Multi-currency accounts
Hold funds across currencies with local details for collection and settlement.
GBP
EUR
USD
GBP account
£•••
Business financial infrastructure
Financial infrastructure for businesses that move money across markets.
Built and proven on the same rails that move money across borders every day. Multi-currency accounts, payment processing and embedded financial capabilities, in one regulated system.
For payments, accounts and platform teams operating across markets.
E-money authorisation
Local payment rails
Card issuing partner
Security controls
Safeguarded funds
TBCsupported corridors
TBCcurrencies held
TBCsettlement windows
TBCsandbox parity
TBCsuccess rate
The full payment stack. One place to manage it.
Accounts, payments and embedded financial capability under one regulated operating model.
Payments and transfers
Send, receive and distribute funds across corridors with predictable behaviour.
UK → NG · settled
Payouts batch · processing
Card collection · cleared
Platform and infrastructure
Embed accounts, cards, FX and treasury support through one API.
API
Accounts
Payments
Cards
Explore platform capabilities
Multi-currency accounts
Multi-currency accounts, built for cross-border operations.
Operate across markets without fragmenting your financial structure. One account, multiple currencies, local details where you need them.
- Hold and manage multiple currencies in one account.
- Receive funds with local details in supported markets.
- Track inflows, outflows and available balances in one place.
For teams that hold, move and reconcile funds in more than one currency every week.
Payments that move predictably, at scale.
One system in front of bank, mobile money and card rails, instead of an integration per provider.
Settlement preview
Routing ready
Amount
$25,000.00
Corridor
USD → KES
Rail
Bank · mobile
Recipient receives
KES 3,234,500
Settles in
~2 hours
Cross-border remittance
Global payouts
Collections across bank, card, mobile money, USSD and QR
Provider aggregation with routing and failover
Platform and integration
Built to integrate with your business.
Embed accounts, payments and card capability directly into your product through one API and one regulated framework.
- Embedded accounts
- Payments inside your product
- Card issuing and regulated foundations
From onboarding to operation, structured and predictable.
You know what to expect at each step, and what changes between them.
Onboard
Compliance and KYB checks scoped to your use case.
Integrate
Build against a sandbox that mirrors production behaviour.
200 OK/payments
200 OK/accounts
Go live
Roll out with monitoring, settlement behaviour and support paths.
Designed with control and oversight at every layer.
Governance is part of the architecture, from how funds are held to how transactions move.
Safeguarded client funds
Client money is held under defined safeguarding rules.
Coverage100%
Continuous monitoring
Fraud, sanctions and operational anomalies are detected at system level.
Signals reviewed24/7
Security-first architecture
ISO-27001-aligned controls with audit-ready logging.
Control coverageAudit-ready
Used by teams running real money operations.
Five industries Enact is built around. One coordinated framework underneath.
Remittance operators
Launch corridors without provider-by-provider buildout.
Marketplaces
Collect, hold and distribute across multiple parties.
Payroll and suppliers
Pay teams and suppliers with predictable settlement.
Embedded fintechs
Ship financial features through one API.
African corridors
Local rails alongside bank and card flows.
Infrastructure proven in production.
The same rails power a live consumer product, across real corridors and under real operating conditions.
Production validated
Live flows surface settlement behaviour and edge cases before they reach your integration.
Outcome: less implementation risk
Live
Tested
Stable
One coordinated framework
Accounts, payments and platform capability sit under one operating structure.
Outcome: one reconciliation surface
Unified
Audited
Synced
Regulated foundation
Safeguarding, compliance and controls sit inside the architecture.
Outcome: fewer compliance surprises
Licensed
Logged
Audited
Frequently asked questions
Which markets and currencies do you support today?
Enact operates across major corridors in Europe, Africa and Asia, holding balances in GBP, EUR, USD, NGN, GHS and several local currencies. Corridor and currency coverage is expanding — your account manager can confirm support for your specific markets.
How are client funds safeguarded?
Client money is held in segregated safeguarding accounts at regulated credit institutions, kept separate from Enact's operating funds in line with e-money safeguarding rules.
How does pricing work for businesses?
Pricing is scoped to volume, corridors and capability mix. You receive a single rate card that covers accounts, payments and platform usage — there are no hidden FX margins on supported pairs.
What does sandbox parity mean in practice?
The sandbox runs the same APIs, validation rules, settlement timings and error states as production. What passes in sandbox behaves the same in production — no different schemas or hidden production-only behaviour.
How is Enact regulated, and where?
Enact operates under e-money authorisation in the UK and partners with regulated entities in each market it serves, including licensed banking partners and a card issuing partner.
What is involved in onboarding a new business?
Onboarding covers KYB, beneficial-ownership and use-case review. Typical timelines run from 5 to 15 business days depending on complexity, and your team gets sandbox access immediately while review continues.
Build on infrastructure designed for scale.
Whether you are launching a new financial product or expanding existing operations, Enact provides the structure to operate across markets with confidence.
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