its broader strategic objectives, Xryma amplified its investment in BeEmotion AI SA and successfully divested from the National Stock Exchange of Australia (NSX) as part of an arrangement for CNSX Global Markets Inc. to acquire NSX entirely.

Commitment to Social Responsibility

Beyond its financial successes, Xryma remains dedicated to supporting environmental and social programs through its We Care initiative and the Dream Big initiative, which aids elite athletes and sports organizations. The company believes that its long-term success is closely linked to the well-being of the communities in which it operates.

Looking Ahead to 2026

Looking ahead, CEO John Karantzis reiterated that Xryma's primary objectives for 2026 include preparing for expansion, investing in next-generation capabilities, obtaining additional regulatory approvals, and enhancing currency interoperability with faster settlement cycles. Following the introduction of RTGS and TIPS services, the company anticipates another profitable year characterized by new product launches. Xryma is committed to navigating potential market challenges and remains well-positioned to implement its strategic priorities.

For further details, please consult the full 2025 annual report or visit Xryma's website.