What Clear Treasury does

Clear Treasury is a UK-based FCA-regulated payment institution (Firm Reference Number 708529) that provides international payment and foreign exchange services to private individuals, SMEs, corporates, and institutional clients. Founded in 2010 and headquartered in London at 8 Devonshire Square, the company operates a dual-brand architecture with Clear Treasury targeting business customers and Clear Currency serving personal customers. The platform supports currency transfers in 35 currencies to 130+ countries, offering spot contracts, forward contracts (up to 12 months), limit orders, stop-loss orders, and market orders as FX risk management instruments, alongside a structured four-step FX strategy service (identify, assess, devise, review).

The company's underlying technology centers on a self-service online payments platform and an FX Payments API that enables embedded integration for fintech partners, trade finance businesses, aggregators, and SPVs. Regulatory and payment infrastructure are delivered through partnerships: CurrencyCloud B.V. (De Nederlandsche Bank-licensed Electronic Money Institution) serves EEA clients via a Dublin-based subsidiary (Clear Currency Europe Ltd), and Visa Global Services Inc. (VGSI, NMLS ID 181032) serves US clients via Clear Treasury Consulting Ltd. KYC and compliance checks are conducted in-house for UK onboarding.

Clear Treasury generates revenue primarily through margin added to interbank exchange rates on FX transactions, with payment processing fees as a secondary stream. Distribution combines direct online signup (self-serve), dedicated account management (sales-led), API embedding (channel/partner), and referral partnerships with industry associations such as ISME. The company appears to be founder/management-owned with no disclosed external funding rounds, institutional investment, or parent company.

Name

Clear Treasury

Legal name

Clear Treasury (UK Trading) Limited

Website

https://cleartreasury.co.uk

Company type

Private

Founded year

2010

Operating status

Operating

Headcount range

11–50 employees

Short description

Clear Treasury is a UK FCA-regulated payment institution providing international payments, FX risk management, and FX strategy services to individuals, SMEs, corporates, and institutional clients across 35 currencies and 130+ countries, with an embedded FX Payments API for fintech partners.

Ownership category

akta.pro rank

Product category

Foreign Exchange & Cross-Border Payments

NAICS

Financial Transactions Processing, Reserve, and Clearinghouse Activities (52232), Financial Transactions Processing, Reserve, and Clearinghouse Activities (522320)

SIC

Finance Services (6199), International Affairs (9721)

akta.pro primary industry

Cross-Border FX, Multi-Currency & Treasury for Payments (FSAGABAK)

akta.pro secondary industries

Treasury & Risk Management Solutions (FX/MM, hedging, TMS integration) (FSABAIAE), Embedded FX & Cross-Border Treasury (FSAGALAG), Corporate Cash Management & Treasury Services (FSAMAOAA)

Keywords

• International payments
• Foreign exchange services
• FX risk management
• Cross-border payments
• FX payments API

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. FX Margin / Spread: Clear Treasury earns revenue by adding a margin on top of the interbank exchange rate received from banking counterparties. Spot Rates are calculated by adding this margin to wholesale rates.
2. Payment Processing Fees: Fees for executing payments on behalf of clients. The company offers live competitive exchange rates with no payment fees for some services.

Go-to-market motion2 records

Distribution channels4 records

Marketing channels4 records

Core offering

Clear Treasury provides international payment and foreign exchange services that enable businesses and individuals to send and receive currency in 35 currencies across 130+ countries via a secure online platform. Its offering pairs an FX strategy and risk management service (forward contracts, spot contracts, limit and stop loss orders) with an embedded FX Payments API that allows partners and fintechs to integrate automated cross-border payments directly into their own platforms.

Product overview

Clear Treasury offers a unified international payments and FX management platform consisting of core services (International Payments, FX Risk Management, FX Strategy) and an FX Payments API for embedded integration. The platform supports transfers in 35 currencies to 130+ countries. Key financial instruments include Spot Contracts (immediate settlement), Forward Contracts (future rate locking up to 12 months), Limit Orders (rate-triggered execution), Stop Loss Orders (risk mitigation triggers), and Market Orders (predetermined rate triggers). The offering also includes Currency Consultation services for strategy development.

