Mirai RiskTech, a Spanish risk technology firm focused on integrated asset and liability management (ALM) and balance sheet management, has completed a €5m funding round with investment firm Inveready, giving it fresh capital to take its AI-powered platform for banks into new international markets.
The money will support expansion across Europe, the United Kingdom, the United States and the Middle East. Mirai also plans to deepen its foothold in established markets such as Spain and to keep building its balance sheet management technology.
The deal arrives at a demanding moment for treasury and ALM departments. Markets now move more quickly, supervisors expect more, and deadlines have tightened. Many banks still split treasury, ALM, risk and finance across disconnected systems, each applying its own methods and models, none of which were designed for current conditions.
This patchwork delays decision-making, adds weight to stress testing exercises and makes it harder to adjust the balance sheet when the environment changes. As a result, lenders are increasingly turning to unified platforms that combine clarity, coherence and performance.
Mirai’s platform runs on one data model that connects modelling, data and reporting. Interest rate risk in the banking book (IRRBB), liquidity, funds transfer pricing (FTP) and regulatory reporting all sit within a single framework, replacing functions that banks have traditionally operated in isolation.
Finance and risk teams therefore see identical figures across every metric. Because the architecture is cloud-native, banks can respond more quickly, shortening the gap between a market shift and a balance sheet decision.
A portion of the new capital is earmarked for Mirai AI, the firm’s artificial intelligence range, which blends generative AI with deep learning. Mirai AI Modeling allows banks to create and deploy behavioural models using years of historical records, running statistical and machine learning methods within live production processes, with models recalibrating automatically as circumstances evolve.
Mirai AI Agent, meanwhile, embeds specialist understanding of ALM, liquidity risk and banking regulation into everyday tasks, walking teams through balance sheet analysis and producing fully traceable insights in plain language.
Mirai CEO and co-founder Olmo Vázquez said, “Banks have historically managed treasury, ALM, risk and finance on separate systems, which makes it harder for a chief financial officer and a chief risk officer to work from the same numbers. The aim is to give them a single, governed source of truth, with artificial intelligence built into the core of the platform rather than added on top. This investment lets us bring that approach to more institutions internationally.”
Copyright © 2026 RegTech Analyst
Copyright © 2026 RegTech Analyst
