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Business
Business
Regulated cross-border settlement infrastructure for institutional clients. Payments, collections, FX, and multi-currency accounts across 180+ countries.
Explore more
Payments
Collections
Mass payouts
Manage team
Connect accounting software
Personal
Personal
Manage your money across borders effortlessly — send, spend, and exchange currencies with ease and clarity.
Explore more
Send money
Receive money
Send large amount
Resources
About
News and blog
Help center
Security
Affiliates and partnership
Service status
EN
English (EN)
Bahasa Indonesia (ID)
中国 (CH)
English (EN)
中文 (简体)
Bahasa Indonesia
A regulated cross-border settlement infrastructure platform
Cross-border settlement infrastructure, built since 2015.
Transwap is a Singapore-headquartered, multi-jurisdictionally licensed payment institution.
We operate the regulated settlement network, licensing footprint, and
relationship model that complex cross-border flows require.
Speak to Our Team
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For Businesses
Transwap provides the regulated settlement network, licensing footprint, and relationship model that complex cross-border flows require. Pay suppliers, collect from customers, and manage FX across 180+ countries from a single platform. All under direct regulatory supervision.
For Individuals
Individuals benefit from the same regulated infrastructure. Fast transfers to 180+ countries, transparent FX rates, and full visibility on every transaction. No hidden markups, no correspondent bank surprises.
The origin story
It started with
a phone call
in 1997.
It was the Asian Financial Crisis. Benjamin Wong needed a simple FX contract. His bank's response: spreads so punishing it barely made sense to hedge at all. So he called a friend overseas. They agreed on a fair rate, swapped currencies directly, and moved on.
No bank. No markup. Just a better way.
That phone call planted a seed. The technology was not ready. The regulations had not caught up. But the problem never went away. When fintech changed the rules, Benjamin built Transwap in 2015 to fix what 1997 had first exposed: businesses everywhere deserve fast, fair, transparent cross-border payments.
"The banks haven't changed much since 1997. Transwap did."
Benjamin Wong, Founder
$2B+
Processed annually.
180+
Countries supported.
99.2%
Settlement success rate.
24/7
Customer support.
Trust from
regulators partners clients employees
,
is our most valuable asset.
We safeguard it deliberately.
Beyond technology and transactions, our true strength lies in trust.
We nurture it with transparency, ethical conduct, and a shared commitment to
doing what is right for every stakeholder.
Compliance over revenue
We do not pursue revenue opportunities that materially compromise regulatory integrity or create unmanaged risk.
Long-term stability over short-term acceleration
We do not pursue revenue opportunities that materially compromise regulatory integrity or create unmanaged risk.
Reputation over opportunistic gain
We do not pursue revenue opportunities that materially compromise regulatory integrity or create unmanaged risk.
Process integrity over convenience
We do not pursue revenue opportunities that materially compromise regulatory integrity or create unmanaged risk.
Compliance over revenue
We do not pursue revenue opportunities that materially compromise regulatory integrity or create unmanaged risk.
Long-term stability over short-term acceleration
We do not pursue revenue opportunities that materially compromise regulatory integrity or create unmanaged risk.
Reputation over opportunistic gain
We do not pursue revenue opportunities that materially compromise regulatory integrity or create unmanaged risk.
Process integrity over convenience
We do not pursue revenue opportunities that materially compromise regulatory integrity or create unmanaged risk.
Our foundational principles.
Regulatory partnership and integrity.
We operate within regulated environments and recognize regulators as key stakeholders in our ecosystem. We commit to:
  • Transparency in engagement
  • Proactive risk identification
  • Prompt escalation of material issues
  • Full documentation of material decisions
Accountability & professional ownership.
We expect all team members to demonstrate responsible ownership of their roles. This includes:
  • Clear accountability for outcomes
  • Early escalation of uncertainty or error
  • Constructive resolution of challenges
  • Professional conduct under pressure
Structured and respectful communication.
We operate across jurisdictions, cultures, and regulatory frameworks. Clarity and professionalism in communication are essential. We commit to:
  • Clear, documented communication for material matters
  • Respectful engagement across all levels of the organization
  • Preservation of confidentiality
  • Thoughtful and timely escalation
Precision, discipline and risk awareness.
Financial infrastructure requires a high standard of precision. We prioritize:
  • Accuracy over haste
  • Documentation over assumption
  • Controls over convenience
  • Structured review over informal agreement
Institutional governance
We are building an institution, not a temporary venture.
Institutional governance requires:
Values that guide us.
Win clean.
Operating under recognised financial authorities across key jurisdictions, with full regulatory oversight and compliance.
  • No hidden risk.
  • No pressure on compliance.
  • No revenue that weakens the institution.
Own it.
We take responsibility for outcomes.
  • We escalate early.
  • We admit mistakes quickly.
  • We fix root causes — not optics.
Excuses are noise. Ownership builds trust.
Build to last.
We prioritize durable performance over short-term spikes.
We choose:
  • Sustainable growth
  • Controlled expansion
  • Institutional resilience
If it doesn’t survive scrutiny, it’s not success.
Execute with discipline.
Precision is a competitive advantage.
  • We document.
  • We follow controls.
  • We respect decision rights.
  • We protect confidentiality.
Speed is good. Sloppiness is expensive.
Raise the standard.
We hold ourselves and each other to a higher bar.
  • We challenge directly.
  • We act professionally under pressure.
