← Embedded Finance Index 2026

Centtrip

“Can a niche multi-currency treasury platform for music, yachts and film extend into embedded lending and become the financial OS for internationally mobile creative businesses?”

Founded2013
HQLondon, United Kingdom
IndustryFintech / Cross-border payments
The story

Centtrip was founded in 2013 by veterans of UK corporate FX brokerages to serve internationally mobile, high-touch verticals — music tours, superyachts, film crews, private aviation — that need to move and spend money across many currencies at short notice. Its product wrap is a multi-currency e-money account plus a prepaid Mastercard, with FX rates intermediated via Currencycloud. The 2024+ RoyFi partnership signals a push beyond pure spend/FX into embedded financing (royalty advances), turning Centtrip from a treasury tool into a financial OS for the creative class.

Last 12 months
2024-07
Product timeline
0
Launched Centtrip Prepaid Mastercard with PFSL as UK issuer.· card
0
Partnered with Currencycloud for FX execution and Adyen as EEA card issuer/safeguarding partner.· banking
0
Expanded to USA with Visa prepaid product offering.· card
0
Announced RoyFi partnership to offer royalty advance financing to artists.· lending
2013
Centtrip Limited founded in London as a multi-currency treasury and FX provider for internationally mobile businesses.· pivot
Regulated entities
1
regulatory licence held by Centtrip
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
7 layers disclosed in Centtrip’s embedded-finance stack
Payments / PSP
AdyenCenttrip multi-currency account (self-operated)
Banking / BaaS
in the full report
Card issuing
in the full report
Lending
in the full report
Sponsor bank
in the full report
FX & payouts
in the full report
Accounting
in the full report
Accounting gap: minor
8 more providers across 6 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.