档案库 · 金融科技 · 战略决策 · 2016–2026
Form3押注即时支付新规迫使银行更换基础设施
伦敦云支付公司押注欧盟即时支付新规将迫使银行弃用旧系统；已融资2.2亿美元；合规服务实现产品化。
Form3
做的是什么生意
Provides banks and fintech companies with a cloud-native account-to-account payments platform: one API connects to UK/EU/US clearing and instant payment systems, and it hosts compliance functions such as Verification of Payee and sanctions screening.
启动资金：Cumulative equity financing of about $220M plus €23M of venture debt: 2021-09 Series C $160M (led by Goldman Sachs), 2022-11 €23M venture debt (Atempo Growth), 2024-09 Series C extension $60M (British Patient Capital joined as a new investor, with existing shareholders including Visa following).
起因
Founded in 2016 by four founders with banking and technology backgrounds, moving payments infrastructure from expensive legacy mainframes to a cloud-native SaaS model; in 2021 it was certified by Pay.UK as a Faster Payments aggregator and partnered with Mastercard's PayPort+, with expectations that year to process a large share of UK Faster Payments transaction volume. The founding team's core judgment was that real-time payments are a direction pushed by both regulators and users, while banks' self-built systems cannot keep up.
经过
Received a $160M Series C in 2021-09 (led by Goldman Sachs, with Lloyds, Nationwide, Barclays, Mastercard, 83North, and Draper Esprit participating), raised another €23M of venture debt in 2022-11, passed FedNow service certification from the US Federal Reserve (美联储) in 2023-07 (having participated in the pilot since 2022-07), and completed a $60M Series C extension in 2024-09 (British Patient Capital joined as a new investor, with Visa and others following). After the EU Instant Payments Regulation (2024/886) took effect on 2024-04-08, Form3 turned VoP into a hosted product: IFX Payments and PingPong went live one after another in 2025-06, ahead of the 2025-10 VoP plan of the European Payments Council (欧洲支付理事会).
结果
Still operating and benefiting from regulatory tailwinds: after the VoP obligations under EU IPR took effect in 2025-10, Dutch payments company Mollie also became a Form3 VoP customer in 2026-01; the customer list expanded to Klarna, GoCardless, SumUp, Barclays, JP Morgan, and Lloyds. The company says the platform also helps customers meet DORA operational resilience requirements, and it won multiple payments industry awards in 2025.
背景
Form3成立于2016年伦敦，押注监管机构强制即时和可验证支付；旧系统无法应对。欧盟IPR（2024/886）要求欧元区到2025年1月接收，发送和VoP到2025年10月，非欧元区到2027年。截止日期创造销售窗口。
Form3提供托管合规：一个API连接Faster Payments、SEPA Instant、FedNow；VoP和制裁作为托管模块。融资：1.6亿美元C轮（2021年），2300万欧元债务（2022年），FedNow认证（2023年），6000万美元扩展（2024年）。
监管红利兑现：IFX和PingPong采用VoP（2025年6月），Mollie（2026年1月）。客户包括Klarna、巴克莱、摩根大通。支持DORA。
这件事要成立，得有什么
- IPR截止日期迫使银行在2025-2027年前实施即时转账和VoP；采购是强制性的。
- Form3将VoP和制裁筛查产品化为托管模块，使合规更快。
- 融资与监管里程碑同步：2021年C轮、2022年债务、2023年FedNow、2024年扩展。
- 客户群涵盖一级银行和金融科技，显示广泛的监管需求。
可借鉴之处
监管截止日期创造销售窗口；Form3将合规产品化为托管模块，实现监管驱动的SaaS规模化。
后续进展
截至2026年9月1日，Form3仍在运营。EPC的VoP于2025年10月生效；Form3的VoP被IFX、PingPong（2025年6月）和Mollie（2026年1月）采用。客户包括Klarna、GoCardless、SumUp、巴克莱、摩根大通、劳埃德。支持DORA。获2025年奖项。收入未披露；股权约2.2亿美元，另有2300万欧元债务。
资料来源
- Instant Payments Regulation
- UK FinTech Form3 Nets $160M In Series C Round
- Form3 secures EUR23 million funding to continue exponential growth journey
- Form3 completes FedNow Service certification
- Form3 Successfully Completes $60m Series C Extension, with New Investment from British Patient Capital and Existing Shareholders
- IFX Payments selects Form3 for Verification of Payee solution ahead of Instant Payments Regulation mandate
- Mollie becomes Form3's client
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