  • We protect the culture.
Tolerating weak character weakens the institution.
Think long.
We act as stewards of a long-term enterprise.
We ask:
  • Would regulators respect this?
  • Would partners trust this?
  • Would future leadership inherit this proudly?
We build beyond ourselves.
Win clean.
If we can’t defend it, we don’t do it.We compete aggressively and deliver results without cutting corners.
  • No hidden risk.
  • No pressure on compliance.
  • No revenue that weakens the institution.
Own it.
We take responsibility for outcomes.
  • We escalate early.
  • We admit mistakes quickly.
  • We fix root causes — not optics.
Excuses are noise. Ownership builds trust.
Build to last.
We prioritize durable performance over short-term spikes.
We choose:
  • Sustainable growth
  • Controlled expansion
  • Institutional resilience
If it doesn’t survive scrutiny, it’s not success.
Execute with discipline.
Precision is a competitive advantage.
  • We document.
  • We follow controls.
  • We respect decision rights.
  • We protect confidentiality.
Speed is good. Sloppiness is expensive.
Raise the standard.
We hold ourselves and each other to a higher bar.
  • We challenge directly.
  • We act professionally under pressure.
  • We protect the culture.
Tolerating weak character weakens the institution.
Think long.
We act as stewards of a long-term enterprise.
We ask:
  • Would regulators respect this?
  • Would partners trust this?
  • Would future leadership inherit this proudly?
We build beyond ourselves.
What we do
One banking platform.

Operate without borders.

Secure by design.
Transwap is the regulated financial infrastructure platform for businesses and individuals moving money across borders. From mid-market corporates to large enterprises managing high-volume treasury operations,
we provide the infrastructure to send, receive, and manage funds globally securely and efficiently.
Cross-border settlement.
Pay suppliers, collect from customers, and settle with partners across 180+ countries in 24+ currencies. Transparent pricing, predictable settlement times, and no hidden correspondent bank markups.
Multi-currency accounts.
Hold balances in 34 currencies across segregated accounts at tier-1 global banks. Collect in 15+ currencies with local receiving accounts in key financial markets. Manage treasury operations centrally from a single regulated platform.
API & Integrations
Embed global payment capabilities directly into your product or internal workflows.
Our developer-first API and real-time webhooks ensure seamless automation, reconciliation, and operational efficiency.
Our journey
From a co-working space
to global infrastructure.
Every great company starts with a problem worth solving. Here’s how we got from there to here.
2015
Where the Transwap journey began.
Regulated payment infrastructure for businesses operating across borders.
2016
Regulated in Hong Kong
Transwap received its Money Service Operator licence from the Hong Kong Customs and Excise Department (HKCED).
2017
MAS Major Payment Institution licence
Transwap obtained its Major Payment Institution licence from the Monetary Authority of Singapore (MAS) under the Payment Services Act 2019.
2018
Networked Trade Platform listing
Transwap was listed on the Networked Trade Platform and recognised for cross-border FX capabilities.
2019
Bank Indonesia licence
Transwap obtained its Fund Transfer Operator licence from Bank Indonesia (21/248/Sr/3).
2020
Regulated corridor expansion
Transwap continued expanding its regulated corridor network across APAC.
2021
FCA authorisation and Macau corridor
Transwap obtained its Electronic Money Institution authorisation from the FCA in the United Kingdom (963951). Macau corridor launched via regulated partner BDO Remit.
2022
Canada FINTRAC registration
Transwap registered with FINTRAC as a Money Services Business in Canada (M22512088).
2023
UK institutional payments expansion
Transwap strengthened its UK operations and expanded institutional payments services for cross-border businesses.
2024
$2B+ cumulative settlement volume
Transwap surpassed $2B in cumulative processed volume across its regulated settlement network.
2025
Platform and corridor expansion
Transwap continues to invest in platform resilience, regulatory compliance, and corridor expansion to serve institutional clients across APAC, Europe, and North America.
2026
Present day
$2B+ processed. Settlement to 180+ countries. Licensed in 5 jurisdictions.
Explore our security and compliance frameworkExplore our multi-currency business accountExplore our regulatory licences across 5 jurisdictions
Our team
Payments, compliance, technology, and institutional banking.
Transwap's team combines payments, compliance, technology, and institutional banking backgrounds across 5 offices. Named leads are accountable for regulatory relationships in each jurisdiction we operate.
Operating across 5 jurisdictions with named regulatory leads in each market. Every office maintains direct relationships with local regulators and banking partners.
The team is united by a single objective: building regulated
cross-border settlement infrastructure that institutional clients and their compliance teams can rely on.
Ready
to move structured flows through a regulated network?
Open a multi-currency account or speak to our team about corridor-specific requirements, institutional onboarding, or compliance documentation.
Partnerships
Explore partnership opportunities, ERP integrations, and corridor-specific solutions for institutional clients.
Careers
Open a multi-currency account or speak to our team about corridor-specific requirements, institutional onboarding, or compliance documentation.
Start your growth journey today.
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Singapore
168 Robinson Road, #12
Capital Tower
Singapore, 068912
United Kingdom
50 Lothian Road
Festival Square
Edinburgh, Scotland
EH3 9WJ
Hong Kong
904 Island Place Tower
510 King's Road
North Point, Hong Kong
Indonesia
Jalan Merdeka No.1
Cimone, Karawaci
Kota Tangerang,
Banten, Indonesia, 15114
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