Santander-backed venture firm Mouro Capital has closed its third fund at $400 million, signaling a clear bet on the convergence of AI, blockchain and next‑generation financial infrastructure.
The London-based investor says the new vehicle will target startups operating at the intersection of AI, capital markets, wealth management and blockchain — essentially companies rebuilding payments, lending, insurance, compliance and core banking rails around software and automation. Santander’s continued support pushes Mouro’s total capital under management above $1 billion since the firm launched in 2015, according to Vestbee.
This fund isn’t vague futurism. Tech Funding News reports Mouro has already deployed capital into seven companies from the new pool, including ElevenLabs and Sakana AI, and is explicitly hunting AI-native interfaces, stablecoins and decentralized finance as foundational pieces of the next financial stack. Mouro’s own portfolio includes M^ZERO, described as “decentralised stablecoin infrastructure that enables institutions to seamlessly transfer value,” underscoring that the firm is willing to back crypto plumbing — not just AI-wrapped fintech.
Industry watchers say the thesis is practical: as advisory, compliance and trading workflows become machine-assisted, the systems that move value and verify identity must be programmable and composable too. Pathfounders notes Mouro is focused on governance, risk and compliance, capital markets, wealth management, payments infrastructure and stablecoins — areas where AI-driven interfaces and blockchain-based settlement layers meet.
The wider funding picture bolsters that view. Catena Labs recently closed an $18 million seed round led by a16z Crypto to build what it calls the first fully regulated AI-native financial institution (contrary to some earlier reports that cited $30 million). Accel led a $75 million Series A for Viktor — an “AI coworker” that plugs into Slack and Microsoft Teams — after the startup reached a reported $15 million revenue run rate in just 10 weeks.
Taken together, Mouro’s $400 million close reads less like a routine fundraise and more like an institutional vote of confidence: the next wave of serious fintech winners will likely sit where AI automation, digital‑asset infrastructure and regulated financial distribution overlap. For crypto-focused builders, that intersection is becoming a primary addressable market.
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