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Xryma Plc Unveils Annual Report for 2025

Xryma Plc, formerly known as ISX Financial EU Plc, has released its Annual Report for the year 2025, underscoring its strong performance in the transactional banking and payment solutions sector. This report highlights the company’s unwavering commitment to innovation and customer-centric solutions. As a leader in the regulated transactional banking space, Xryma continues to thrive, marking its seventh consecutive year of profitability.

Financial Highlights of 2025

Xryma's financial results are indicative of its robust business model and strategic approach. The report reveals an after-tax profit of €17.3 million and total revenues amounting to €53.4 million, which also includes €5 million in other revenues. The company has maintained a solid equity position with shareholders' funds totaling €49 million. The total assets reflect a strong financial foundation at €188.9 million and a net equity of €59.2 million, showcasing Xryma's financial stability and potential for future growth.

Leadership and Strategic Insights

Christakis Taoushanis, the Non-Executive Chairman of Xryma Plc, expressed his satisfaction with the company's performance, stating, "2025 marked another year of profitability for Xryma, reinforcing the strength of our business model and the disciplined execution of our strategy. As a regulated institution, we remain focused on robust governance, prudent risk management, and operational excellence."

CEO John Karantzis echoed these sentiments, emphasizing the company’s commitment to expanding its infrastructure and executing strategic initiatives. He noted, "Our emphasis is on delivering customer-oriented solutions across our organization. By integrating advanced technology and regulatory experience, we are dedicated to supporting our clients in achieving their operational and business goals."

Innovations in Payment Infrastructure

In 2025, Xryma made significant strides by enhancing its payment infrastructure. The company emerged as one of the pioneering non-banking institutions to gain access to the European Central Bank's real-time gross settlement (RTGS) and TARGET Instant Payment Settlement (TIPS) systems. These advancements augment Xryma's existing capabilities for rapid payments in the UK and instant SEPA transactions, enabling efficient fund transfers across major financial markets.

Moreover, Xryma has solidified its leadership in account-to-account (A2A) payments through its flagship open banking platform, PaidBy®. This innovative platform allows instant payments, offering a reliable alternative to traditional card payments with enhanced security and seamless integration.

Cross-Border Payment Capabilities

As part of its ongoing innovation efforts, Xryma has advanced its real-time cross-border A2A payment capabilities. By the second quarter of 2026, this development is set to facilitate next-business-day settlements in over 60 currencies, initiated with payments in euros or British pounds. The integration of TIPS will further enhance this capacity, allowing initiations from Scandinavian currencies that participate in TIPS.

Investment in R&D

During 2025, Xryma invested approximately €3 million in research and development, strengthening its intellectual property portfolio and refining proprietary systems, including flykk®, ISXMoney®, ISXPay®, and Paydentity®. Probanx, Xryma’s software subsidiary, continues to play a pivotal role in system development and implementation, contributing to revenue growth.

Social and Environmental Initiatives

Beyond its impressive financial achievements, Xryma is dedicated to supporting sustainable practices through its We Care initiative, which focuses on environmental and social programs. The company also supports elite athletes and sports organizations through its Dream Big initiative, demonstrating its commitment to corporate responsibility and the long-term well-being of the communities it serves.

Looking Ahead

As it prepares for 2026, Xryma's focus remains sharply defined on expansion, advancing cutting-edge capabilities, and securing more regulatory permissions to enable faster currency interoperability and liquidation cycles. Following the launch of its RTGS and TIPS services, the company anticipates sustained profitability and the introduction of new product offerings. Karantzis remarked, "While we are aware of potential market fluctuations due to regional conflicts, we believe Xryma is well-positioned to continue meeting our strategic priorities."

For a comprehensive overview of Xryma Plc's financial performance and strategic initiatives, access the full 2025 Annual Report on their official website.