Clear Junction
Clear Junction is a UK-based B2B payments infrastructure provider, founded in 2016, offering GBP and EUR accounts, named virtual IBANs, fiat payment rails, and regulated stablecoin transfers to licensed financial institutions and digital asset firms via API and dashboard.
- Company typePrivate
- Founded2016
- HeadquartersLondon, United Kingdom
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Clear Junction does
Clear Junction is a UK-based B2B payments infrastructure provider founded in 2016, serving exclusively licensed financial institutions and regulated companies. It operates a group structure with the UK holding entity Clear Junction Holding Ltd, the FCA-authorised Electronic Money Institution Clear Junction Limited (FRN 900684), the FCA-registered cryptoasset business Clear Junction Digital Limited (FRN 900696), a FINTRAC-registered MSB in Canada (Clear Junction Canada Limited), and a Polish Financial Supervision Authority-registered Small Payment Institution (FIRST DIGITAL sp. z o.o.). The company targets banks, EMIs, remittance providers, FX providers, and digital asset businesses, delivering access to GBP and EUR accounts, named virtual IBANs at scale, and payment rails (SEPA, SEPA Instant, Faster Payments, CHAPS, BACS, SWIFT, Fedwire) through a single API integration or a maker-checker dashboard.
The core platform provides company-named GBP and EUR accounts for operational payments, treasury, and defined client-flow structures, alongside named virtual IBANs issued at scale for automated reconciliation. The product suite includes Collection, Correspondent, Corporate, and E-money Accounts, plus CJ Clique (an internal directory for crypto businesses), onChain (a stablecoin transfer service supporting USDC and USDT across Ethereum, Solana, and Tron), FX Services (Instant, Next Business Day, and Transactional FX), and Confirmation of Payee. Integration is API-first with a sandbox available in days and production deployment typically in weeks. Notable operational scale includes millions of vIBANs issued and billions moved across core payment schemes.
Clear Junction monetises through transaction-based fees on payment processing, recurring fees for virtual IBAN issuance and maintenance, transaction fees on FX conversion, and escrow account services for cryptoasset transactions. Pricing is bespoke and quote-based, structured as multi-year contracts with clients selected through a four-step consultative onboarding process focused on licensed institutions with strong AML/KYC controls. The company maintains ISO 27001, PCI DSS, and The Payments Association certifications, and operates a B2B marketing approach through content, events, webinars, and case studies featuring clients such as Flutterwave, CEX.IO, Bit2Me, BCRemit, Grey, Monobank, Muthoot Group, and Coins.ph. Teresa Cameron was appointed Group CEO in October 2025 to lead the next phase of global expansion.
Clear Junction firmographics
Firmographics- Name
- Clear Junction
- Legal name
- Clear Junction Limited
- Website
- https://clearjunction.com
- Company type
- Private
- Founded year
- 2016
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Clear Junction is a UK-based B2B payments infrastructure provider, founded in 2016, offering GBP and EUR accounts, named virtual IBANs, fiat payment rails, and regulated stablecoin transfers to licensed financial institutions and digital asset firms via API and dashboard.
- Ownership category
- akta.pro rank
Clear Junction industry classification
Industry- Product category
- Payment Infrastructure
- NAICS
- Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232)
- SIC
- Functions Related To Depository Banking, Nec (6099)
- akta.pro primary industry
- Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards) (FSABAIAB)
- akta.pro secondary industries
- Cross-Border Payments Clearing (International Wires & FX Settlement) (FSABAJAC), Remittance & Cross-Border Payment Rails (SWIFT, Local Clearing, RTP Connectivity) (FSAGAKAH), Crypto Payment Gateways & Checkout APIs (FSADAIAA)
Keywords
Where Clear Junction is headquartered
LocationHeadquarters
- HQ city
- London
- HQ country
- United Kingdom
- HQ region
- Europe
Offices1 record
Markets served
Clear Junction business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Technology or R&D, Personnel, Operations, Marketing or Sales, Infrastructure
Revenue model
- Payment Processing Services: Fees charged for processing payment transactions through GBP/EUR rails including SEPA, SEPA Instant, Faster Payments, CHAPS, BACS, SWIFT, and Fedwire. Revenue is transaction-based, scaling with volume.
