“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?”
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.
Centtrip discloses Centtrip Limited (in-house, FCA EMI) as its banking provider, with Adyen N.V. as its sponsor bank, according to the Embedded Finance Index 2026.
Centtrip does not disclose a bank charter of its own; its banking services are provided through Adyen N.V..
Centtrip processes payments through Adyen and Centtrip multi-currency account (self-operated).
Centtrip's cards are issued through Prepaid Financial Services (PFSL) for UK and Adyen N.V. for EEA.
Centtrip's lending and capital products are provided by RoyFi.
Centtrip uses Currencycloud for FX and cross-border payouts.
Centtrip integrates with QuickBooks Online and Xero.
The Embedded Finance Index 2026 maps 8 layers in Centtrip's stack: Payments / PSP (Adyen and Centtrip multi-currency account (self-operated)); Banking / BaaS (Centtrip Limited (in-house, FCA EMI)); Card issuing (Prepaid Financial Services (PFSL) for UK and Adyen N.V. for EEA); Lending (RoyFi and Royalty advances via RoyFi partnership); Sponsor bank (Adyen N.V.); FX & payouts (Currencycloud); Accounting (QuickBooks Online and Xero); Spend / AP (Centtrip (self-operated)).
Centtrip is founded in 2013 and headquartered in London, United Kingdom.
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