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Visa just backed a payments start-up that powers popular fintech apps like Monzo and Revolut

Visa just backed a payments start-up that powers popular fintech apps like Monzo and Revolut

Visa 剛剛支持一家支付初創公司,為 Monzo 和 Revolut 等流行的金融科技應用提供支持
cnbc ·  2020/01/27 00:02

Currencycloud sells payment software for banks and fintech firms to process their international transactions.The U.K. start-up just raised $80 million in a funding round co-led by SAP's venture arm Sapphire and Visa.The company currently operates in Europe and North America, and is now looking to expand into Asia.

Currencycloud 為銀行和金融科技公司出售支付軟件以處理其國際交易。英國初創公司剛剛在 SAP 創業部門 Sapphire 和 Sapphire 和 Sapphire 公司共同領導的一輪融資中籌集了 8000 萬美元 簽證該公司目前在歐洲和北美運營,並且是 現在 希望擴展到亞洲。

Financial technology start-up Currencycloud, which powers cross-border payments for a number of popular finance apps, has raised $80 million in a funding round backed by Visa.

金融科技初創公司 Currencycloud,為一些跨境支付提供支持 流行 金融應用程序在 Visa 支持的一輪融資中籌集了 80 萬美元。

Based in the U.K., Currencycloud sells payment software for banks and fintech firms to process their international transactions. Though not as well-known as consumer-focused peers like Monzo and Revolut, the company provides some of the crucial "plumbing" in the background for such apps to operate.

總部位於英國,Currencycloud 為銀行和金融科技公司銷售支付軟件,以處理其國際交易。雖然不像 Monzo 和 Revolut 等以消費者為中心的同行知名, 該公司提供了一些關鍵的「管道」在後台為此類應用程序操作.

"We call the segment embedded finance," Currencycloud CEO Mike Laven told CNBC in an interview, explaining the firm embeds its product into platforms from big banks and fintechs. "We're probably the most important business that you've never heard of. But that's conscientious on our part. We do not have a strategy where we compete with our customers."

Currencycloud 首席執行官邁克·拉文(Mike Laven)在接受採訪時告訴 CNBC,解釋該公司將其產品嵌入到大銀行和金融科技公司的平台中。「我們可能是您從未聽說過的最重要的業務。但這對我們來說是認真的我們沒有與客戶競爭的策略。」

The firm's latest series of funding was co-led by SAP's venture arm Sapphire and Visa, and also attracted backing from Google, the investment arm of the World Bank, French lender BNP Paribas and Japanese bank SBI. Visa's treasurer, Colleen Ostrowski, will join Currencycloud's board following the deal.

該公司的最新一系列融資由 SAP 的創業部門藍寶石和 Visa 共同領導,並吸引了來自世界各地的支持 谷歌,世界銀行的投資部門,法國貸款人 法國巴黎銀行 和日本銀行 SBI。Visa 的財務主管科琳·奧斯特羅夫斯基將在交易之後加入貨幣雲的董事會。

Currencycloud counts Visa as a strategic investor, Laven said, and has partnered with the payments network to provide its clients access to Currencycloud's technology. The firm also works with a number of so-called challenger banks in the U.K. — including Revolut, Monzo and Starling — which have racked up millions of users who bank with them using only an app and debit card.

萊文表示,貨幣雲將 Visa 視為戰略投資者,並與支付網絡合作,為客戶提供使用 Currencycloud 技術的訪問權限。該公司還與英國許多所謂的挑戰者銀行合作-包括 Revolut,Monzo 和 Starling-這些銀行僅使用應用程序和借記卡就與他們進行銀行交易的數百萬用戶。

"Their end-user customers, for the most part, will never see that we're there," Laven said. "We're a piece of embedded finance in the tech stack. It's not as sexy, but it's an incredibly good business." One of the company's products, Spark, lets clients collect, store, convert and pay in 35 currencies.

Laven 說:「他們的最終用戶客戶在大多數情況下永遠不會看到我們在那裡。」「我們是技術堆疊中的嵌入式財務。它不是那麼性感,但它是一個令人難以置信的好生意。」Spark 是該公司的產品之一,可讓客戶以 35 種貨幣收集,存儲,轉換和付款。

Currencycloud's chief explained the market for business-to-business fintech — a sector that includes competing payment processors like Stripe, Adyen and Checkout.com — is "much larger than the consumer business" and "more profitable," albeit "harder."

Currencycloud 的首席執行官解釋了企業對企業金融科技的市場-一個包括 Stripe,Adyen 和 Checkout.com 等競爭支付處理器的行業-「比消費者企業大得多」和「更有利可圖」,儘管「更難」。

Though his business is not yet in the black, Laven said "we could get there with the current round if we decided to," but that it had more room to grow before becoming profitable. "Our emphasis right now is not on profitability, our emphasis is on the strength of our offering and an expansion into other markets," he said.

儘管他的業務尚未成為黑色,但 Laven 說:「如果我們決定,我們可以在當前回合中到達那裡」,但是在獲利之前,它有更多的成長空間。他說:「我們目前的重點不是盈利能力,我們的重點是我們提供的優勢,以及擴展到其他市場。」

The company's largest market currently is Europe, Laven said, while it has been increasingly investing in North America and is now looking to expand into Asia, where fintech has seen significant adoption rates. In China, for example, mobile wallets like Alipay and WeChat Pay have become commonplace, with many Chinese consumers using their phones to pay for things.

Laven 表示,該公司目前最大的市場是歐洲,同時它一直在越來越多地在北美進行投資,現在正在尋求擴展到亞洲,金融科技已經看到了顯著的採用率。例如,在中國,支付寶和微信支付等手機錢包已經司空見慣,許多中國消費者使用手機來支付東西。

The investment in Currencycloud comes not long after Visa's $5.3 billion acquisition of Plaid, a company that specializes in application programming interface software to link fintech apps with people's bank accounts. Investors have been piling into these behind-the-scenes players, with Checkout.com winning a $230 million round and Stripe raising $250 million last year.

在 Visa 收購 53 億美元的 Pplaid 公司專門從事應用程序編程之後,對貨幣雲的投資不久 介面 將金融科技應用程序與人們的銀行帳戶鏈接的軟件。投資者一直在吸引這些幕後花絮,Checkout.com 贏得了 2.3 億美元的回合和條紋去年籌集了 2.5 億美元。

Currencycloud has now raised over $140 million from investors and claims to have processed north of $50 billion in global payments since it was founded in 2012. The company declined to disclose its valuation.

貨幣雲目前已從投資者那裡籌集了超過 1.4 億美元,並聲稱已在以北處理了 500 億美元的資金 全球支付 自 2012 年成立以來。該公司拒絕披露其估值。

譯文內容由第三人軟體翻譯。


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