“Can a single FCA-authorised payments infrastructure provider become the definitive settlement, virtual account, FX and SWIFT access layer for regulated fintechs, PSPs and banks operating across the UK, EU and global corridors?”
Founded in 2016, Clear Junction positioned itself as B2B payments infrastructure for regulated financial institutions — PSPs, EMIs, open banking vendors, fintechs and banks — rather than a consumer-facing product. The company built proprietary rails for UK and EU payment schemes (Faster Payments, CHAPS, SEPA, SEPA Instant, Bacs) and added virtual IBAN issuance for reconciliation at scale. In 2025 it significantly expanded its SWIFT/multi-currency and FX offering to enable full two-way international connectivity, cementing its role as a single-partner settlement and treasury infrastructure provider for licensed financial institutions operating cross-border.