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Clear Junction

“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?”

Founded2016
HQLondon, England, United Kingdom
IndustryInfrastructure / Payments
The story

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.

Last 12 months
2025-11
2026-01
2025-01
Product timeline
2016
Clear Junction founded as FCA-authorised payment institution serving PSPs, marketplaces and banks with cross-border payments infrastructure.· banking
2022
Established EU presence via CJ Digital EU B.V. in the Netherlands to serve EU-regulated clients post-Brexit.· banking
2025
Launched initial multi-currency SWIFT service supporting incoming SWIFT payments across multiple currencies.· banking
2025
Expanded SWIFT connectivity to full two-way service across 11 currencies with named client accounts, outbound SWIFT payments and integrated FX conversion.· banking
2025
Obtained ISO/IEC 27001:2022 certification for information security management.· pivot
Regulated entities
2
regulatory licences held by Clear Junction
Licence types, jurisdictions and registered entities are in the Embedded Finance Index report.
The stack
4 layers disclosed in Clear Junction’s embedded-finance stack
Payments / PSP
Clear Junction (self-operated)
Money movement
in the full report
Banking / BaaS
in the full report
FX & payouts
in the full report
Accounting gap: none
5 more providers across 3 layers, with confidence-scored evidence and source URLs, are in the Embedded Finance Index report.