What stream money does

Stream Money is a private fintech group that delivers payment infrastructure across three product lines: a payment orchestration platform (Stream Wave) connecting merchants to 200+ payment service providers, banks, acquirers, and gateways via a single API; business payment accounts (Stream Current) offering multi-currency IBAN, SWIFT/BIC, currency exchange, and multi-entity management; and regulated OTC and digital asset services handled through StreamDigital sp. z o.o in Poland. The group operates through three affiliated entities — Stream Ventures Ltd (UK, technology services), StreamDigital sp. z o.o (Poland, EU VASP registration RDWW-1191), and Snowcap Financial Ltd (Canada, FINTRAC MSB C100000166) — and relies on a referral relationship with Equals Money Plc for FCA-regulated e-money and Mastercard card issuance. Its platform is built around a one-and-done API integration, PCI-DSS compliance, and emerging-market payment method coverage spanning 38 countries with dedicated IBANs from Canada to South Africa and Brazil to Japan.

The business model combines transaction fees on orchestration, FX, and OTC digital-asset flows with subscription-style fees on business accounts, though pricing is quote-based with no public tiers. Go-to-market is dual-track: an API-first self-serve integration path for mid-market merchants with technical teams, paired with an enterprise field-sales motion targeting financial institutions, fintechs, gaming operators, FX brokers, e-commerce platforms, and digital asset companies. AI/ML capabilities are embedded in fraud detection, intelligent routing, predictive analytics, and customer support chatbots, though described at a feature level rather than as proprietary models. The company maintains a lean team with only two active job postings (Senior Full Stack Developer and Salesperson) and no disclosed funding, revenue, or institutional ownership.

Name

stream money

Legal name

Stream Ventures Ltd, StreamDigital sp. z o.o and Snowcap Financial Ltd trading as Stream Money

Website

https://stream.money

Company type

Private

Operating status

Operating

Short description

Stream Money is a private fintech group providing payment orchestration, multi-currency business accounts, FX, and regulated digital-asset services to B2B merchants across 38 countries via a single API integration.

Ownership category

akta.pro rank

Product category

Payment Orchestration & Cross-Border Payments Infrastructure

NAICS

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

SIC

Finance Services (6199)

akta.pro primary industry

Alternative Payment Methods (APM) Enablement (Wallets, A2A, Local Rails) (FSAGABAJ)

akta.pro secondary industries

Embedded Payments (Pay-ins, Pay-outs, Wallets) (FSAGALAB), Bank-to-Bank Transfers & Pay-by-Bank (Consumer & Merchant) (FSAMAFAC), Cross-Border B2B2C Payouts (Mass Payouts, Gig/Creator, Marketplace) (FSAGAKAC)

Keywords

• Payment orchestration platform
• Cross-border payments
• Business payment accounts
• FX and treasury services
• Digital asset services

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

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

Revenue model

1. Payment Orchestration Services: Revenue generated through payment processing orchestration connecting merchants with multiple payment service providers. The platform provides access to hundreds of PSPs across global markets and charges for facilitating transactions between merchants and payment networks.
2. Multi-Currency and FX Services: Currency exchange and international transfer services with IBAN and SWIFT/BIC account details. Revenue from competitive interbank rate exchanges and international transfer facilitation.
3. Business Payment Account Services: Business account services including salary payments, tax payments, supplier payments, and built-in analytics for cash flow management.
4. Digital Asset Services: OTC and related digital asset services through regulated EU entity (StreamDigital sp. z.o.o) with VASP registration.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels6 records

Core offering

Stream Money provides a B2B payment orchestration platform that connects merchants with hundreds of payment service providers, banks, acquirers, and gateways through a single API integration ("one-and-done"), supporting ecommerce, fintech, and iGaming sectors across 38+ countries. It complements this with multi-currency business payment accounts featuring IBAN/SWIFT, FX at interbank rates, and multi-entity management, and offers regulated digital asset/OTC services through its Polish VASP entity. AI/ML is applied to fraud detection, intelligent payment routing, predictive analytics, and automated reconciliation.

Product overview

Stream Money provides financial infrastructure and payment technologies in three areas: Global Payments & Payments Orchestration, Business Payment Accounts, and digital asset services. The core offering is the Payments Orchestration Platform (Stream Wave brand) which provides a single integration to hundreds of payment service providers, banks, acquirers, and gateways globally. Business Payment Accounts (Stream Current brand) complements the orchestration platform by offering business account capabilities including IBAN, SWIFT, currency exchange, and multi-entity management. StreamDigital sp. z o.o handles digital assets and OTC services. The platform supports payments across ecommerce, fintech, and iGaming sectors in countries from Canada to South Africa and Brazil to Japan.