- Virtual IBAN Issuance: Fees for issuing and maintaining named virtual IBANs at scale for client reconciliation purposes
- FX Conversion Services: Currency conversion services including Instant FX, NBD FX, and Transactional FX with different pricing tiers and minimum transaction limits
- Escrow Account Services: Safeguarding services for cryptoasset transactions involving fiat and cryptocurrency, acting as intermediary
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Other | Multi-year contract | Enterprise B2B pricing for financial institutions |
Go-to-market motion2 records
Distribution channels3 records
Marketing channels5 records
Clear Junction product offering
Product offeringCore offering
Clear Junction operates a regulated payment infrastructure platform that provides licensed financial institutions with GBP and EUR accounts, virtual IBANs, and access to UK, EU, and US payment rails (Faster Payments, SEPA, SWIFT, Fedwire) through a single API integration. The platform also offers FX, Confirmation of Payee, segregated client accounts, and stablecoin transfer capabilities via the onChain feature, with onboarding handled for regulated banks, EMIs, digital asset providers, remittance firms, and FX providers.
Product overview
Clear Junction is a B2B payments infrastructure provider serving financial institutions with a unified platform offering accounts, virtual IBANs, and payment rails. The core product suite includes Collection Accounts, Correspondent Accounts, Corporate Accounts, and E-money Accounts for licensed financial institutions, alongside Virtual IBAN services for scalable reconciliation. Add-on modules include CJ Clique (crypto business directory), onChain (stablecoin transfers supporting USDC/USDT on Ethereum, Solana, and Tron), FX Services (Instant, NBD, and Transactional FX), and Confirmation of Payee. All services are accessible via API integration or the Online Portal, with SEPA, FPS, SWIFT, and other payment schemes facilitating GBP, EUR, and USD transactions.
Differentiator
Problem solved
Functional benefit
Brands
- CJ Clique: A directory exclusively for Crypto businesses that enables clients to contact each other to explore potential partnerships and streamline settlements using Clear Junction's internal payments network
- onChain
- CJClique
Products and services
- Multi-Currency Accounts Named GBP and EUR accounts held with regulated UK and EU banks, providing licensed financial institutions with segregated client funds and operational visibility for receiving and holding funds.
- Virtual IBANs Virtual International Bank Account Numbers issued in GBP and EUR to licensed financial institutions, enabling them to receive and reconcile payments through UK, SEPA, and SWIFT rails without opening multiple bank accounts.
- Collection Account Dedicated GBP account used by licensed institutions to collect funds from end customers and counterparties.
- Correspondent Account Named GBP and EUR account used to receive, hold, and send payments on behalf of licensed financial institution clients across multiple currencies.
- Corporate Account Multi-currency account held in the name of a licensed corporate client for receiving and settling payments across GBP and EUR.
- E-money Account Account used by Electronic Money Institutions to hold segregated client funds in GBP and EUR.
- Escrow Account Named GBP and EUR account used to hold funds in escrow between transacting parties until predefined conditions are met.
- Payments (UK, SEPA, SWIFT, Fedwire) Access to Faster Payments, BACS, SEPA, SWIFT, and Fedwire payment rails through a single API, enabling licensed financial institutions to initiate and receive payments across UK, Eurozone, and US corridors.
- Confirmation of Payee (CoP) Verification service for UK Faster Payments that checks whether the name on a beneficiary account matches the intended recipient, reducing misdirected payments and fraud.
- FX Services Quoted foreign exchange service across supported currencies with same-day settlement, used by licensed financial institutions to convert and settle client funds.
