Hugo Remi, Founder of Remi & Family Office

Hugo RemiOct 2, 2026

We're proud to announce Cardaq as Platinum Sponsor of Financial Crime 360. ‼️ At Financial Crime 360, Cardaq CEO Hugo Rémi Remi takes the Show Floor Theatre with Beyond the UBO: Who Really Owns Britain's Financial Institutions? What you'll take away: 🔹 How to assess the true source of wealth and source of funds behind a firm's owners and controllers 🔹 Why corporate structures, loan agreements and proof of funds are no substitute for genuine economic substance Established in 2011, Cardaq is a cards and acquiring company providing acquiring solutions for businesses in low and medium-risk sectors. Its automated technology helps businesses accept and process payments globally. Cardaq has been a Principal Member of Visa, Mastercard and China UnionPay since 2019. Find out more about Cardaq: https://cardaq.com/ To attend this session and the other free-to-attend sessions on our show floor, register here: https://lnkd.in/exm9zU4H #FinancialCrime360 #FinancialCrime #Payments

Hugo RemiOct 2, 2026

We're proud to announce Cardaq as Platinum Sponsor of Financial Crime 360. ‼️ At Financial Crime 360, Cardaq CEO Hugo Rémi Remi takes the Show Floor Theatre with Beyond the UBO: Who Really Owns Britain's Financial Institutions? What you'll take away: 🔹 How to assess the true source of wealth and source of funds behind a firm's owners and controllers 🔹 Why corporate structures, loan agreements and proof of funds are no substitute for genuine economic substance Established in 2011, Cardaq is a cards and acquiring company providing acquiring solutions for businesses in low and medium-risk sectors. Its automated technology helps businesses accept and process payments globally. Cardaq has been a Principal Member of Visa, Mastercard and China UnionPay since 2019. Find out more about Cardaq: https://cardaq.com/ To attend this session and the other free-to-attend sessions on our show floor, register here: https://lnkd.in/exm9zU4H #FinancialCrime360 #FinancialCrime #Payments

Hugo RemiOct 1, 2026

Money is evolving. Financial software needs to catch up. Businesses are working with an increasingly diverse mix of currencies and financial assets. GBP and EUR can sit alongside USD, stablecoins and other digital assets as companies expand into new markets and new ways of moving value become part of everyday financial operations. I’m Hugo Rémi, CEO of Cardaq & Teido, and this is an important part of how we’re thinking about the future of Teido. As the financial ecosystem expands, businesses need software that can support different forms of value within the same environment. Teams still need a clear view of their financial position, liquidity, transactions and treasury operations across everything they manage. With Teido, we’re working towards a unified financial environment where fiat currencies and digital assets can be managed within the same infrastructure and reflected within one connected financial state. The goal is to give businesses a simpler way to expand their financial operations as new currencies, rails and assets become relevant to them. The way businesses move and manage money will continue to evolve, and we’re building Teido with that future in mind. Hugo Rémi CEO of Cardaq & Teido

Hugo RemiOct 1, 2026

There is more than one way to measure the success of a fintech company. 🇬🇧 Revenue is one. Profit is another. But I think there is a third measure that gets much less attention: What does the company actually contribute to the economy in which it operates? Recently, I looked at the latest available accounts of several companies operating in broadly comparable parts of the UK payments market. I’m deliberately not naming them. This isn’t about criticising competitors, and different companies have different business models, structures, investment cycles and reporting periods. So, for this exercise, let’s call them: 💬 Atlas. 💬 Beacon. 💬 Cedar. 💬 Delta. 💬 Ember. 💬 Falcon. And then there is Cardaq. The numbers gave me something to think about. Across this peer group, the corporation-tax charges in the latest accounts available were approximately: 🇬🇧 Cardaq — £4.20m 🏴 Atlas — £2.15m 🏴 Beacon — £1.95m 🏴 Cedar — £1.41m 🏴 Delta — £0.45m 🏴 Ember — £0.26m 🏴 Falcon — £0.17m 🏴 Atlas is based on FY2024 because that was the comparable account period available in the dataset. But tax is only part of the story. Businesses contribute through employment, salaries, employer National Insurance, PAYE generated through employment, VAT, suppliers, technology investment, offices, professional services and the capital they continue to invest in the country. And our statutory accounts separately identify overseas support personnel, which is important because I don’t want to pretend every employee appearing in a UK company’s accounts automatically represents a UK job. So I’m not going to manufacture a headline claiming that Cardaq creates more UK jobs than everybody else. The data doesn’t support that. What it does support is something I’m proud of. Cardaq has grown into a profitable, UK-headquartered regulated financial institution while maintaining a meaningful workforce, investing in technology and infrastructure, and generating a significant corporation-tax contribution in the UK. And this is happening while we continue to invest heavily in compliance, risk, technology, people and new infrastructure. Could we structure everything differently? - Probably. Could we optimise every number until the UK operating company showed very little profit?- There are many perfectly legitimate ways international groups organise themselves. I want Cardaq to build here.If we benefit from operating in Britain — its financial ecosystem, talent, legal system, infrastructure and access to global markets — then I believe creating employment, investing here and paying the taxes legitimately due here are part of the same relationship. I’m proud of that. And we’re only getting started. 🇬🇧Build here. Employ here. Invest here. Contribute here. #Cardaq #FinTech #UKBusiness #Payments #FinancialServices #Entrepreneurship #BuildingInBritain #remi #hugoremi #teido #ixxov #fca #hmrc #nca #london #unitedkingdom #finance #visa #mastercard #unionpay

