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Clear Junction

Provider
BaaSFX / Payouts

Embedded-finance provider tracked in the Embedded Finance Index — disclosed by 4 companies across 2 categories.

clearjunction.com ↗Also analysed as a company — its own stack →
CategoriesBaaS, FX / Payouts
Rank#51 of 179 in FX / Payouts
Buyers4 companies
HeadquartersLondon, England, United Kingdom
Founded2016

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Founders & story · from Clear Junction’s own dossier

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.

Recent developments
  • 2025-11Clear Junction launched initial multi-currency SWIFT service for incoming payments. source ↗
  • 2026-01Clear Junction expanded SWIFT connectivity to full two-way service across 11 currencies with named accounts, outbound payments and integrated FX conversion. source ↗
  • 2025-01Clear Junction and Axius Global announced a partnership to enhance customer offering. source ↗
  • 2025-07-01Extended virtual-IBAN access to licensed virtual asset service providers (VASPs). source ↗
Full dossier: Clear Junction’s own stack, layer by layer →
Who uses Clear Junction
4 companies disclose Clear Junction in their stack
RaenestCoins.phPayopMuthoot Fincorp
Buyer mix · 4 of 4 classified
Fintech / Cross-border payments · 1Fintech / Crypto · 1Fintech / Lending · 1Infrastructure / Payments · 1
Canada · 2APAC · 2
What the disclosures say
Raenest
“Homepage footer: 'Banking services in the UK are provided by Clear Junction Ltd, authorised and regulated by the FCA as an Electronic Money Institution.'”
Coins.ph
“Clear Junction provides named virtual IBANs with EUR/GBP rails (SEPA, SEPA Instant, UK Faster Payments) for corporate clients.”
Payop
“IBS Intelligence publicly lists Payop as a Clear Junction customer for access to European payment networks (ibsintelligence.com/ibsi-news/payop-partners-with-clear-junction-to-access-european-payment-networks/).”
Muthoot Fincorp
“Clear Junction case study (clearjunction.com/blog/muthoot/): 'Clear Junction has been providing correspondent banking services to Muthoot Group to boost Muthoot GlobalPay's remittance services.' Send Money Abroad page (muthootfincorp.com/product/payment-and-services/send-money-abroad) and Forex page (one.muthootfincorp…”
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Alternatives to Clear Junction

Other FX / Payouts providers in the index, by the number of companies that disclose them. A count of public disclosures, not a ranking of the products.

Currencycloud81 buyers →Airwallex80 buyers →Nium67 buyers →Wise Platform58 buyers →Stripe49 buyers →Convera33 buyers →Adyen26 buyers →Visa Direct23 buyers →
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Ranked #51 of 179 in FX / Payouts — Embedded Finance Index 2026
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Clear Junction — frequently asked

Which companies use Clear Junction?

4 companies are linked to Clear Junction in the Embedded Finance Index 2026, through their own public disclosures or Clear Junction's published customer list, including Raenest, Coins.ph, Payop and Muthoot Fincorp.

What does Clear Junction do?

Clear Junction is an embedded-finance provider in BaaS and FX / Payouts. It ranks #51 of 179 FX / Payouts providers by linked companies.

What are the alternatives to Clear Junction?

The most-named FX / Payouts alternatives to Clear Junction are Currencycloud (81 buyers), Airwallex (80 buyers), Nium (67 buyers), Wise Platform (58 buyers), Stripe (49 buyers) and Convera (33 buyers).

Where is Clear Junction headquartered?

Clear Junction is founded in 2016 and headquartered in London, England, United Kingdom.

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