Finteum
Finteum is a London-based fintech operating a DLT-based interbank marketplace that enables global banks to execute intraday FX swaps and intraday repo transactions on the FCA-regulated TP ICAP UK MTF, with settlement across Partior, Euroclear, BNY Mellon, and RTGS rails. It serves tier-1 banks seeking to reduce liquidity buffers, earn intraday lending revenue, and meet Basel III requirements.
- Company typePrivate
- Founded2017
- HeadquartersLondon, United Kingdom
- Headcount11–50
- GTM typeB2B
- OfferingSoftware
What Finteum does
Finteum Ltd is a London-headquartered fintech that operates a distributed-ledger-technology-based marketplace enabling global banks to execute intraday FX swap and intraday repo transactions with each other. The platform, built on R3's Corda Enterprise DLT, supports both a central limit order book and bilateral RFQ mechanisms for trading liquidity for periods as short as a few hours across USD, EUR, GBP, and CHF. Arranged trades are executed on the FCA-regulated TP ICAP UK Multilateral Trading Facility, with Finteum acting as arranger and settlement routed through a deliberately agnostic set of rails including Partior (24/7 PvP), Adhara DC Commander (integration layer), Euroclear Bank and BNY Mellon triparty infrastructure, RTGS systems, and emerging DLT-native platforms such as Fnality and HQLAX. The company's governance is anchored by a unique rule book aligned with the ISDA Master Agreement and GMRA, with defined 30-minute settlement windows and late-fee disciplines.
Finteum serves tier-1 and large global banks, with named participants including Goldman Sachs, UBS, NatWest Group, CIBC, BNY Mellon, Barclays, and Citi. As of February 2026 the platform processed USD 1 billion in weekly intraday FX swap trades, and management is targeting 10 banks live by end of 2026. Customer value is grounded in regulatory and balance-sheet economics: banks can reduce High Quality Liquid Asset buffers (estimated up to $75M/year in savings per large bank), earn new revenue by lending excess intraday liquidity, and meet Basel III intraday liquidity expectations more efficiently.
The business model is enterprise B2B with transaction/arrangement fees on trades executed via TP ICAP UK MTF, complemented by optional infrastructure hosting services for faster bank onboarding. The company maintains engineering and R&D presence in Wroclaw, Poland alongside its London headquarters, and is independently owned — backed only by seed funding from SuperSeed and an earlier Rockmount Seed Investments round — with explicit positioning as not controlled by bank clients or incumbent financial market infrastructures.
Finteum firmographics
Firmographics- Name
- Finteum
- Legal name
- Finteum Ltd
- Website
- https://finteum.com
- Company type
- Private
- Founded year
- 2017
- Operating status
- Operating
- Headcount range
- 11–50 employees
- Short description
- Finteum is a London-based fintech operating a DLT-based interbank marketplace that enables global banks to execute intraday FX swaps and intraday repo transactions on the FCA-regulated TP ICAP UK MTF, with settlement across Partior, Euroclear, BNY Mellon, and RTGS rails. It serves tier-1 banks seeking to reduce liquidity buffers, earn intraday lending revenue, and meet Basel III requirements.
- Ownership category
- akta.pro rank
Finteum industry classification
Industry- Product category
- Intraday Interbank Liquidity Trading Platform
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Security & Commodity Brokers, Dealers, Exchanges & Services (6200)
- akta.pro primary industry
- Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)
- akta.pro secondary industries
- Correspondent Banking & Liquidity Network Platforms (FSAGAKAI), Treasury & Risk Management Solutions (FX/MM, hedging, TMS integration) (FSABAIAE), FX Conversion, Pricing & Hedging Infrastructure (Treasury/Rate Engines) (FSAGAKAG)
Keywords
Where Finteum is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices2 records
Markets served
Finteum business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Technology or R&D, Personnel, Marketing or Sales, Operations, Infrastructure
Revenue model
- Platform Transaction / Arrangement Fees: Finteum acts as the arranger for intraday FX swap and repo trades executed on the TP ICAP UK MTF. Revenue is derived from fees charged for facilitating and arranging interbank transactions on the platform. The company is FCA-registered as an appointed representative enabling it to arrange interbank transactions.
- Infrastructure Hosting Services: For banks seeking a quicker time to trade, Finteum offers infrastructure hosting services, providing managed technology services as an alternative to banks deploying Finteum Platform components within their own infrastructure.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Enterprise bank pricing (not publicly disclosed) |
Go-to-market motion1 record
Distribution channels2 records
Marketing channels6 records
Finteum product offering
Product offeringCore offering
Finteum operates a distributed ledger technology (DLT) platform built on R3's Corda Enterprise that enables banks to execute intraday FX swap and intraday repo transactions for periods as short as a few hours. The platform provides order book and RFQ trading mechanisms, with trades arranged off-venue and executed on the FCA-regulated TP ICAP UK MTF. It allows tier-1 banks to lend or borrow liquidity from each other intraday, reducing High Quality Liquid Asset (HQLA) requirements and creating new revenue streams from excess intraday liquidity.