- onChain (Stablecoin Transfers) Regulated fiat-to-stablecoin transfer capability for licensed financial institutions, supporting USDC and EURC issuance and redemption across Ethereum, Solana, and Tron networks within a single regulated provider.
- CJ Clique Verified directory of licensed crypto businesses that allows users to discover and connect with vetted counterparties in the digital asset ecosystem.
- Online Portal Web-based management interface for viewing balances, initiating payments, managing beneficiaries, and tracking transactions across accounts and rails.
Quantifiable outcome
- Millions of virtual IBANs issued
- +2 more outcomes
Companies that use Clear Junction
Customer profileNamed customers8 records
Segments5 records
Ideal customer profiles4 records
Clear Junction technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability3 records
Feature6 records
Clear Junction partnerships and signals
Strategic signalPartnerships
Three partnerships are on record, tiered core.
- AgantcoreUK-focused partnership enabling institutional access to Pound sterling stablecoin GBPA. Clear Junction Group and Agant partner to support institutional access to GBPA stablecoin for regulated institutions.
- Coins.phcoreCoins.ph selected Clear Junction to support European payment corridors using EUR and GBP infrastructure including named vIBANs, SEPA, SEPA Instant and Faster Payments.
- FlutterwavecorePartnership to enhance cross-border payments. Clear Junction supports Flutterwave's GBP and EUR payment flows with faster EUR settlement capabilities.
Scale indicators3 records
Recent moves6 records
Expansion highlights6 records
Clear Junction competitors and assessment
Company assessmentMarket position
Competitive moat5 records
Key risks6 records
Key highlights6 records
Customer concentration
Clear Junction social profiles
Digital presenceClear Junction financial estimates
Financial estimateRevenue estimate
Valuation estimate
Clear Junction leadership team
Management profileNumber of profiles
Profiles1 record
Clear Junction subsidiaries and ownership
Company hierarchySubsidiaries4 records
Clear Junction funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Clear Junction M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Clear Junction
What does Clear Junction do?
Clear Junction operates a regulated payment infrastructure platform that provides licensed financial institutions with GBP and EUR accounts, virtual IBANs, and access to UK, EU, and US payment rails (Faster Payments, SEPA, SWIFT, Fedwire) through a single API integration. The platform also offers FX, Confirmation of Payee, segregated client accounts, and stablecoin transfer capabilities via the onChain feature, with onboarding handled for regulated banks, EMIs, digital asset providers, remittance firms, and FX providers.
Is Clear Junction a public or private company?
Clear Junction is a private company. It is classified as founder individual operated bootstrapped and is currently operating.
When was Clear Junction founded?
Clear Junction was founded in 2016. It employs 101 to 250 people.
Where is Clear Junction based?
Clear Junction is headquartered in London, United Kingdom, in the Europe region.
How does Clear Junction make money?
Four revenue lines are on record. Payment Processing Services are the primary driver. The others are virtual IBAN Issuance, FX Conversion Services and escrow Account Services.
Does Clear Junction have an API?
Yes. Clear Junction provides an API for real-time payment processing services. The API enables seamless connection and communication between different software systems, automates information exchange, reduces manual data entry, and enables real-time data synchronisation between connected systems. Clients can submit payout instructions via API, automate payments, access virtual account allocation, and integrate with Clear Junction's payment infrastructure. API integration supports SEPA, SEPA Instant, Faster Payments, SWIFT, and other payment schemes. Sandbox environment available for testing. Developer documentation is at not specified.
What industry is Clear Junction in?
Clear Junction's product category is Payment Infrastructure. Its primary akta.pro industry code is FSABAIAB, Payables & Disbursements (ACH/SEPA, wires, checks, virtual cards), with a secondary code of FSABAJAC, Cross-Border Payments Clearing (International Wires & FX Settlement). Its NAICS code is 52232 and its SIC code is 6099.