# 3S Money

> 3S Money is a London-founded, regulated cross-border payments platform that gives international businesses a single digital account to send, receive and exchange money across 190+ countries and 65+ currencies. It pairs local IBANs and SWIFT/SEPA connectivity with a dedicated human Relationship Manager for each client, positioning itself as a bank alternative for companies with complex or hard-to-serve international payment needs.

- **Founded:** 2018
- **Headquarters:** London, United Kingdom
- **Founders:** Ivan Zhiznevsky (Co-founder & CEO), Eugene Dugaev (Co-founder & CTO), Andrei Dikouchine (Co-founder)
- **Team size:** ~200-260 employees
- **Products:** Global Business Account, Multi-Currency Accounts, Foreign Exchange, Batch Payments, Dedicated Relationship Manager
- **Notable:** Reached break-even in 2020, roughly two years after launch, Grew revenue by about 400% in 2021, Processed over $3bn in client payments in a single year

## Products & services

- **Global Business Account** — A single digital account letting companies send, receive and exchange payments across 190+ countries and territories, with local IBANs issued in the company's own name.
- **Multi-Currency Accounts** — Hold and transact in 65+ currencies including USD, EUR, GBP, CNY, AED, INR and all African currencies, versus the roughly 10 major currencies typical of traditional banks.
- **Foreign Exchange** — Mid-market exchange rate plus a small markup, marketed as up to 75% cheaper than traditional banking FX.
- **Batch Payments** — Bulk payment instructions created in Excel or exported from accounting/ERP systems, then uploaded to the account to pay many beneficiaries at once.
- **Dedicated Relationship Manager** — Every account is paired with a named human Relationship Manager across the company's international offices - a private-bank style service model.
- **SWIFT, SEPA & Faster Payments Connectivity** — Access to major global and local payment rails for fast, no-value-limit international transfers.

## Achievements

- Reached break-even in 2020, roughly two years after launch
- Grew revenue by about 400% in 2021
- Processed over $3bn in client payments in a single year
- Secured regulated status in the UK, Luxembourg and Dubai's DIFC
- Named in the FEBE Growth 100 list of fastest-growing UK founder-led businesses (2023)
- Serves 2,700+ businesses across industries from software to commodity trading

## Latest updates

- **2023-04** — Featured in The National's Generation Start-up on how it is changing business payments, citing $300m/month in client flows and a London-to-Dubai expansion.
- **2022-06** — Granted a DIFC Money Services licence by the DFSA and launched its Middle East HQ in Dubai International Financial Centre, led by MENA CEO Evangelos Kaldelis.
- **2021-04** — Raised £3m Series B led by TMT Investments at a £48.12m post-money valuation.

## Links

- Website: https://3s.money
- LinkedIn: https://www.linkedin.com/company/3s-money
- Instagram: https://www.instagram.com/3s.money/
- Facebook: https://facebook.com/3smoney/

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Profile page: https://yespress.io/3s-money
Published by YesPress — https://yespress.io
Last updated: 2026-08-03