Newstate // AI & Data Intelligence Dossier — A new state of intelligence Est. 2025 · Bratislava 48.14°N
File 001 — Mandate

AI & data strategy, architecture, and execution for leadership teams. We build intelligence that holds up where it matters — in front of a board, an auditor, and a regulator.

Innovation — A new state
of intelligence.

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€45M fund managed €50M gains projected $1M+ system delivered MiCA crypto, shipped Live in a tier-1 bank app €45M fund managed €50M gains projected $1M+ system delivered MiCA crypto, shipped Live in a tier-1 bank app
§02 — Services
001

AI Strategy

Find the high-leverage use cases, prioritize a roadmap, and build the business case your board will actually back.

002

Data Architecture

Modern data platforms — warehouses, lakehouses, pipelines — designed for analytics and ML at real scale.

003

Analytics & ML

Models and dashboards put into production: governed, explainable, and driving measurable decisions.

§03 — Record

Newstate is new. The record behind it is not.

Selected work, in production. Clients held in confidence.

Asset MgmtMachine learning
A machine-learning strategy managing a fund allocation, trading index futures. Running in production since 2021.
€45M
TreasuryRisk modelling
A risk model behind a strategic hedging programme, informing long-dated decisions.
€50M
US EnterpriseApplied AI
An AI call-analysis system delivered end to end — architecture, team, and launch.
$1M+
Tier-1 BankReal-time ML
A transaction-categorization engine still live in a major bank's mobile app, powering spending insights and pre-approved lending.
In production
BankingDigital assets
A custody and trading service designed under MiCA — €500K secured, beta shipped to 80+ users against heavy internal resistance.
MiCA-ready
§04 — Regulated environments
Cleared
Classification
Most AI advice assumes a blank slate. Enterprises don't have one.

We've spent careers building inside the constraints — banking, capital markets, digital assets, health data — and treating them as design inputs, not afterthoughts.

Banking & finance

Years inside a tier-1 bank — model risk, treasury, capital markets. Production ML that desks and risk teams trust.

Digital assets

Hands-on with regulated crypto under MiCA, aligning compliance, legal, IT and capital markets around a working model.

AI governance

Led AI-ethics workshops for bank leadership ahead of EU AI Act compliance. Explainability and audit from day one.

Data protection

GDPR-grade data handling. Your data stays inside your walls — on-prem or private cloud when it can't leave.

Intelligence you can defend in front of a board, an auditor, and a regulator — in all three rooms.
§05 — Approach
i.

Discover

Workshops with your stakeholders to map opportunities, data, and constraints.

ii.

Design

A pragmatic roadmap with clear architecture, costs, and success metrics.

iii.

Deliver

Embedded execution alongside your team until value is in production.

§06 — About
Founder-led, by someone who has shipped AI where it's hardest to ship.

Newstate is led by Jakub Mertus — a data and AI leader whose work runs in production at one of the region's largest banks: real-time ML in mobile banking, a machine-learning fund strategy, and treasury risk models behind nine-figure decisions.

The path is unusual. Particle physics and cosmology, then a master's in data science with a thesis on deep reinforcement learning for trading. The result is rare range — the depth to build the models, and the judgement to know which ones are worth building.

Founder & Managing DirectorNewstate · 2025–
AI Product LeadershipUSA · CEE · Middle East
Venture BuilderTier-1 Bank · ’22–’24
Data ScientistTier-1 Bank · ’18–’22
MSc Data ScienceUniv. of Bath
MSc Physics & CosmologyUniv. of Birmingham
§07 — Contact

Open a case.

A 30-minute call to understand your goals and see if we're a fit. No pitch deck.

jakubmertus@newstate.sk →