Revolut Advances AI Capabilities, Youth Features and Global Expansion Amid Strong Financial Growth

Revolut continued to showcase rapid evolution this week, combining major artificial intelligence advances with product innovation and an expanded global banking push. The company co-authored a scientific paper with NVIDIA on PRAGMA, a proprietary AI foundation model trained on 24 billion banking events to improve credit scoring, fraud detection and product recommendations within a single architecture.

PRAGMA is tailored to long sequences of transactions, app actions and trades, rather than text data, and the research has been released openly while the authors remain employed at Revolut. This underscores the firm’s efforts to build in-house AI expertise that could enhance risk management, personalization and operational efficiency relative to traditional banks and digital rivals.

Revolut also expanded its youth banking proposition by launching “Revmojis,” privacy-focused 3D avatars in its Kids & Teens app for users aged 6–17 worldwide. The avatars, offering over 400,000 customization combinations, are intended to replace profile photos, protecting minors’ digital footprints while boosting engagement and self-expression.

This move aligns with increasing regulatory and parental scrutiny of children’s data online and signals a strategy to acquire and retain customers from an early age. By deepening relationships in the family and teen segment, Revolut aims to build a pipeline of future adult users and strengthen lifetime value within its broader ecosystem.

Strategically, the neobank outlined a more aggressive international growth path, especially in the U.S., where it plans to invest more than $500 million and pursue a national bank charter. The firm is embedding AI across onboarding, fraud prevention, customer support and financial insights, supporting a scalable operating model as it expands across the U.S., India, Mexico and multiple Asia-Pacific and Latin American markets.

Revolut’s financial momentum underpins these ambitions, with revenue rising to $6 billion in 2025 from $4 billion in 2024 and net profit increasing to $1.7 billion from $1 billion. With full banking licenses in the U.K. and EU, a customer base of 68.3 million, and internal IPO valuation targets of $150 billion to $200 billion over the medium term, the week’s developments highlighted a company entering a new scale phase, blending profitability, AI leadership and global expansion ahead of a potential future listing.