FX Risk Management and Global Payments Made Easy

Pangea empowers businesses, non-profits and digital platforms with simple tools to manage global transactions and currency risk.

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Broaden Your Horizons

Hassle-free FX

Finally, you can optimize FX operations with ease. Our FX hedging solutions enable you to focus on what matters and scale with confidence.

Secure Better Rates

Our FX marketplace model provides access to the best possible rates, opening doors to increased savings and new revenue streams.

Move Money Anywhere

Our global expertise and emerging market specialization means lower costs and more opportunities for your business globally.

Reduce FX Risk

Our AI-powered FX risk management shields your business from volatile markets, helping ensure stability on your international transactions.

Our Features

Tools Powered by AI for Global Businesses

Our powerful financial risk management platform is a comprehensive solution for lowering FX spend and managing FX operations in one place.

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FX Marketplace

Access the best rates across multiple providers.

Smart Global Payments

Send payments via real-time, recurring, scheduled, & bulk methods.

International Wallets

Store money in multiple currencies from around the world.

Strategic Execution

Strategic Execution executes transactions at optimal times with AI.

Full-Suite FX Hedging

Mitigate risk with our expert-led strategies or customize your own with AI.

Market Insights Using AI

Leverage the power of AI to understand the markets you operate within better.

Using The Platform

Unprecedented Power,
on Your Terms

Pangea Prime is built with a modern architecture, providing access
to every feature through our powerful web platform or API.

Web Platform

Simplified for Treasuries

Pangea’s intuitive web dashboard empowers you to manage your transactions with ease. Utilize Pangea’s full feature set online for seamless FX management experience.

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Developer API Beta

Empower Development

Pangea provides developers the tools they need to create customized products and experiences. With just a few lines of code, you can build new products or augment your own treasury for FX management.

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Registered Commodity Trading Advisors

Why Pangea

The Pangea team works uncompromisingly toward building a
worldwide economy that is more unified, more equitable, and
more resilient. We are a tech-forward, modern solution for your
FX management.

Not a Bank or Broker

As a Commodity Trading Advisor, we provide expert advice and execution to optimize your FX risk management, not just basic global payment services.

Modern Tech Stack

Our platform is rebuilt with cutting-edge AI and modern infrastructure, delivering efficient FX solutions built to outpace traditional banks and brokers.

EMF Experts

We help you access better rates and liquidity in challenging emerging market economies, providing seamless solutions for complex regions.

Secure & Compliant

We ensure your transactions are safe, meeting global regulatory standards for secure, compliant international money movement.

Use Cases

Prime in Action

From high growth global startups to nonprofits, and product teams to large enterprises, companies of all sizes can leverage Pangea to optimize their FX management.

KSW Global

KSW Global is a premiere cocoa supplier who needed more and better access to credit to fuel growth. Pangea negotiated with multiple brokers to achieve a better credit strategy for KSW. With their balance sheet not tied up in deposits, KSW can now use their revenue for growth capital–able to take on more and buy more to grow their business.

Marketplace

Untold

Untold is an international nonprofit working in Africa, whose mission is to embrace and equip people to live a life beyond AIDS. Untold needed a strategy to protect from a rapidly depreciating currency. Pangea provides information and advisory services to help Untold employ an advanced FX strategy that is projected to save them $600,000 in 2024.

Nonprofit

Cure

Cure is a international nonprofit offering life-saving surgeries for children, and needed stress-free forecasting on best times to book out derivatives across many countries. Pangea provides stability and consistency so that Cure’s operations are not disrupted by currency availability or volatility.

Nonprofit

Sivo

Sivo’s mission is to make affordable credit accessible to businesses in emerging markets. Sivo faced extremely volatility in markets like Mexico, making their business virtually unviable. Pangea gives access to derivatives and hedging strategies that allow them to optimize their global business.

FinTech

Pricing

Truly Transparent Pricing

With Pangea, you can access institutional-level FX rates without hidden fees. Whether you're managing bulk payments like payroll or handling strategic, larger-volume transactions, our pricing is 100% customized to your needs and built to adapt as your business grows.

