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INDUSTRIES · WHERE THE MONEY ACTUALLY BREAKS

Five industries. Five different places a cross border payment fails.

The rail is the same for everyone. What differs is the point in it where your business loses value, time or the ability to reconcile. Forty-eight sectors sit inside these five profiles — find yours below.

FAILURE POINT CONSOLEAUTO CYCLING
INSTRUCTION
SENDING RAIL
CORRESPONDENT CHAIN
RECEIVING BANK
LEDGER POSTING
FAILS AT CORRESPONDENT CHAIN

An intermediary takes a fee inside the correspondent chain. Your supplier posts a short payment against the invoice and holds the next shipment until the difference is covered.

ILLUSTRATIVE: 15 TO 45 USD LOST PER LEG, PLUS THE RELEASE DELAY
WHAT WE CHANGE

Settlement runs on a local rail inside your supplier's own market, so there is no correspondent leg to deduct from. The full invoice value posts to their account.

FASTER PAYMENTS · SEPA · ACH · EFT · UAEFTS · IPP

Illustrative. Deduction points and holds depend on the receiving institution and the rail used. Instructions are accepted 24/7 with no cut-off. Settlement follows the receiving rail's operating schedule.

Who we onboard.

FIVE PROFILES · 48 SECTORS
IMP · IMPORTERSImportersRecurring supplier settlement where short payments hold the next release.BREAKS AT CORRESPONDENT CHAIN · 10 SECTORSOpen →EXP · EXPORTERSExportersTrade receipts that arrive without the payer context finance needs.BREAKS AT LEDGER POSTING · 2 SECTORSOpen →WHL · WHOLESALERSWholesalers and distributorsHigh frequency payables across two or more currencies every week.BREAKS AT INSTRUCTION · 12 SECTORSOpen →MFG · MANUFACTURERSManufacturersComponent and raw material payments tied to shipment documents.BREAKS AT RECEIVING BANK · 23 SECTORSOpen →FRT · FREIGHTFreight and logisticsDemurrage, freight and agent payments that cannot wait on a chain.BREAKS AT SENDING RAIL · 1 SECTORSOpen →
ALL SECTORS
Aerospace ComponentsMANUFACTURERSREAD THE PAGE →Agricultural EquipmentMANUFACTURERSREAD THE PAGE →Artisan & Craft ProductsEXPORTERSREAD THE PAGE →Automotive Parts ImportMANUFACTURERSREAD THE PAGE →Beauty & Cosmetics ImportWHOLESALERS AND DISTRIBUTORSREAD THE PAGE →Chemical ManufacturingMANUFACTURERSREAD THE PAGE →Coffee ImportersIMPORTERSREAD THE PAGE →Commodity ImportersIMPORTERSREAD THE PAGE →Construction MaterialsMANUFACTURERSREAD THE PAGE →Defence & Security ContractorsMANUFACTURERSREAD THE PAGE →E-commerce & Cross-Border RetailWHOLESALERS AND DISTRIBUTORSREAD THE PAGE →Electronics DistributionWHOLESALERS AND DISTRIBUTORSREAD THE PAGE →Fitness EquipmentMANUFACTURERSREAD THE PAGE →Food & Beverage ImportIMPORTERSREAD THE PAGE →Footwear DistributionWHOLESALERS AND DISTRIBUTORSREAD THE PAGE →Freight ForwardingFREIGHT AND LOGISTICSREAD THE PAGE →Furniture & Home GoodsMANUFACTURERSREAD THE PAGE →Hospitality EquipmentMANUFACTURERSREAD THE PAGE →HVAC EquipmentMANUFACTURERSREAD THE PAGE →Industrial Tools & EquipmentMANUFACTURERSREAD THE PAGE →Jewelry & Precious MetalsIMPORTERSREAD THE PAGE →Leather Goods ImportIMPORTERSREAD THE PAGE →Lighting & Electrical ProductsWHOLESALERS AND DISTRIBUTORSREAD THE PAGE →Luxury Goods TradingIMPORTERSREAD THE PAGE →Machinery & EquipmentMANUFACTURERSREAD THE PAGE →Manufacturing ExportersEXPORTERSREAD THE PAGE →Marine & Shipping EquipmentMANUFACTURERSREAD THE PAGE →Mining EquipmentMANUFACTURERSREAD THE PAGE →Musical InstrumentsWHOLESALERS AND DISTRIBUTORSREAD THE PAGE →Office Equipment & SuppliesWHOLESALERS AND DISTRIBUTORSREAD THE PAGE →Oil & Gas EquipmentMANUFACTURERSREAD THE PAGE →Packaging MaterialsWHOLESALERS AND DISTRIBUTORSREAD THE PAGE →Pet Products ImportWHOLESALERS AND DISTRIBUTORSREAD THE PAGE →Pharmaceutical & Medical SuppliesIMPORTERSREAD THE PAGE →Plastics & PolymersMANUFACTURERSREAD THE PAGE →Printing & PublishingWHOLESALERS AND DISTRIBUTORSREAD THE PAGE →Railway EquipmentMANUFACTURERSREAD THE PAGE →Renewable Energy EquipmentMANUFACTURERSREAD THE PAGE →Scientific EquipmentMANUFACTURERSREAD THE PAGE →Seafood ImportIMPORTERSREAD THE PAGE →Security EquipmentMANUFACTURERSREAD THE PAGE →Sports Equipment DistributionWHOLESALERS AND DISTRIBUTORSREAD THE PAGE →Telecommunications EquipmentMANUFACTURERSREAD THE PAGE →Textile & Garment TradingIMPORTERSREAD THE PAGE →Timber & Wood ProductsMANUFACTURERSREAD THE PAGE →Toys & Games ImportWHOLESALERS AND DISTRIBUTORSREAD THE PAGE →Water Treatment EquipmentMANUFACTURERSREAD THE PAGE →Wine & Spirits ImportIMPORTERSREAD THE PAGE →

Industry pages are educational context for payment pressure by sector. Route availability, currency, screening, and timelines vary by corridor, beneficiary bank, and compliance review.

THE BOUNDARY

Trade payments only.

Every account funds and settles against commercial activity you can evidence. Activity outside that is declined at onboarding or closed if it appears later.

VIRTUAL ASSETS AND CRYPTO
GAMBLING AND GAMING
ARMS AND DUAL USE GOODS
UNLICENSED MONEY TRANSMISSION
SANCTIONED JURISDICTIONS
PERSONAL AND FAMILY TRANSFERS

Tell us where your payments break. We will tell you the rail that removes it.

Applications open to businesses moving $1M or more a year. A named specialist reviews your corridors and counterparties before accounts are issued.

Apply to onboardCompliance and pricing pack →
GBP · EUR · USD · AED · CAD · APPLICATIONS OPEN GLOBALLY, SUBJECT TO APPROVAL
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