Differentiator

Problem solved

Functional benefit

Brands

• Stream Wave: Payments orchestration platform sub-brand offering global payments and payments orchestration services
• Stream Current

Products and services

• Global Payments & Payments Orchestration (Stream Wave) A scalable global payments and payments orchestration platform that connects merchants with hundreds of payment service providers, banks, acquirers, and gateways through a single one-and-done API integration. Provides access to PSPs across ecommerce, fintech, and iGaming sectors with IBAN accounts for 38 countries, supporting alternative payment methods including UPI, Mobile Money, digital wallets, credit cards, and stablecoins. Built for B2B merchants including international conglomerates and bootstrapped startups.
• Business Payment Accounts (Stream Current) Business accounts designed for efficient, controlled global money management. Includes IBAN and SWIFT/BIC account details for international transfers, currency exchange at competitive interbank rates, multi-company management, built-in analytics for cash flow management, fraud prevention, and 24/7 customer support. Enables salary payments, tax payments, and supplier payments for B2B clients.
• Digital Asset Services (OTC) Regulated OTC and related digital asset services delivered through StreamDigital sp. z o.o, an EU Virtual Asset Service Provider registered in Poland. Enables digital asset payments, stablecoin settlements, and virtual asset transfers for B2B clients dealing in cryptocurrency and blockchain-based payments.

Quantifiable outcome

• 85% increased approval rates
• +2 more outcomes

Segments6 records

Ideal customer profiles4 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

AI capability7 records

Feature9 records

Partnerships

Five partnerships are on record, tiered core.

• Equals Money PlccoreStrategic or Co-development PartnerEquals Money Plc is FCA authorized Payment Institution (FRN 488396) that provides Electronic Money Institution services to Stream Money clients. Snowcap Financial Limited (Stream Money entity) acts as an introducer to Equals Money for regulated EMI services. Cards are issued by Equals Money International Limited pursuant to Mastercard International Inc. license.
• Equals Money International LimitedcoreStrategic or Co-development PartnerFCA authorized Electronic Money Institution (FRN 900493) that issues Mastercard cards under license from Mastercard International Inc. Provides electronic money services to Stream Money clients under direct contractual relationship.
• Mastercard International IncorporatedcoreTechnology or IntegrationMastercard provides payment network infrastructure and card issuance licensing to Equals Money International Limited. Stream Money cards are issued pursuant to Mastercard International Inc. license. Mastercard is a registered trademark.
• FINTRAC (Financial Transactions and Reports Analysis Centre of Canada)coreOthersCanadian financial intelligence unit that registers Money Service Businesses. Snowcap Financial Limited is registered as MSB (C100000166) with FINTRAC, enabling legal operation of money services in Canada.
• ICO (Information Commissioner's Office)coreOthersUK data protection regulator. Stream Ventures Ltd is registered with ICO under ZB980797, demonstrating compliance with UK GDPR data protection requirements.

Scale indicators5 records

Recent moves6 records

Expansion highlights6 records

Others

• Checkout.com:
• Equals Money (formerly Equals): FCA-authorized EMI and Mastercard issuer that provides Stream Money's regulated e-money rails and card issuance. A partner rather than competitor, included because it defines Stream's go-to-market capacity and is the regulated layer beneath Stream's offering.

Direct peers

• PPRO: APM aggregation and orchestration infrastructure for PSPs, acquirers, and platforms needing local payment methods globally. Directly comparable as APM-enablement infrastructure underneath merchants and platforms, similar to Stream Money's alternative-payment-method focus.
• Primer: Payment orchestration platform offering a unified API to connect multiple PSPs and acquirers, with intelligent routing and a developer-first workflow. Directly comparable to Stream Wave's single-integration orchestration value proposition and target merchant segments.
• Gr4vy: Cloud-native payment orchestration platform that lets merchants route transactions across many PSPs via a single API, with a rules engine for routing and failover. Directly comparable in product surface and merchant use case to Stream Money's orchestration core.
• Cellpoint Digital: Payment orchestration vendor serving travel, ecommerce, and other high-volume merchants with multi-PSP routing and APM enablement. Comparable to Stream Money's high-risk and travel-adjacent vertical mix and APM-led approach.
• APEXX Global: Orchestration and APM enablement platform focused on enterprise merchants needing alternative payment methods and global acquiring. Overlaps with Stream Money's APM breadth and one-integration positioning.

Broad incumbents

• Adyen: Unified global payments platform providing processing across cards and APMs via a single integration, with strong multi-currency and cross-border capabilities. Functions both as an acquirer/processor and a de facto orchestrator for large merchants.
• Payoneer: Cross-border B2B payments and multi-currency business accounts provider, serving marketplaces, freelancers, and SMBs with international payouts and FX. Comparable to Stream Money's Stream Current multi-currency business accounts and FX services.
• Nuvei: Large fintech providing global payments, APMs, and acquiring with strong presence in iGaming and high-risk verticals — directly adjacent to Stream Money's core segments. A broader incumbent offering orchestration implicitly through its stack.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/stream-otc-orchestration/?originalSubdomain=uk

Compliance5 records

Revenue estimate

Valuation estimate

Number of profiles

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 stream money