Philip
Belamant.

Zilch, the consumer payments platform, was recognised in 2025 by Deloitte as EMEA’s fastest-growing-revenue tech unicorn and ranked as the UK’s fastest-growing $1bn+ fintech by the Financial Times and The Sunday Times. A serial tech entrepreneur, Philip built Zilch on first principles with a mission to “Eliminate the high cost of consumer credit. For good.”

Valued at $2bn, Zilch has scaled to 5M+ registered customers in just five years since launch, each using the platform weekly on average. For its most engaged users, Zilch is as habitual as coffee – used daily – training its AI with precision. With over $7bn in transaction volume to date, the platform has reduced customers’ cost of living, delivered hundreds of millions in savings, surpassed a $200m+ revenue run rate, helped retailers lower ad spend and eliminate fraud, and achieved quarterly profitability – all within five years.

Philip is also the Co-founding Co-Chair of the Unicorn Council for UK Fintech (UCFT) – a market-first coalition of more than 25 of the UK’s most valuable, high-growth fintech companies, collectively valued at over $100bn. In collaboration with Innovate Finance, the Council works with senior government to align on breakthrough policies that enhance investor perception and unlock liquidity in capital markets, strengthening the UK’s position as a global leader in financial innovation.

Under his leadership, Zilch has earned 30+ major industry accolades, including UK Financial Institution of the Year and UBS UK Growth Company (2024). With over 20 years’ experience in fintech, Philip has been named Great British Entrepreneur of the Year, EY Entrepreneur of the Year, and has won multiple industry Business Leader of the Year awards.

Philip graduated cum laude from RAU University, earning both BScIT and BScIT (Hons) degrees.