ISX Financial EU Plc (ISXX), a leading provider of regulated transactional banking and real-time payment solutions, announced its unaudited H1 2025 financial results for the six months ended 30 June 2025. ISXX delivered profitable growth, improved capital strength, and continued commercial momentum across its core offerings.

"The first half of 2025 demonstrated the strength and scalability of our business model. Despite a dynamic market environment, we grew profitably while investing in our platform and people," said Ajay Treon, Chief Financial Officer, ISXX.

"Our strategic focus on lower-cost, instant interbank payments continues to resonate with customers, and our financial discipline ensures we are well-positioned for long-term growth. We enter the second half of the year with strong momentum, robust liquidity, and a clear strategy for continued innovation and operational scale."

ISXX's revenue growth was driven by expanding demand from new and existing customers, particularly in open banking payment solutions. ISXX continues to shift away from traditional card acquiring toward more efficient, real-time account-to-account (A2A) payments via its proprietary PaidBy® product.

The modest increase in operating expenses was primarily due to investment in headcount and IT infrastructure. ISXX also recognised a €0.9 million fair value gain on its NSX investment, while maintaining lower impairment levels.

ISXX's balance sheet remains strong. ISXX reported higher cash and investment balances and reduced customer fund liabilities. These improvements contributed to a stronger capital base and enhanced operational flexibility.

ISXX continues to invest in core technology and compliance infrastructure to support scalable growth across Europe and global markets. In H2 2025, ISXX plans to expand its central bank connectivity, enhance its instant payment capabilities, and further strengthen its regulatory posture ahead of PSD3, FIDA, and DORA frameworks.