Visa’s New Infinite Private Programme Sees HY10 Join

The traditional private banking model is facing a modern shake-up. 

HY10, a financial and lifestyle platform designed for ultra-high-net-worth and high-net-worth individuals, has been selected as one of the first few participants in Visa’s newly unveiled Infinite Private programme.

Announced at the Visa Payments Forum in Paris, the initiative brings together unlimited-spend payment cards, concierge services and lifestyle management into a single integrated platform. 

Backed by Visa’s global payments network, the partnership represents a significant shift in how financial institutions serve the world’s most affluent, mobile clients.

The launch took place in front of more than 2,000 leaders from banks, fintechs and payment providers at the forum.

HY10's early selection highlights its ambition to lead the premium financial services sector, capturing market share from legacy private banks that have been slow to digitise.

Simplifying wealth management

For decades, wealth management has remained highly fragmented. Affluent clients typically rely on a patchwork of different providers to handle their private banking, international card payments, travel bookings and lifestyle requirements.

HY10 aims to consolidate these services into a single digital interface.

By combining unlimited-spend cards with financial services and a dedicated lifestyle manager, the fintech is positioning itself as a comprehensive relationship manager for globally mobile entrepreneurs and investors.

"Private banking hasn't fundamentally evolved for decades,” says Erekle Tokhosashvili, Co-Founder of HY10. 

“The world's wealthiest individuals are still forced to piece together multiple providers for banking, payments, travel, concierge and lifestyle management. We built HY10 to replace that complexity with a single platform designed around how modern global wealth actually lives.”

A modern approach to private banking

The collaboration with Visa allows HY10 to scale its operations rapidly while maintaining the security and trust associated with a major global payments network. 

Rather than competing solely on traditional banking products, the fintech is focusing on the intersection of high-net-worth lifestyle needs and transactional utility.

Membership of the platform allows users to access to more than 2,000 curated services across sectors such as travel, hospitality and luxury partners, facilitated through Visa’s Infinite Private programme. 

Otar Ramishvili, Co-Founder of HY10 adds: “We're proud of the work we've done alongside Visa.

“Together, we're building far more than a premium card. We're creating a financial and lifestyle platform that brings together wealth, access and extraordinary experiences in one seamless membership.”

As digital-first wealth creators – such as tech entrepreneurs and international investors – begin to dominate the high-net-worth demographic, demand for unified digital platforms is growing. 

These clients expect the same level of seamless mobile utility from their private bank as they do from consumer fintech apps, but with the high spending limits and bespoke service of a traditional institution.

HY10 is currently expanding its footprint across Europe, the Middle East and Asia. Operating out of London, the company serves a growing client base of international entrepreneurs, investors and families who require borderless financial solutions.