FCA Authorised · United Kingdom
Payment rails and financial tooling built for the way money actually moves. Checkout, settlement, and treasury — without the friction legacy systems demand.
Core Products
Every product in the EX FI stack solves a specific layer of the payment lifecycle. Together, they replace the patchwork of legacy financial systems that slow businesses down.
A single integration that accepts cards, open banking, and alternative payment methods. Built for conversion — not just collection. Adaptive fraud scoring, smart routing, and real-time decisioning baked into every transaction.
Same-day settlement that reconciles automatically. No batch delays. No mystery hold periods. Funds move when the transaction is confirmed — not when the legacy system gets around to it.
Unified cash management across accounts, currencies, and entities. Sweep rules, automated allocations, and full visibility into every pound in motion. Your money should be working even when you are not looking at it.
The connective tissue underneath. Direct access to Faster Payments, SEPA, and SWIFT — without intermediaries marking up every hop. Built for businesses that move money at scale and need to know exactly where it is at every moment.
The Next Economy
The next trillion dollars of commerce will not be moved by humans clicking checkout buttons. It will be moved by agents — transacting at machine speed, inside cryptographic envelopes of authority, across MCP-native rails. EX FI is building the regulated banking substrate those agents natively consume.
Agent-Native Infrastructure
The next wave of commerce will not run through forms and checkouts. It will run through agents — transacting on behalf of their principals at machine speed, inside cryptographic envelopes of authority. EX FI is one of the first FCA-authorised institutions building the banking primitives these agents natively consume.
Custom banking interfaces engineered around how your business actually runs — not around the constraints of a legacy core. White-label dashboards, tenant isolation, role-based permissions, and product surfaces that match your brand, not ours.
A clean, production-grade API for every primitive in the EX FI stack. Authentication, idempotency, webhooks, sandbox environments, and SDKs in the languages your team already writes. Build banking features in days — not quarters.
MCP-native banking primitives optimised for autonomous AI agents. Agent wallets with cryptographic authorisation envelopes, signed spending limits, real-time ledger streaming, and programmable compliance in the transaction flow. When your agents transact, EX FI is the rail they reach for.
USD and EUR stablecoin rails for agent-native settlement, cross-border flows, and programmable money — fully integrated with EX FI's regulated fiat stack. One balance sheet, two rails, zero friction between them. Launching to selected partners later in 2026.
Custom insurance packages engineered alongside major international insurers, wrapping every EX FI transaction in cover against cybersecurity incidents, fraud, and bank insolvency — up to the full transaction amount. Regulated banking and underwritten protection on a single rail, so your customers are covered end-to-end.
EVERYDAY FINANCE
Tap, send, done. We build the rails behind the simple moments — so your customers never have to think about what is happening underneath.
Integration
Legacy financial infrastructure takes months to integrate and years to escape. EX FI was built from scratch to be deployed in days — because your roadmap should not be held hostage by a bank's release cycle.
Single API. RESTful endpoints. Webhooks for every event. Authenticate, configure your payment methods, and point your checkout at our sandbox in under an hour.
Set your routing rules, fraud thresholds, settlement schedules, and treasury sweep logic. Everything is configurable per-merchant, per-currency, per-entity.
Flip from sandbox to production. Real money. Real rails. Full FCA compliance from day one — not bolted on after launch.
Add currencies, entities, and payment methods without re-architecting. The infrastructure grows with you — not against you.
We are engineers who got tired of building workarounds for financial systems that were designed before the internet. EX FI is the infrastructure we wished existed.
Trust & Compliance
Financial infrastructure without proper regulation is a liability — not a product. EX FI is authorised and regulated by the Financial Conduct Authority in the United Kingdom. Compliance is not a feature we added. It is the foundation we built on.
Authorised and regulated by the UK Financial Conduct Authority. Payment services, electronic money, and financial infrastructure — all under proper supervision.
The highest level of payment card security certification. Every transaction, every stored credential, every data point — protected by the industry's most stringent standard.
Independent verification of our security controls, availability, and processing integrity. Not a self-assessment. A third-party audit of everything that matters.
Automated KYC, transaction monitoring, and suspicious activity reporting. Compliance that works at machine speed — not manual review speed.
Full GDPR compliance by design. Data minimisation, right to erasure, and transparent processing. Your customers' data is their data — we just move the money.
PSD2-compliant Strong Customer Authentication built into every flow. 3DS2 orchestration, exemption management, and frictionless paths that keep conversion high without compromising security.
Architecture
Most fintech companies resell someone else's rails with a better UI. We built our own. Every layer of the EX FI stack is infrastructure we own, operate, and maintain — so we can guarantee the performance, compliance, and reliability your business depends on.
INFRASTRUCTURE THAT SERVES
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