Ebury

The primary goal of Ebury is to simplify international trade for businesses by providing a unified platform for multi-currency payments, FX risk management, and business lending, reducing the friction and cost associated with global expansion.

Businesses can participate by signing up for an Ebury account to access global payment rails. Developers can contribute or build on top of Ebury's ecosystem by utilizing the Ebury API to integrate FX and international payment functionalities into their own applications.

Ebury differentiates itself by combining the agility of a fintech startup with the regulatory weight of a major bank (Santander). Its ability to handle complex 'exotic' currencies and its recent move into regulated stablecoin settlements give it a significant edge over traditional banks and retail-focused crypto exchanges.

Yes, Ebury implements bank-grade security measures, including 2-factor authentication (2FA), multi-level encryption, and strict safeguarding rules where client funds are held in separate accounts. It is regulated by national authorities (such as the FCA in the UK and Banco Central do Brasil) in every jurisdiction where it operates.

Risks include currency market volatility, which can affect the value of held assets, and the evolving regulatory landscape for virtual assets. Ebury manages these through its robust compliance framework and by offering hedging products to protect clients from adverse exchange rate movements.