UK fintech Stoa has secured $2.4 million in its pre-seed funding round, co-led by Bespokeist Partners and Ingenii Capital. This capital injection will fuel product development, expand merchant and financial institution partnerships, and support Stoa's planned launch in the United States. The platform aims to unlock upfront rewards on cash deposits for consumers and businesses, addressing over £600 billion in low-yield UK consumer accounts and £250 billion in SME reserves.