Dream

I have a dream—to build the bank of the future.
In 2017, I worked on a digital banking project, funded by BTC investments. A year later, I met my future wife—an experienced banking executive who knew the industry inside out. Together, we turned our dream into reality, building a group of financial companies and fintech ventures that bridge traditional finance with blockchain innovation.

Vision

The world is entering a new era—AI and Blockchain are reshaping finance. By 2030, CBDCs, Stablecoins, and BTC will power the digital economy, where every individual—and their AI agent—will have a digital wallet.

We are building the infrastructure for this future—seamless for users, secure for regulators.

Mission

Evolve yourself, evolve the world.
We strive to become better every day—to create products that improve lives, to dream of a better world, and to bring it to reality. Everything is in our hands. By transforming ourselves, we transform the world.

Alex Pavlov (Founder)

Entrepreneur and innovator featured in the Forbes Top 40 Under 40 crypto entrepreneurs. Founder of Kauri Finance & Kauri ONE, bridging traditional finance with Web3. Oleksii has grown his startup into a leading EU fintech, driving financial innovation and expansion across multiple regions.

Olha Pavlova (Co-founder)

Banking expert with 15 years of experience in treasury, risk, liquidity management and digital finance in top 5 UA banks. Olha blends traditional banking principles with Web3, ensuring secure and efficient operations at PavlovCore and across all ventures.

Today, our family company, Pavlovcore Ltd, owns a group of financial companies and licensed fintech projects.

next-gen Financial Operating System (OS) — powering secure, compliant digital finance for individuals and businesses

all-in-one payment platform for SMEs combining e-invoicing, multiple payments methods and Smart Soft POS

global solution to simplify salary disbursements and employee financial management for remote teams

EU-licensed Web3 financial platform serving 100K+ clients, offering MiCA-compliant crypto and fiat services

US-based software company providing blockchain infrastructure for seamless Web3 financial operations

Crypto payment project founded in partnership with undisputed boxing world champion Oleksandr Usyk

We partner and co-create with leading companies to build secure, seamless financial solutions.

Ready to Fight,
founded by undisputed world boxing champion Oleksandr Usyk, partners with Kauri Finance to launch Ready to Pay crypto payment solutions.

Breinrock,
a FINTRAC-licensed Canadian financial institution, partners with Kauri Finance to deliver compliant IBAN services for seamless international fiat payments.

Lime Systems,
a trusted tech provider with 30+ years of experience and partners of top Ukrainian banks, joins XONO to deliver a banking-grade card management solution.

Alty,
an award-winning digital product studio with over 15 years of expertise, serving leading international and regional banks, partners with XONO to create world-class UX digital products.

Our mission is to create a nurturing and stimulating environment for the all-round development of children in Cyprus.

Beyond financial innovation, we invest in social initiatives that empower future generations. Today our flagship endeavor is Kido – a premier kindergarten in Paphos, Cyprus, where classical and progressive methods unite to nurture creativity, critical thinking, physical confidence, social skills and emotional intelligence.

Looking ahead PavloCore will broaden its reach with new programs in sport and medicine—developing facilities and opportunities that boost health, well-being and growth. With every project we commit not just resources but genuine care to create lasting impact.

Our office is located in Cyprus, Paphos

Pavlocore is establishing a new office in Paphos, Cyprus, currently under construction and scheduled for completion in Q2 2026.

This upcoming space will serve as a strategic hub for the company's European operations, reflecting Pavlocore's commitment to expanding its presence and fostering innovation in the region.