Client account journeys
Create account and balance experiences that fit the way corporate clients manage international funds.
For FX brokers
Turn trusted FX relationships into a broader financial product.
Give corporate clients a connected account, payment and spend experience around the FX service they already value from you.
Build around an established corporate relationship
Connect conversion and payment moments
Keep the proposition in your own brand
Add services in a focused sequence
Client relationship
Corporate FX client
FX → account → payments
Turn occasional conversion demand into ongoing financial activity.
FXAccountCard
From transaction to relationship
Make the value of an FX relationship last beyond the conversion.
A corporate client often needs to receive, hold, pay and manage money around the same international activity that brings them to an FX broker.
1A client needs to exchange currencyThe FX relationship begins with a high-value, time-sensitive conversion need.
2The money needs an account and a routeAccounts and payment journeys can sit naturally beside the conversion workflow.
3The relationship becomes more usefulA connected proposition can create more ongoing financial activity in your brand.
What you can offer
Build a financial proposition that fits the relationship you already own.
Start with the product that removes the most friction for your clients, then extend it as the opportunity becomes clearer.
Payments around FX
Connect payment creation, beneficiary details and currency movement to the client journey you already own.
Cards and spend
Add controlled card journeys when a client or team needs access to available funds.
Commercial model
Move beyond transaction-only FX revenue.
A connected account and payment proposition can make the client relationship more useful before, during and after a currency conversion.
Before conversion
Receive and hold funds
Give eligible clients an account or balance journey before the FX instruction is created.
During conversion
Connect FX to the payment purpose
Keep currency exchange, beneficiary and payment context inside one client workflow.
After conversion
Retain payment activity
Let the relationship continue through supplier payments, treasury movement or controlled spend.
Existing provider
Create a staged migration path
Add or replace infrastructure around a focused client segment without moving every workflow at once.
Commercial outcomes depend on client activity, corridors, pricing, approval rates and the responsibilities in the selected operating model.
Launch path
Start where the client relationship is strongest.
A focused first product helps you prove demand and create the operational model before adding further services.
- 1Choose the highest-value client momentStart with the point after conversion where clients currently need an account, payment route or a clearer funds view.
- 2Design the connected journeyMap FX, account and payment actions so the client sees one proposition rather than a set of separate services.
- 3Configure the operating modelAlign product scope, partner setup and controls with the clients, geographies and currencies selected for launch.
- 4Expand from real client activityUse early usage to decide whether the next valuable addition is another route, a card programme or a further account capability.
For FX brokers FAQ
Questions about this industry model.
The commercial, product and operational questions teams usually ask before choosing their first financial product.
Do we need to become a bank to add accounts or payments?
Not necessarily. The appropriate setup depends on your services, markets and regulatory responsibilities. A discovery conversation is used to identify a suitable model.
Can we begin with one client segment or currency corridor?
Yes. A focused initial segment or workflow is usually the clearest way to validate the proposition before broadening the launch scope.
Can the account and payment experience stay in our brand?
The aim is to design the customer-facing proposition around your existing brand and relationship. The implementation is defined as part of the product and partner setup.
How do compliance and payment operations fit in?
The required controls and operational responsibilities are mapped into the workflow from the start, based on the customer, product and geography involved.
Start with a discovery call
Ready to explore what's possible?
In a 15-minute discovery session, we'll discuss your business model, customer needs and commercial objectives to determine the right foundation for your financial offering.
No technical preparation required
Business-focused discussion
Tailored recommendations
No obligation