KwiikPay
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The platform

Move money like the
internet moves data.

One API for vIBANs, FX, stablecoins and on-chain settlement. Routes payments through 30+ corridors, settles same-day, and reconciles automatically. Built on regulated rails.

Platform

Three products, one ledger. Engineered for institutional flow.

Explore the API
01 ——

Multi-currency vIBANs

Issue named IBANs in 40+ currencies. SEPA Instant, Faster Payments, Fedwire, SWIFT — under one ledger.

EURGBPUSDCHFJPYCADAUD+7
14
Settlement currencies
T+0
SEPA Instant
02 ——

FX & stablecoin conversion

Streaming bank-of-banks pricing in 30+ corridors. USDC/USDT/EURC settlement legs for crypto-native counterparties.

SpotForwardsUSDCUSDTEURCPYUSD
0.25–1.00%
FX margin range
30+
Corridors
03 ——

OTC desk & block settlement

Voice + chat coverage for tickets of £250k and above. Bilateral pricing, T+0 settlement, regulated counterparties only.

VoiceChat£250k+T+0Bilateral
£250k+
Min ticket
SGP · LDN · NYC
Desk coverage
Corridors

30+ corridors. Rails, margins and limits per route.

Illustrative figures
Illustrative figures. Volumes and settlement times below are worked examples showing how corridors are structured — they are not measured KwiikPay performance. Margins and limits are indicative and confirmed per account.
CorridorRailMedian settlementSLAFX margin24h volume↓Per-tx capStatus
GBP → USDFedwire / SWIFT gpi3h 14mT+00.18%£2.1B£10MLive
EUR → GBPSEPA → FPS bridge46mT+00.14%€1.8B€10MLive
USD → EURSWIFT → SEPA2h 02mT+00.16%$1.4B$15MLive
GBP → EURFPS → SEPA Instant38mT+00.12%£980M£10MLive
EUR → BRLSEPA → PIX<30sT+00.40%€640M€2MLive
GBP → NGNFPS → OPay / Paystack<2mT+00.55%£420M£500KLive
Compliance

KYC that scales with you. Sized to your ticket, not your ambition.

Onboard at the tier that fits today. Step up when ticket sizes grow — without re-papering. Every tier inherits MLRO oversight, sanctions screening (OFAC/HMT/UN/EU), and Travel Rule attestation across crypto legs.

Indicative figures. Limits are set per account against your profile and are confirmed at onboarding — the bands below show how they scale, not a published entitlement. Turnaround times are typical once a complete file is received; they depend on your structure, your jurisdiction and the diligence required, and complex ownership or an enhanced due diligence case takes longer. Eligibility comes first — see who we can serve.

TIER 1
Verified
Monthly cap
£250k
Per tx
£25k
Photo ID
Selfie liveness
Address (3 mo)
Onboarding
2 hours
Early-stage companies. Sole traders are reviewed individually
TIER 2
Business
Monthly cap
£2M
Per tx
£250k
Company registry filing
UBO ≥ 25%
Source of funds
Onboarding
1 business day
Operating companies, payment platforms
Most onboarded
TIER 3
Enhanced
Monthly cap
£20M
Per tx
£2M
Audited financials
AML programme
Sanctions attestation
Onboarding
3 business days
Fintechs, brokers, marketplaces
TIER 4
Institutional
Monthly cap
Unlimited
Per tx
Bespoke
Regulatory licence
Counterparty review
Bilateral docs
Onboarding
5–10 business days
Regulated funds and OTC desks. Access for other financial institutions needs approval

Open your first IBAN today.

Open a multi-currency account, subject to KYB, screening and our risk appetite.

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