Hugo RemiOct 1, 2026

Recently we shared that Cardaq is entering its next phase of growth. As the business evolves, that next phase also means becoming more focused about where we invest, how we operate and where we see the strongest opportunities for long-term growth. Over the coming years, our international strategy will continue to build on our established UK presence, while progressing our expansion into Canada and Australia. These markets will remain key priorities for the continued development of our presence, capabilities and operations. As part of this focus, we are also evolving the way we operate. Soon we will complete the transition from our physical office in Riga to a more flexible operating model, while further strengthening our UK-based operations. While the Riga office will close, our team will continue working as part of Cardaq. This is a natural step in building the business for its next stage - creating a structure that better reflects our growth priorities and supports our long-term international strategy. As our CEO, Hugo Rémi, says: “Building a business is a continuous process. As Cardaq grows internationally, we need to make sure our organisation evolves with it - investing in our people, our technology and the markets that matter most to our future.”

Hugo RemiSep 30, 2026

One issuer. A card for every possibility. 💳 🇬🇧 A company rarely needs just one card. It needs a card for each thing it does: paying staff, fuelling a fleet, rewarding customers, handling travel and FX, and, more and more, spending digital assets. Thats why we built one of the broadest card ranges in the market. Cardaq offers 90+ card programmes across 13 categories: 🔹 Consumer, Business, Corporate and Government: debit, credit, charge and prepaid, physical and virtual 🔹 Fleet and EV charging, Transit and Travel: cards for mobility and cross-border spending 🔹 Payroll, Benefits, Healthcare, Gift and Loyalty: each built for a specific kind of spending 🔹 Crypto, Stablecoin and Web3: were also registered with FINTRAC in Canada for virtual currency 🔹 Digital first: virtual, single-use, tokenised and dynamic CVV cards Every tier runs from Standard to Ultra Premium, on both Visa and Mastercard, as a Principal Member of both schemes. You can choose any funding model: debit, prepaid, credit, charge or hybrid.You can also design your own card in a few clicks with the Cardaq Card Builder. Weve been issuing since 2011. Whether youre launching your first programme or moving an existing one, wed love to hear what youre building. 👉 Swipe through to see the full range, and get in touch at cardaq.com (sales@cardaq.com and info@cardaq.com) 🇬🇧🏴󠁧󠁢󠁥󠁮󠁧󠁿 🤝 #Cardaq #CardIssuing #Payments #Fintech #Visa #Mastercard #EmbeddedFinance #CorporateCards #CryptoCards #BaaS #london #unitedkingdom #teido #unionpay #chinaunionpay #remi #remilondon #fca

Hugo RemiSep 30, 2026

Cardaq Limited (UK): FY2025 audited accounts filed 📊 Today we filed the audited 2025 accounts for Cardaq Limited (UK). I'm proud of what they show: 📈 EBITDA: £17.37m, up from £3.33m in 2024 (5.2 times higher, +422%) 💷 Turnover: £57.8m, up 317% 📊 EBITDA margin: 30.1%, up from 24.0% ✅ Profit before tax: £17.4m, up 407% These results come from our teams' hard work and the trust of our clients and partners. Thank you to everyone at Cardaq in London and across the group. I'm also grateful to our auditors, DeanCoopers. Now all eyes are on 2026. We'll see what the numbers bring. Fingers crossed, and with God's help, we'll keep growing and contribute to the growth of the United Kingdom. 🇬🇧 I would like to express my gratitude to the country which gave us this opportunity! 🙏 🇬🇧 🏴󠁧󠁢󠁥󠁮󠁧󠁿 #Cardaq #IXXOV #Payments #Fintech #UKFintech #EBITDA #Growth #CardIssuing #Acquiring #london #unitedkingdom #fca #hmrc #remi #hugoremi #teido #visa #mastercard

Hugo RemiSep 30, 2026

How many platforms does it take to run your financial operations? Payments in one platform. Cards in another. Compliance somewhere else. Reporting in spreadsheets. Then another system for reconciliation, another provider for banking, and different support teams for each. As businesses grow, this becomes surprisingly normal. I’m Hugo Remi, CEO of Cardaq & Teido, and this is one of the problems we’re looking at while building Teido. Adding more financial services often means adding more software, more integrations and more processes for teams to manage. Information ends up spread across different systems, and even relatively simple tasks can involve switching between several platforms just to understand what is happening. We think financial software can be much simpler. With Teido, we’re building one connected environment where businesses can manage the core parts of their financial operations together: business account management global payments cards compliance workflows reporting and reconciliation The goal is to give teams one place to work, with the different parts of their financial operations connected within the same ecosystem. As we continue building Teido, this is something we keep coming back to: financial operations are already complex. The software businesses use to manage them doesn’t need to add more complexity. Hugo Rémi CEO of Cardaq & Teido

Hugo RemiSep 30, 2026

I'm excited for Legal Geek Conference in London on 14-15 October. See you there? https://lnkd.in/d4ZpykPJ #LegalGeek