“Can an orchestration layer monetize FX flows by embedding hedging and multi-currency rails inside every ERP, bank, and PSP rather than competing on conversion spread?”
okoora began as a cross-border currency management platform serving SMBs directly, then evolved into an embedded FX infrastructure layer (FX360) that banks, PSPs, ERPs, and lending platforms run inside their own systems. The company orchestrates regulated third-party banking and liquidity providers (notably Airwallex) rather than holding all licenses itself, positioning as a B2B2X infrastructure orchestrator.
okoora discloses Airwallex and FX360 (in-house orchestration) as its banking providers, according to the Embedded Finance Index 2026.
okoora does not disclose a bank charter of its own; its banking services are provided through Airwallex and FX360 (in-house orchestration).
okoora processes payments through Airwallex.
okoora uses Airwallex and FX360 (in-house) for FX and cross-border payouts.
The Embedded Finance Index 2026 maps 4 layers in okoora's stack: Payments / PSP (Airwallex); Banking / BaaS (Airwallex and FX360 (in-house orchestration)); Unified APIs (Apideck and Airwallex); FX & payouts (Airwallex and FX360 (in-house)).
okoora is headquartered in Israel.
Get a read on where your own stack stands against okoora and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.