In the context of a market worth over 45 billion dollars, Custor positions itself as infrastructure for managing corporate collections. CEO Gianluca Iannotta is betting on a sustainable economic model and on an alliance with Stripe.
In European fintech, where for years valuations, forced growth, and storytelling have dominated, one word has returned to carrying more weight than any other: cash flow. It is neither a trend nor a narrative. It is the line that separates growth from fragility. And it is precisely from here that the new entrepreneurial bet of Gianluca Iannotta begins. Founder and CEO of the London-based holding company Tublat Ltd, Iannotta will launch Custor in 2026, a fintech company designed to address a market worth more than 45 billion dollars a year and that, despite its size, remains surprisingly under-innovated.
Custor is not conceived as yet another payment app, but as a technological infrastructure designed to redesign the way European companies manage collections, credit, and recurring payments. The problem is well known to anyone who runs a business: collecting late or paying dearly to collect earlier. A trade-off that continues to drain liquidity, time, and managerial attention, especially in high-recurring sectors such as services, real estate, education, private healthcare, and professional services.
Iannotta is not an outsider to the ecosystem. In recent years he has built and scaled digital projects across different sectors, maintaining a strongly industrial approach: focus on processes, economic sustainability, and the ability to turn invisible infrastructure into tangible competitive advantages. With Tublat Ltd, he has progressively consolidated this vision, ultimately converging it into Custor, now the holding’s most ambitious project.
At the heart of the platform lies a strategic integration with Stripe, one of the most influential global players in payment infrastructure. The partnership between Custor and Stripe which, according to sources close to the dossier, could translate into potential volumes at a billion-dollar scale allows Custor to operate on the most advanced payment rails on the market, particularly bank direct debits and B2B flows, while maintaining a neutral, scalable, and Europe-oriented approach.
What sets Custor apart from many fintech solutions is its economic model. Use of the platform will be free for companies: no subscription fees, no setup costs, no licenses. Custor monetizes exclusively through a small percentage on collections that are actually successful. A choice that fully aligns the platform’s interests with those of its customers: if the company collects, Custor earns. If it does not collect, it pays nothing.
Behind this apparent simplicity lies a complex technological infrastructure. Custor automates the entire Order-to-Cash cycle from the creation of payment requests to the management of bank mandates, from intelligent reminders to the handling of overdue payments, all the way to accounting reconciliation and advanced reporting. All of this is built with particular attention to European compliance, multi-currency, and multilingual support elements often overlooked by solutions born for the Anglo-Saxon market.
For Iannotta, however, technology is only part of the story. “Behind every invoice there is trust, time, and relationship,” is a concept he has reiterated several times. Reducing days sales outstanding does not only mean improving the balance sheet, but also freeing up operational and mental resources, giving companies back the ability to focus on growth rather than chasing liquidity. In this sense, Custor positions itself as a silent enabler a layer that works beneath the surface of companies, without disrupting their processes, but making them more efficient.
The market seems to have grasped the signal even before the official launch. After the first private presentations and public previews, Custor is said to have attracted the interest of banks and traditional financial operators. According to rumors, in the days that followed, Tublat reportedly received acquisition proposals and hypotheses of strategic joint ventures, confirming how central the theme of intelligent credit management has become even for the European banking system.
The recent change in visual identity also reflects this evolution. Custor has abandoned the purple of its early iterations in favor of green, a color associated with solidity, services, and sustainable growth. A signal of maturity that accompanies the transition from project to infrastructure ready to engage with regulated markets and institutional counterparts.
In a fintech landscape often dominated by hyper-aggressive models and structural dependence on venture capital, Gianluca Iannotta’s approach appears countercurrent. Custor does not promise spectacular revolutions, but measurable efficiency. It does not sell dreams, but time. It does not rely on hype, but on the concrete reduction of collection times and on the structural improvement of cash flow.
If its promises are kept and the alliance with Stripe manages to express its full potential, Custor could become one of the most interesting cases of the next European fintech cycle. Not so much for what it will showcase, but for what it will make possible: more predictable financial flows, healthier commercial relationships, and companies finally free to let their business run at the right pace.
Company Details:
Company name: Tublat ltd
Contact Person: Gianluca Iannotta
Phone: +442035765845
Email: giaiannotta@gmail.com
Website url: https://tublat.com
Country: UK
City: London
Address: 40 Bowling Green Ln, London
EC1R 0NE, Regno Unito