# Toby Norton-Smith

> Toby Norton-Smith is a seed investor at x15ventures (Sydney) backing FinTech and Payments. See 7 investments, check sizes, portfolio. Updated Aug 2026.

- Type: Angel Investor
- Fund: [x15ventures](https://shizune.co/investors/profile/x15ventures)
- Location: Sydney, Australia
- Total investments: 7
- Last investment: May 2024
- Lead investor: 100%
- Last updated: Aug 2026
- LinkedIn: https://www.linkedin.com/in/toby-norton-smith-b445344/

Toby Norton-Smith is a Founder & Managing Director at x15ventures company. He attended the University of Sydney in 2000.

## Investment focus

### Industry

| Industry | Investments | Share |
| --- | --- | --- |
| FinTech | 2 | 29% |
| Payments | 2 | 29% |
| Financial Services | 2 | 29% |
| Credit | 1 | 14% |
| Retail | 1 | 14% |

18 industries tracked in total.

### Stage

| Stage | Investments | Share |
| --- | --- | --- |
| Seed | 2 | 29% |
| Pre-Seed | 2 | 29% |
| Venture - Series Unknown | 2 | 29% |
| Series A | 1 | 14% |

## Investments

| Company | Description | Amount | Stage | Date | Website |
| --- | --- | --- | --- | --- | --- |
| Truyu | Truyu is a first digital identity protection tool that alerts you when your identity is being used or misused online. |  | Pre-Seed | May 07, 2024 |  |
| Kit |  |  | Venture - Series Unknown | Oct 03, 2023 |  |
| Paytron | PAYTRON is a global fintech based in Sydney, Australia. The company is focused on helping SME businesses and their accountants avoid wasting resources on mundane processes, with a borderless transaction account that moves money efficiently, automates bookkeeping and delivers insights to grow. | $250K | Seed | Sep 30, 2022 |  |
| OwnHome | Bringing rent-to-own to Australia | $22.1M | Series A | Feb 02, 2022 |  |
| Payble | Payble platform leverages Open Banking to identify consumers who would benefit from flexible payment options (including consumers at risk of missing a payment), and engages them with a flexible solution like instalment plans, payment extensions or Covid relief. Payble’s proactive approach improves customer satisfaction with billers andsignificantly reduces the admin and operational cost of collections. | $700K | Seed | Nov 16, 2021 |  |
| Splashup | Splashup is a network of brands and retailers that allows them to cross-promote their products with complementary brands at checkout boosting awareness and cutting the costs of customer acquisition. | $239.5K | Pre-Seed | Aug 13, 2021 |  |
| Credit Savvy | Credit Savvy provides credit file, credit report, consumer advocacy, credit history, and financial wellbeing services. An online inquiry form is available on the company's website. | $10M | Venture - Series Unknown | Jul 30, 2020 |  |

7 of 7 investments shown.

## Co-investors
- [Square Peg Capital](https://shizune.co/investors/profile/square-peg-capital) — VC Fund, 2 deals together
- [AfterWork Ventures](https://shizune.co/investors/profile/afterwork-ventures) — VC Fund, 1 deal together
- [Angel](https://shizune.co/investors/profile/angel-caca) — VC Fund, 1 deal together
- [Commonwealth Bank of Australia](https://shizune.co/investors/profile/commonwealth-bank-of-australia) — VC Fund, 1 deal together
- [Entrée Capital](https://shizune.co/investors/profile/entree-capital) — VC Fund, 1 deal together
- [Global Founders Capital](https://shizune.co/investors/profile/global-founders-capital) — VC Fund, 1 deal together

## About x15ventures

VC Fund · Sydney, Australia

x15ventures is a dynamic venture-building outfit, designed to bring to life the next generation of digital endeavors.

3 contacts available at x15ventures.

| Name | Title | Profile |
| --- | --- | --- |
| Jane Martino | Portfolio Advisor | https://shizune.co/investors/profile/jane-martino |
| Jason Rohloff | Head of Risk - New Venture | https://shizune.co/investors/profile/jason-rohloff |
| Toby Norton-Smith | Founder & Managing Director | https://shizune.co/investors/profile/toby-norton-smith |

## Similar investors

### Similar stage
- [Antler](https://shizune.co/investors/profile/antler-be9c) — VC Fund
- [Alumni Ventures](https://shizune.co/investors/profile/alumni-ventures-group) — VC Fund
- [Right Side Capital Management](https://shizune.co/investors/profile/right-side-capital-management) — VC Fund

## FAQ

### What does Toby Norton-Smith invest in?

Toby Norton-Smith invests primarily in FinTech, Payments and Financial Services startups, most often at Seed and Pre-Seed stage. Most of the 7 investments tracked by Shizune back companies in Australia. The Investment Focus section breaks down every industry, stage and country in the portfolio.

### When did Toby Norton-Smith last invest?

The most recent investment recorded for Toby Norton-Smith closed in May 2024. Shizune tracks 7 investments in total for this profile, including round sizes, stages and portfolio companies, all sourced from confirmed public funding rounds and refreshed monthly.

### Is Shizune's investor data accurate?

Yes — every stat on this profile is calculated from confirmed public funding rounds monitored across hundreds of sources since 2020. This profile was last refreshed in Aug 2026 and is updated monthly. Spotted something off? Use the “Suggest an edit” link near the top of the page.

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