Meet Our Team
Ed Wilson-Shah
Founder & CEO
Former Principal Architect of Digital Payments at the Bank of England with 12 years of experience in digital design. Ed leads our vision to transform UK payments.
Creddo is a sovereign payments infrastructure for the UK, designed to
replace legacy card networks.
With low acceptance costs for merchants and advanced privacy and counter-fraud capabilities,
Creddo will power the next chapter of digital commerce in the UK.
Our team contributed to the technical architecture for the Bank of England's Digital Pound, giving us unique insight into the future of national-scale digital payments.
Our team has decades of experience securing mission-critical national-scale platforms across government, banking, and defence - including GOV.UK. We know how to secure systems for the most challenging threat environments.
Our team continue to deliver thought leadership in digital payments, with published papers in quantum resilience, cryptography, and cybersecurity.
Payments shouldn't cost a fortune.
Every year, the UK pays billions in fees just to buy stuff. In 2025, we spent £1.5 billion on retail payments alone. This fee is invisible to customers - instead, it's quietly incorporated into the cost of everyday products, driving up costs and impacting the pockets of the British public.
These fees are a burden for businesses. Over the past five years, acquirer fees have increased by over 30% in real terms, with the average UK business paying about 1.5% of their revenue in card fees. For small businesses, this proportion can be as much as four times higher than for the largest chains. This is money that could be reinvested into growth, jobs, and innovation for the UK - instead, it's lining the pockets of card networks and banks.
Our unique architecture lowers payment overheads, providing a fair deal on acceptance fees with no more PoS devices.
With future-proof security as standard, Creddo wants to unshackle UK commerce and put revenue back into the pockets of hard-working UK businesses.
One easy payment experience for everything. No more juggling multiple cards, apps, and payment methods.
With innovative counter-fraud and powerful data privacy controls, Creddo provides a simple, safe payment experience for everyone.
Creddo is built by the UK, for the UK - a true sovereign payments capability.
With no dependencies on overseas technology or infrastructure, Creddo will always remain independent. We're proud to be British.
Our vision is to build a national-scale platform for payments, identity, and trust.
We're building the foundation for a more open, inclusive, and innovative financial ecosystem in the UK - and beyond!
Former Principal Architect of Digital Payments at the Bank of England with 12 years of experience in digital design. Ed leads our vision to transform UK payments.