Product overview
Finteum offers a unified platform for intraday liquidity management in global banking. The core Finteum Platform, built on R3 Corda distributed ledger technology, enables interbank trading of two primary instruments: intraday FX swaps and intraday repo transactions. Banks access these through order book and RFQ trading mechanisms, executing trades on the TP ICAP UK MTF with settlement via RTGS, Partior 24/7 PvP, or triparty infrastructure (Euroclear Bank, BNY Mellon). The platform includes a governance Rule Book aligned with ISDA and GMRA standards. An infrastructure hosting service is available for faster onboarding.
Differentiator
Problem solved
Functional benefit
Products and services
- Finteum Platform A DLT-based intraday liquidity management platform built on R3's Corda Enterprise that enables global banks to execute intraday FX swaps and intraday repo transactions for periods as short as a few hours. The platform provides central limit order book and bilateral RFQ trading mechanisms, with trades executed on the FCA-regulated TP ICAP UK MTF. It allows banks to optimize liquidity buffers, reduce High Quality Liquid Asset (HQLA) requirements, and create new revenue streams from excess intraday liquidity.
- Intraday FX Swaps A financial product traded on the Finteum Platform that enables banks to borrow or lend cash for intraday periods (as short as a few hours) using FX swap transactions. Banks can source USD, EUR, GBP, and CHF currencies, reducing the need to hold excessive reserves and enabling more efficient balance sheet management.
- Intraday Repo Intraday delivery-versus-payment (DvP) repo transactions offered on the Finteum Platform alongside intraday FX swaps. Enables banks to borrow securities for hours using their existing Euroclear Bank or BNY Mellon triparty infrastructure, providing an alternative funding mechanism interchangeable with FX swaps for treasury operations.
- Infrastructure Hosting Services Managed infrastructure hosting service offered by Finteum to banks seeking quicker time to trade, allowing participants to access the Finteum Platform without deploying Finteum Platform components within their own bank's infrastructure.
Quantifiable outcome
- Up to $75 million per year in HQLA cost savings for a large bank
- +4 more outcomes
Companies that use Finteum
Customer profileNamed customers7 records
Segments1 record
Ideal customer profiles1 record
Finteum technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration11 records
Feature11 records
Finteum partnerships and signals
Strategic signalPartnerships
Twelve partnerships are on record, tiered core, flagship and major.
- PartiorcorePartior and Finteum announced platform interoperability enabling banks to trade intraday FX swaps and orchestrate 24x7 Payment versus Payment (PvP) settlement for settlement-risk-free intraday liquidity management. Partior's global digital cash settlement network is backed by J.P. Morgan, Deutsche Bank, Standard Chartered, and DBS. This partnership eliminates settlement risk in Finteum's intraday FX swap trades.
- AdharacoreAdhara's DC Commander technology serves as the integration layer between bank systems and both Finteum and Partior. It enables banks to seamlessly automate intraday settlement without requiring significant changes to their core infrastructure, offering a plug-and-play approach for treasury operations and FX workflows.
- TP ICAPflagshipTP ICAP provides the UK MTF (multilateral trading facility) on which Finteum arranges and executes intraday FX swap and repo trades. Finteum acts as the arranger while TP ICAP provides the regulated execution venue. This enables transactions to be arranged off-venue and subsequently executed and registered on a regulated MTF.
- CIBCmajorCIBC, together with UBS, executed the world's first intraday FX swap via Finteum in July 2024. The EUR/USD trade was negotiated on the Finteum Platform and executed on the TP ICAP UK MTF, completed within minutes on T+0, demonstrating the platform's live capability.
- Goldman SachsflagshipGoldman Sachs joined the Finteum Platform and completed their first series of intraday FX swaps, including the platform's largest intraday FX swap trade to date. This represents a flagship customer and co-development relationship where Goldman Sachs helps shape the platform's development as a major tier-1 bank participant.
- UBSflagshipUBS Investment Bank has been a Key Participant bank on Finteum since the early trial stages, progressing through integration work and scaling intraday FX swap volumes on the platform. UBS led the world's first intraday FX swap via Finteum alongside CIBC in July 2024 and continues to expand activity on the platform.
- NatWest GroupflagshipNatWest Group has been a Key Participant bank since early trials in 2022, completing technology work to deploy Finteum Platform components within their infrastructure. The bank continues to scale activity on the platform and has commented publicly on the importance of the platform for real-time liquidity management.
- R3coreFinteum uses R3's Corda Enterprise distributed ledger technology as the core blockchain infrastructure for its platform. R3's Corda is an open, permissioned, distributed platform for regulated markets. R3's Chief Commercial Officer has publicly endorsed Finteum's intraday FX swaps and repo solution.
- EuroclearmajorEuroclear Bank's existing triparty infrastructure is used for delivery-versus-payment (DvP) settlement of intraday repo transactions on the Finteum Platform. The partnership enables settlement within minutes without any tokenisation, leveraging Euroclear's established triparty repo infrastructure.
