Tereina is a financial services company that builds agentic payment capabilities into enterprise systems, with a particular focus on integration within SAP. Its platform, EPIC (Embedded Payments to Ignite Commerce), allows businesses to initiate, optimise and execute payments from within existing enterprise software workflows rather than through standalone payment processors. The underlying technical work spans agentic AI and AI agents, payment automation and routing, anomaly detection, and cash flow intelligence.
EPIC supports fiat payments in more than 40 currencies across standard rails including ACH, Wire, SEPA and CHAPS, alongside USDC digital currency settlement through licensed partners. The company reports that this reduces total cost of ownership by roughly 25% compared with standalone payment processors, and cuts go-live times from months to hours.
The company's geographic reach covers the United States, Europe and the United Kingdom through local payment rails, with broader global coverage via its multi-currency support. Tereina operates at the intersection of enterprise software and fintech infrastructure, serving financial services, payments and enterprise treasury use cases within the SAP ecosystem.
Tereina has strategic backing from SAP, described as SAP's move into embedded financial services infrastructure. Roles at the company sit at the junction of AI agent development, payment systems engineering and enterprise integration work.
