Airwallex

Airwallex is a global financial technology platform that empowers businesses to operate and grow internationally by providing a comprehensive suite of financial services including cross-border payments, multi-currency accounts, corporate cards, and embedded finance solutions. Founded in Melbourne, Australia in 2015, Airwallex has grown into one of the world's leading B2B fintech companies, serving tens of thousands of businesses across more than 150 countries.

At the heart of Airwallex's value proposition is the ability to eliminate the friction, high costs, and slow speeds traditionally associated with international financial transactions. The platform enables businesses to send and receive money globally at real exchange rates with transparent, low fees - a stark contrast to the hidden margins and unpredictable costs charged by traditional banks for international transfers.

Multi-currency accounts are a flagship feature of Airwallex, allowing businesses to hold, manage, and transact in over 20 currencies within a single account. Companies can receive payments in local currencies from customers around the world, hold those funds without conversion costs, and deploy them strategically to pay suppliers or employees in the relevant currencies. This capability significantly reduces currency conversion losses for businesses with international operations.

The payment infrastructure built by Airwallex covers a wide range of use cases. Businesses can make international wire transfers, set up local payment rails in key markets, issue batch payments to multiple recipients simultaneously, and automate payment workflows through robust APIs. The platform's connections to local payment networks in markets including the US, EU, UK, Australia, Singapore, Hong Kong, and China mean that transfers often settle faster than traditional correspondent banking routes.

For businesses that need to issue spending cards to employees, Airwallex provides corporate cards that work globally with real-time expense controls. Cards can be issued instantly as virtual cards for online spending or as physical cards for in-person use. Expense policies, spending limits, and category restrictions can be managed centrally, giving finance teams granular control over company spending.

The developer-friendly APIs enable businesses to embed Airwallex's financial capabilities directly into their own applications and workflows. The Airwallex API covers payment collection, wallet management, foreign exchange operations, and card issuance, making it possible to build sophisticated financial products and automate complex payment workflows.

Payment collection is supported through multiple channels, including hosted payment links, embeddable checkout forms, and API-driven payment processing. Airwallex accepts all major credit and debit card brands, popular digital wallets, and local payment methods in key markets, ensuring businesses can accept payments in the ways their customers prefer.

Compliance and security are built into every layer of the Airwallex platform. The company holds payment licenses in all major markets it operates in and undergoes rigorous regulatory oversight. PCI DSS compliance, SOC 2 certification, and bank-grade encryption protect sensitive financial data.

The reporting and analytics dashboard provides real-time visibility into cash flows, transaction histories, exchange rates, and account balances across all currencies and entities. For businesses with multiple subsidiaries or regional operations, consolidated reporting across entities simplifies financial reconciliation and reporting.

Airwallex's embedded finance offering allows platforms, marketplaces, and SaaS companies to offer financial services to their customers under their own brand. This white-label infrastructure enables companies to launch wallets, payment collection, and card programs without obtaining their own financial licenses.

For startups and scale-ups navigating international expansion, Airwallex removes many of the financial complexity barriers, allowing teams to focus on business growth rather than banking logistics. The platform is trusted by companies ranging from early-stage startups to large enterprises managing complex global payment flows.