Differentiator

Problem solved

Functional benefit

Products and services

• International Payments Online FX payment service that enables businesses and individuals to send domestic and international currency transfers in 35 currencies to 130+ countries with live competitive exchange rates, no payment fees, and FCA-authorised processing.
• FX Risk Management FX risk management solution for businesses exposed to currency volatility, combining spot contracts (settlement within 2 business days), forward contracts (up to 12 months), limit orders (rate-triggered execution), and stop loss orders (risk-mitigation triggers) under one offering.
• FX Strategy Consultative FX strategy service that walks businesses through a four-step approach — identifying transactional, translational, or economic risk; assessing exposure; devising a hedging strategy; and continuously reviewing performance.
• FX Payments API Embedded API that lets businesses, fintechs, trade finance companies, FX aggregators, and SPVs integrate end-to-end FX payments (35 currencies, 130 countries), live rates, statements, beneficiary creation, and payment instruction into their own platforms with customizable branding and UX.
• Currency Consultation Free consultation service in which Clear Treasury's currency specialists analyse a client's historical foreign exchange transactions and recommend a tailored currency strategy to reduce costs on international transfers.

Quantifiable outcome

• 35 currencies supported for international payments
• +1 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature6 records

Partnerships

Six partnerships are on record, tiered core and minor.

• CurrencyCloud B.V.coreImplementation/ SI/ Consulting PartnerFor EEA-based clients, CurrencyCloud B.V. provides issuance of e-money and related payment services. CurrencyCloud is licensed and regulated by De Nederlandsche Bank as an Electronic Money Institution (Relation Number: R142701).
• Visa Global Services Inc. (VGSI)coreTechnology or IntegrationFor US-based clients, VGSI provides payment services as a licensed money transmitter (NMLS ID 181032). VGSI is licensed by the New York Department of Financial Services and registered as MSB with FinCEN and FINTRAC.
• GoodwilleminorGTM or Marketing PartnerBusiness partner featured on Clear Treasury's partner page. Nature of partnership involves creating mutually beneficial industry relationships.
• Cambridge CleantechminorGTM or Marketing PartnerCleantech industry association partner. Cambridge Cleantech supports the development of clean technology businesses in the Cambridge area.
• EFMminorGTM or Marketing PartnerPartnership featured on Clear Treasury's partner page, suggesting mutually beneficial industry relationship for delivering exceptional service.
• ISME (Irish Small & Medium Enterprises Association)coreGTM or Marketing PartnerISME is the only truly independent association for Irish SMEs. They partner with Clear Treasury because it offers great rates and sound advice important to SMEs growing through international trade.

Scale indicators3 records

Recent moves6 records

Expansion highlights5 records

Direct peers

• OFX: OFX is a publicly listed specialist in international money transfers and FX risk management for businesses and individuals, offering spot, forwards, limit orders, and a payments API — the closest direct analogue to Clear Treasury at larger scale.
• Wise: Wise (formerly TransferWise) is a leading cross-border payments platform serving consumers, SMBs, and enterprises with multi-currency accounts and an API for embedded use — a direct competitor across all of Clear Treasury's customer segments.
• WorldFirst: WorldFirst, owned by Ant Group, provides international payments and FX solutions to SMEs and platforms globally — directly comparable to Clear Treasury's corporate FX payments and risk management offering.
• TorFX: TorFX is a UK-based specialist FX broker offering personal and business international payments with dedicated account managers — a direct competitor in Clear Treasury's home UK market with very similar GTM motion.
• Moneycorp: Moneycorp is a UK-based FX and international payments specialist serving both individuals and businesses with spot, forward, and hedging products — closely comparable to Clear Treasury in scope, geography, and target customer profile.
• Equals Group: Equals Group (formerly FairFX) is a UK-listed payments and FX platform serving corporate, consumer, and B2B partner needs with multi-currency accounts and cards — comparable in product breadth and UK market focus.

Broad incumbents

• Revolut Business: Revolut Business offers multi-currency accounts, international payments, and FX for SMEs as part of a broader consumer and business neobank suite — a broad incumbent competing with Clear Treasury for SMB cross-border payments.
• Western Union Business Solutions: Western Union Business Solutions (now part of Convera / Western Union's B2B arm) provides international payments, FX, and risk management to corporates — a broad incumbent overlapping with Clear Treasury's corporate and SMB segments.
• Corpay (Cambridge Global Payments): Corpay, which acquired Cambridge Global Payments, is a major cross-border payments and FX risk management provider serving corporates globally — a broad incumbent with comparable FX hedging and treasury offerings.

Emerging players

• Currencycloud: Currencycloud, now owned by Visa, provides cross-border payments infrastructure and FX APIs to fintechs and banks — both an infrastructure partner for Clear Treasury (EEA clients) and an emerging competitor in embedded FX.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/cleartreasury

Compliance4 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles4 records

Subsidiaries2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Clear Treasury