- BNY MellonmajorBNY Mellon's corporate treasury function participated in the June 2022 platform trial. Additionally, BNY Mellon's triparty repo infrastructure can be used to settle U.S. dollar intraday repo transactions executed on the Finteum Platform, similar to the Euroclear Bank integration.
- BarclaysmajorBarclays was one of the fourteen large banking groups that trialled the Finteum platform in June 2022 for intraday FX swaps and intraday repo transactions, with a combined balance sheet of participating banks of $19.8 trillion.
- CitimajorCiti was among the fourteen large banking groups that trialled the Finteum platform in June 2022 for intraday FX swaps and intraday repo, demonstrating interest from one of the world's largest banks in intraday liquidity management solutions.
Scale indicators8 records
Recent moves6 records
Expansion highlights6 records
Finteum competitors and assessment
Company assessmentEmerging players
- Partior: DLT-based global digital cash settlement network backed by J.P. Morgan, Deutsche Bank, Standard Chartered, and DBS. Both Partior and Finteum target interbank liquidity infrastructure with tokenized settlement, and Partior is integrated with Finteum for 24/7 PvP.
- HQLAX: DLT-native collateral mobility platform enabling intraday liquidity optimization across custodians. Operates in the same intraday liquidity and repo domain as Finteum and is integrated as a settlement option for Finteum's platform.
- Adhara: DLT-based smart contract middleware for bank treasury and FX workflows. Serves as Finteum's integration layer via DC Commander and operates in the same interbank DLT infrastructure space.
- Clearmatic: DLT-based repo and securities financing platform focused on automating interbank repo workflows. Directly comparable to Finteum's intraday repo offering and shares a similar target customer base of large banks.
Direct peers
- Fnality: DLT-based real-time gross settlement network for wholesale central bank money, backed by major global banks. Directly comparable to Finteum's settlement-agnostic ambition and shares the same Tier-1 bank customer base for interbank liquidity transactions.
Broad incumbents
- Euroclear: International central securities depository providing triparty repo infrastructure used by Finteum for DvP settlement of intraday repo transactions. Operates in adjacent settlement and liquidity infrastructure space for European securities markets.
- TP ICAP: Global interdealer broker operating the UK MTF on which Finteum arranges and executes intraday FX swap trades. Comparable as a regulated trading venue provider serving bank treasury and FX trading desks.
- CLS: Incumbent FX settlement infrastructure provider operating PvP settlement for the global FX market. CLS addresses the same interbank FX settlement and risk mitigation problem that Finteum targets, but at a much broader and more established scale.
- OSTTRA: Post-trade infrastructure joint venture (CME and S&P) offering trade processing, FX settlement orchestration, and other post-trade services. Comparable as a regulated post-trade and FX infrastructure provider that competes for the same bank technology budgets.
Others
- R3: Enterprise DLT platform provider whose Corda Enterprise protocol underpins Finteum's matching and settlement infrastructure. Adjacent infrastructure provider rather than a direct competitor, but R3's broader ecosystem competes for the same bank DLT budgets.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Finteum social profiles
Digital presenceFinteum compliance and trust
Trust signalCompliance2 records
Finteum financial estimates
Financial estimateRevenue estimate
Valuation estimate
Finteum leadership team
Management profileNumber of profiles
Profiles16 records
Finteum funding detail
Funding detailFunding overview
Funding rounds3 records
Investors3 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Finteum M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Finteum
What does Finteum do?
Finteum operates a distributed ledger technology (DLT) platform built on R3's Corda Enterprise that enables banks to execute intraday FX swap and intraday repo transactions for periods as short as a few hours. The platform provides order book and RFQ trading mechanisms, with trades arranged off-venue and executed on the FCA-regulated TP ICAP UK MTF. It allows tier-1 banks to lend or borrow liquidity from each other intraday, reducing High Quality Liquid Asset (HQLA) requirements and creating new revenue streams from excess intraday liquidity.
Is Finteum a public or private company?
Finteum is a private company. It is classified as venture growth investor backed and is currently operating.
When was Finteum founded?
Finteum was founded in 2017. It employs 11 to 50 people.
Where is Finteum based?
Finteum is headquartered in London, United Kingdom, in the Europe region.
How does Finteum make money?
Two revenue lines are on record. Platform Transaction / Arrangement Fees are the primary driver. The others are infrastructure Hosting Services.
Who are Finteum's main competitors?
Emerging players on record are Partior, HQLAX, Adhara and Clearmatic. Fnality is listed as a direct peer. Broad incumbents are Euroclear, TP ICAP, CLS and OSTTRA. R3 is listed as an others.
Does Finteum have an API?
No public API is recorded for Finteum.
What industry is Finteum in?
Finteum's product category is Intraday Interbank Liquidity Trading Platform. Its primary akta.pro industry code is FSAGABAK, Cross-Border FX, Multi-Currency & Treasury for Payments, with a secondary code of FSAGAKAI, Correspondent Banking & Liquidity Network Platforms. Its NAICS code is 52232 and its SIC code is 6200.