Be Part of Our 5% Founders Circle

We're building something we are incredibly excited about. And guess what? It's something you can be a part of.

We're doing a crowdfunding round to raise some funds. That means you get to ride the rocket with us from the ground up.

Go to Form

Be Part of Our 5% Founders Circle

We're building something we are incredibly excited about. And guess what? It's something you can be a part of.

We're doing a crowdfunding round to raise some funds. That means you get to ride the rocket with us from the ground up.

Have a read below at our reasons for opening SmartHold up for the masses. We're opening on December 1st, 2025. Stay tuned.

Or read more below

Go to Form

The Idea

Problem

Handling payments between parties who don’t fully know or trust each other is stressful, risky, and inefficient. When parties agree to bank transfer, one side fears losing money, while the other fears not getting paid. Banks traditionally do not guarantee protection against direct transfer fraud; once your money is gone, it’s almost impossible to retrieve. Traditional payment solutions to this issue are slow, expensive, and lack transparency, causing uncertainty and financial strain.

Solution

SmartHold is a financial well-being platform using a new third-party verification method. We protect transactions between verified parties with an anti-fraud guarantee, ensuring fairness, control, and peace of mind. By combining automation, verified identity checks, and clear fund tracking, SmartHold creates trust in moments where it’s most needed, helping people live and make payments stress-free.

Market & Growth

In the UK, billions of pounds move every day in projects and transactions where trust is uncertain. As financial technology evolves, individuals and businesses alike are demanding greater transparency, protection, and emotional assurance. SmartHold is positioned at the intersection of fintech and well-being, changing what we know as a tense, risky exchange into a smooth, trusted process.

Business Model

SmartHold earns platform fees from each transaction through a simple processing fee. Together, these average up to 2% of the transaction value, while ensuring full security and legal protection for both parties.

Competition

Traditional banks and legal services are rigid and costly. Emerging fintech competitors typically focus on single sectors and aren’t consumer-facing. SmartHold bridges both worlds: a regulated, technology-driven fraud-prevention platform built for the modern economy, offering legal enforceability, automation, and an experience centred on user trust and financial wellbeing.

Crowdfunding Targets

Up to £100,000 raised, we're pledging to share 1% of annual profits, year on year.

Up to £250,000 raised, we're pledging to share 2.5% of annual profits, year on year.

Up to £350,000 raised, we're pledging to share 3.5% of annual profits, year on year.

Up to £500,000+ raised, we're pledging to share 5% of annual profits, year on year.

Use of Funds

We will enhance automation, expand partnerships with insurers and legal networks, and strengthen our infrastructure to support scale and regulatory excellence. We will fund day-to-day business operations and innovate with the goal of making third-party verification accessible and available for all.

Final Words

Leading to our launch, our ultimate focus is on growth through trust, helping more people and businesses experience secure, transparent, and stress-free financial transactions. We call it financial wellbeing, by SmartHold Technologies, and we invite you along for the journey.