#Cyprus #Financial Services #Nicosia #Xryma Plc #Banking SaaS

Overview of Xryma Plc's 2025 Annual Report

Xryma Plc, formerly known as ISX Financial EU Plc, has recently published its Annual Report for the year 2025, presenting a detailed account of the company's financial performance and strategic direction. As a prominent player in regulated transactional banking services, real-time payment solutions, and Banking SaaS, Xryma continues to solidify its position within the financial sector.

Financial Highlights of 2025

Reflecting on a successful fiscal year, Xryma has achieved significant milestones:

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

These figures not only illustrate a prosperous year but mark Xryma’s seventh consecutive year of profitability, emphasizing the resilience of its business model and disciplined execution of corporate strategies.

Leadership Insights

Christakis Taoushanis, the Non-Executive Chairman of Xryma Plc, expressed pride in presenting the positive results of 2025. He stated, “This year has underscored the strength of our business model and the commitment of our employees.” Acknowledging the dynamic nature of the financial landscape, he emphasized the board's focus on robust governance, prudent risk management, and compliance standards.

John Karantzis, the Group CEO, attributed the year’s success to strategic infrastructure enhancements and the consistent efforts of the team in maintaining strong economic momentum. He reiterated the company's commitment to customer-centric solutions, blending technological expertise with regulatory knowledge and infrastructure investment.

Advancements in Payment Infrastructure

In 2025, Xryma expanded its payment infrastructure significantly. It became one of the first non-bank institutions integrated into the European Central Bank's T2 Real-Time Gross Settlement and TARGET Instant Payment Settlement systems. This integration boosts Xryma's capacity for faster payments, ensuring direct transfers of central bank money across prominent financial markets.

The company continues to excel in Account-to-Account (A2A) payments through its leading Open Banking platform PaidBy®, providing an innovative alternative to traditional contactless card payments. The platform ensures quick settlement, enhanced security, and seamless integration, further entrenching Xryma’s industry leadership.

Ahead of Q2 2026, Xryma is poised to advance genuine cross-border A2A capabilities, enabling next-business-day settlements in over 60 currencies. By leveraging instant payment initiations in both Euro and Pound Sterling, the company aims to enhance its service offerings through completed integration with TIPS.

Investment in Future Technologies

Throughout the year, Xryma invested approximately €3 million in research and development, focusing on fortifying its intellectual property portfolio and enhancing proprietary systems such as flykk®, ISXMoney®, ISXPay®, and Paydentity®. The software subsidiary, Probanx, plays a vital role in product development and system optimization, contributing significantly to revenue growth.

Further, Xryma has made strides towards obtaining public listing by preparing its shares for trading on a preferred exchange, marking a vital strategic goal.

The company also increased its stake in BeEmotion AI SA while exiting from its long-standing involvement with the National Stock Exchange of Australia (NSX) during a recent acquisition by CNSX Global Markets Inc.

Corporate Social Responsibility Initiatives

Beyond financial achievements, Xryma remains committed to social responsibility through initiatives like “We Care,” supporting environmental and social programs, and “Dream Big,” where the company aids elite athletes and sports organizations. These programs reflect Xryma's belief in aligning long-term corporate success with community welfare.

Looking Ahead to 2026

As Xryma moves into 2026, the focus remains clear on preparing for scalability, investing in next-gen capabilities, obtaining further regulatory approvals, and enhancing currency interoperability with faster settlement cycles. The upcoming year is expected to be marked by sustained profitability and the introduction of innovative products aimed at supporting growth post-IPO. Despite potential challenges from regional tensions and global market conditions, Xryma is well-positioned to realize its strategic ambitions.

For readers interested in the comprehensive details of Xryma’s performance and insights, the complete 2025 Annual Report is available on the company’s website.

Conclusion

Xryma Plc has showcased remarkable growth and operational success over the past year, establishing itself as a frontrunner in the banking technology sector. The company’s strategic direction and commitment to innovation suggest a promising future as it prepares for further advancements in financial services.