Currencycloud

Name: Currencycloud
Brand: Currencycloud

Currencycloud is a B2B cross-border payments and FX infrastructure provider that offers APIs and a web UI to integrate multi-currency wallets, collections, currency conversion, and outbound payments into platform and banking products.

Est 2012|Valuation $893M|Raised $159.6M|22 Ref Customers

LinkedIn 42K|Web traffic 70K|FTEs 294|HQ London, England, GB

MarketsCross-Border Payments Crypto Prime Brokerage & Institutional Trading

- Currencycloud vs Airwallex: Airwallex is competitive when buyers require both cross-border movement and broader spend/payments capabilities with published subscription tiers. Currencycloud is an option when a platform specifically requires a payments engine to embed and already operates other components such as ledgering or card programs. - Currencycloud vs Wise: Wise is commonly chosen for transparent FX and SMB usability; Currencycloud targets embedded rails for platforms. If deep platform capabilities are required for sub-accounts, named accounts, and flexible compliance workflows, Currencycloud may be closer to the requirement; if price transparency and direct SMB experience are the primary priorities, Wise is frequently selected.

01Competitive Landscape

Narrative analysis

Currencycloud vs Airwallex: Airwallex is competitive when buyers require both cross-border movement and broader spend/payments capabilities with published subscription tiers. Currencycloud is an option when a platform specifically requires a payments engine to embed and already operates other components such as ledgering or card programs.
Currencycloud vs Wise: Wise is commonly chosen for transparent FX and SMB usability; Currencycloud targets embedded rails for platforms. If deep platform capabilities are required for sub-accounts, named accounts, and flexible compliance workflows, Currencycloud may be closer to the requirement; if price transparency and direct SMB experience are the primary priorities, Wise is frequently selected.

Market share / adoption trends

Press coverage has reported historical customer counts and cited notable fintech customers; the vendor’s acquisition by a major payments firm indicates a strategic position in cross-border rails.

	Currencycloud	Airwallex	Wise Business
Starting Price	Not publicly listed (sales-led)	US: free entry-level plan; paid tiers available	One-time setup fee in some markets + variable transaction fees
Primary Use Case	Embedded cross-border payments/FX rails for fintechs & banks	Businesses and platforms needing accounts, cards, payables/expense tooling, and payments acceptance	SMBs wanting transparent FX and international transfers; Platform exists for partners
Key Strength	Modular APIs for collect/convert/pay/manage and an SDK ecosystem	Broader integrated suite (accounts, cards, payables/expense tooling, payments acceptance)	Price transparency and mid-market positioning (brand recognition)
Key Weakness	Limited public pricing transparency; reputational risk from reported frozen funds complaints	Platform can become complex; per-feature fees and custom pricing for APIs	Not a full finance ops suite; regional feature limitations may apply