multi-currency-accounts
(9)
Corpay's $13 Billion Bet: Make Foreign Exchange Boring for Everyone Else
The Toronto payments operator stitched together decades-old FX firms, a global banking network and a very human service model. Mastercard's $300 million investment says the unglamorous plumbing may be the valuable part.
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.
Sourav Choraria
Sourav Choraria is the co-founder and CEO of Infinity (YC W24), a Bengaluru business banking platform that helps cross-border SMBs and startups send and receive international payments with multi-currency accounts, flat fees, and no FX markup. He built it with his brother Sidharth after watching their family business lose money to slow, opaque international transfers. Before Infinity he was head of growth at Paytm Money, where he helped scale the wealth platform to 20 million monthly users and launched India's first fixed-deposit-backed credit card.
Coba
Coba is a cross-border financial infrastructure company built for businesses moving money between the United States and Mexico. It started in 2023 as a dual-currency consumer account for Latin American remote workers earning in dollars, and has since pivoted to B2B: multi-currency accounts, CLABE-enabled Mexican peso accounts for US companies, sub-24-hour carrier settlements, and embedded FX rails routed through banking partners, SPEI, ACH, SWIFT, wires, and stablecoins. Its sharpest focus is the US-Mexico freight and logistics corridor, where brokers and carriers have long been underserved by slow, opaque cross-border banking.
Infinity
Infinity is a Bengaluru-based cross-border payments platform that lets Indian freelancers, exporters, and small businesses receive money from global clients through multi-currency virtual accounts. It converts foreign payments to INR at live FX rates with a flat 0.5% all-inclusive fee, settles funds in about a day, and handles RBI compliance paperwork like FIRA automatically. Founded in 2024 by brothers Sourav and Sidharth Choraria, the company is part of Y Combinator's Winter 2024 batch.
Waza
Waza is a Y Combinator-backed (W23) B2B payments and liquidity platform that helps businesses in emerging markets - starting with Nigeria and Ghana - pay global suppliers, hold multi-currency balances, and access USD without the friction of traditional correspondent banking. Founded in 2023 by fintech veterans Maxwell Obi and Emmanuel Igbodudu, the company processes hundreds of millions of dollars in annual payment volume and in 2025 launched Lync, a multi-currency banking product positioned as an alternative to Mercury for African startups.
Finmo
Finmo is a Singapore-based fintech building a Treasury Operating System (TOS) - a single, API-driven platform that unifies global payments, multi-currency accounts, cash visibility and forecasting, FX risk management, and working-capital optimisation for finance teams. Founded in 2021 and led by CEO David Hanna, the company holds payment licenses across multiple markets and raised an oversubscribed US$18.5 million Series A in February 2025, bringing total funding to roughly US$27 million.
VelaFi
VelaFi is a stablecoin-powered financial infrastructure platform that helps enterprises move money across borders quickly and at lower cost. Built out of TruBit Business, the B2B unit of Galactic Holdings, VelaFi connects local banking rails, cross-border networks and major stablecoin protocols to offer on/off-ramps, pay-ins and pay-outs, multi-currency accounts, FX and treasury tools - delivered directly or through developer-first APIs. With roots in Latin America and operations across the U.S., Hong Kong and Singapore, the company says it has served hundreds of institutional clients and processed billions of dollars in payment volume. In January 2026 it raised a $20M Series B led by XVC and Ikuyo.
Interlace
Interlace is a Singapore-based fintech that lets companies issue branded physical and virtual cards through a single API, connecting to 30+ card BINs and bridging stablecoins with traditional banking rails. As a Visa Hong Kong Principal Member, it offers card-as-a-service, multi-currency business accounts, banking-as-a-service and crypto on/off ramps to over 12,000 enterprise clients across 180+ countries, having issued more than 6 million cards.