Information on our technology and collaboration with financial service companies.

1. The Currency
Cloud
Cross Border
Payments Platform
Product Overview for Banks,
Brokers and Financial Services
Firms

2. Product Overview
What does The Currency Cloud do?
Build your business with The Currency Cloud’s easy-to embed Payment Engine. A nextgeneration service that lets your customers move money around the world quickly,
transparently and securely.
£
£
€
€
$
$
¥
¥
Receive Money
2
Convert Money
Send Money

3. Product Overview
How Do We Work With Financial Services Firms?
The Currency Cloud works with Financial Services Firms in two key ways…
1. New Product Delivery
-
For Firms not currently offering an international payments service
-
Develop and deliver a new FX & payments services for your clients
2. Existing Product Development
-
For Firms looking to improve upon an existing service / product
-
Extend and improve existing FX & payment capabilities and reach
-
Cross-border enable existing products (e.g. multi-currency investments)
-
Scale, automate and reduce the operational cost / risk of existing infrastructure
3

4. Product Overview
How Does The Currency Cloud Help You??
You focus on your
customers
1
Simple cross border receiving, exchanging & sending money via the cloud

2
Regular local payments in
29 countries**



Price management
Trade routing
Payment routing



Risk management
Compliance
Alerting
Currency Exchange

Payments
Fast Deployment

Low Capex and Opex
Settlement
Clearing
Matching

Receipts
The economics of a cloud based platform

4

Priority SWIFT Payments
to 212 countries
Competitive prices because we have wholesale buying power***

4

Over 40 currencies
The Currency Cloud does all the “heavy lifting”



3
We focus on
infrastructure
You
No infrastructure cost

* more pairs are available via phone, more online pairs keep being added
** local, in-country receipt is planned. Local payment network is always expanding
***
you can also plug in your existing FX liquidity and payments network

5. Product Overview
Why is The Currency Cloud Different?
Traditional Supplier Issues
Brokerage Relationship
Service Provider Relationship
Whenever you hear “commission free” you know you are paying
over the odds.
Our relationship with customer is that of “technology supplier”
rather than broker.
Disparate Platforms and No Automation
A Single End-to-End Automated Platform
Multiple non-integrated platforms imposes technology risk and
operational risk & cost overheads.
The Currency Cloud platform reduces complexity, minimizes
operational risk and reduces operational costs.
Price Visibility
100% Price Transparency
Lack of pricing transparency at the point of transaction (or post
transaction) leading to “how do I know what I have paid? Is it fair?”
Transparent and auditable currency and payment pricing known
pre and post execution of transaction.
Price Consistency
100% Consistent Pricing
Prices rarely consistent and often depends on “what your supplier
can get away with” at the point of transaction.
Pricing agreed & contracted up front and configured in The
Currency Cloud platform, so will always be consistent.
Unhappy payment senders and beneficiaries
Bypass Traditional Payment Networks
Correspondent banks may take fees for transferring money so the
incorrect amount ends up at the end beneficiary. You have no
control over this, nor visibility of fees pre-transaction.
5
The Currency Cloud Approach
The Currency Cloud uses a network of local bank accounts and
payment providers to ensure the end beneficiary receives the full
amount.

6. Product Overview
How our product is structured
TCC Connect
TCC Direct
TCC Applications
Payment Engine
Cash Manager
Payment Manager
Conversion Manager
Beneficiary Manager
Your multi currency ewallet
Make instant global
payments
Convert your funds at
close to mid-market rates
Set up and manage
payment recipients
6

7. Product Overview
What Other Features Are There?
Payment Engine
Currency Conversion & Payments

Easy to use online interface – make a payment in less than 30

Convert amounts from as little as $1
seconds

Over 200 currency pairs, 24x5

Full back office for managing funds and payments

Same day, Spot and Forward currency transactions

Real-time online activity reporting

Guaranteed conversion rates at time of trading – no

Email notifications when payments are sent

Email notifications for payment errors

Local payments in 28 countries

Pre-validations of beneficiary details minimizes payment errors

Same currency payments

Aggregation of multiple currency price sources to ensure best

100% price transparency – we tell you exactly what we
guessing, no risk. 100% P&L certainty
prices
earn

Net and aggregate settlement for sold funds

Plug in your own liquidity

Secondary verification for confirmation of payments (four eyes

Plug in your own payments network
authorization)

Payment and trade history – view online and download as a
CSV

7
Bulk FX conversion and payments upload

8. Product Overview
Case Study – UK Investment Bank
Internal Staff
Business Opportunity
Large captive corporate client base already engaged via
NOMAD, corporate broking and corporate finance
businesses.
The Currency Cloud Delivered
A new FX revenue stream and corporate FX product,
branded as the customer. All delivered with minimal
investment and went live with end-users within 1 month.
TCC Direct (branded)
Your
Brand
End-Users
£
New revenue stream
8

9. Product Overview
Case Study – Peer to Peer Money Transfer
End-Users
Internal Staff
TransferWise Platform
Your
Brand
Business Opportunity
Large client base gained through social marketing and
reputation of founders (ex-Skype ) who wanted to expand
their currency capabilities and offer low cost,
“guaranteed”** payments
£
Increased revenues
9
The Currency Cloud Delivered
The infra-structure to expand into different countries, add
currencies and deliver low cost local payments. All
seamlessly integrated into the customers user experience
and platform.
** The end-user sends $1 and the receiving beneficiary receives $1 - no correspondent fees or
expensive SWIFT charges

10. steve.lemon@thecurrencycloud.com
www.thecurrencycloud.com