Unlike many start-ups, we’ve prioritized developing real solutions over chasing large funding rounds. This approach has led to organic growth through partnerships, particularly during the COVID-19 pandemic. Viktor shared how he co-founded payever with Artur Schaht in 2013 and discussed our modular payment system, our partnership with Santander Consumer Bank, and our early work in embedded finance. He also highlighted our expansion plans and commitment to making digital commerce simple yet flexible