B2B Payments Platform Two Raises €13 Million to Build TwoNet - The Trust Infrastructure for B2B Commerce

Led by Joachim Krüger(CTO and Co-Founder), Andreas Mjelde(Co-Founder), Stavros Tamvakakis(Co-Founder, Finance and Operations), Kiran Thomas(Co-Founder), Two has raised €13M in a funding round led by Idékapital and Shine, with support from new investor Investinor and existing backers Sequoia Capital, Antler, Alliance Venture, Arkwright, and Local Globe. The round brings total funding to over €40 million, supporting the next phase of making instant, trusted net-terms available wherever businesses trade.

The B2B payments market is projected to exceed $3.5 trillion by 2033, yet global trade remains constrained by manual credit checks, paper invoices, and slow collections, costing sellers 2–5% of revenue. With €13M in new funding, Two aims to expand into the U.S. and key Western European markets, connecting cross-border buyers and suppliers on a single trusted network.

TwoNet embeds real-time risk decisions and guaranteed settlement directly into transaction flows. Proprietary AI engines—Frida for fraud and Delphi for credit—instantly assess buyers, maintaining low loss rates while approving more transactions. Over 200 merchants already use the infrastructure to convert buyers who would otherwise be turned away.

Instead of forcing sellers to act like banks, Two streamlines B2B payments by automating credit assessment, financing, and collections via intelligent APIs. The platform transforms how businesses transact—delivering speed, trust, and efficiency at scale.