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Full Stack FX Infrastructure
for Borderless Businesses

Simplify FX management. Unlock new revenue opportunities and manage FX programmatically with the Pangea API.

See How It Works Get Free FX Risk Plan

FX Reinvented for a Digital Age: Automated Active FX Management

Pangea is reinventing FX to be unified, embeddable, and digital. Our FX solutions are crafted for the digital era, purpose-built for modern risk stacks, and seamlessly embeddable into treasuries and digital products with an elegant API.

As Seen In

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Prime™ API

Programmatic End-to-End FX Management

The Prime API facilitates seamless access to our AI-driven capital market infrastructure, delivering not only enhanced versions of services traditionally offered by brokers but also pioneering innovations specifically designed for the evolving demands of digital global companies. With this platform, global FX requirements can be met in one comprehensive, future-oriented space.

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Pangea Prime™

AI-Powered FX Hedging Software

Pangea Prime™ simplifies and accelerates the entire FX hedging process from risk discovery to execution using the power of AI. Our Ai's intelligent automation renders currency concerns virtually invisible, freeing your business to concentrate on core operations that lead to growth.

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FX Core Services

Trade FX, Store Currency, & Deliver Payments

Access core FX services through our API or UI, managing global liquidity with smart electronic trading powered by AI. Utilize multi-currency accounts with dedicated IBANs for seamless transactions worldwide. Settle in cash, deliver payments instantly, or schedule single or recurring payments around the globe.

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Pricing

Transparent Pricing

FX is no longer just a cost with Pangea. We eliminate antagonistic markets and toxic flow by aligning interests - Pangea and clients profit together. Our pricing is dynamic and programmatic, accommodating and scaling with your business as you grow.

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Coming Soon

Pangea Prime stands as the leading edge of our FX management software solutions, yet it's just the beginning. Delve into our upcoming releases that push embeddable FX beyond conventional limits and unveil a transformative innovation: Market Making as a Service.

Beta Available 2024

Ultima

With Pangea Ultima, your company can unlock new revenue opportunities through embedded FX. Build and monetize new and innovative FX services into your product’s own ecosystem for your own platform users and customers.

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Coming 2025

Nexus

Pangea Nexus introduces a groundbreaking approach by decentralizing FX market making, enabling global participants to access liquidity and directly trade with anyone, anywhere, across a unified network.

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Frequently Asked Questions

In which countries do you offer services, which currencies can you handle, and what type of transactions do you support?

All major currencies are supported. Most minor and exotic currencies are supported, though not all. With Pangea, you can send or receive over 170+ currencies in 200 countries at unbelievably low rates, and use our Ai-powered hedging tool to hedge over 30+ currencies covering the US top trading partners.

What is the process for integrating Pangea's FX services into our existing financial systems?

Integrating Pangea's FX services into your financial system is a streamlined and efficient process, achievable in under a month.
We do this through four straightforward steps:
‍‍
1. Discovery Call: We begin by assessing the alignment between your needs and our solutions during a discovery call. This ensures we fully grasp your use-case. Given Pangea's technology's high adaptability, we're confident in our ability to craft solutions where others might not succeed.
2. FX Architecture Planning: Next, our FX Solutions Architects engage with you to delve into your specific challenges. Together, we'll devise a tailored technology and financial strategy to address these issues. This phase is efficient, ranging from a single day to a maximum of one month.
3. Onboarding & Integration: We simultaneously begin onboarding and, if relevant, technology integration. This phase encompasses signing of commercial and service agreements, alongside compliance steps like KYB and AML. For API users, we also grant sandbox access, set up a collaborative communication channel (e.g., Slack), and start the technical integration.
4. Launch: Begin leveraging Pangea for your FX transfers and/or hedging needs. Our Advisors will support you throughout this journey, ensuring a smooth transition and effective use of our services.

How are your fees structured for currency exchanges, and how competitive are your exchange rates?

At its core, FX pricing is influenced by two major inputs: The interbank rate and the FX markup.
(1) The Interbank Rate: The foundation of FX pricing, reflecting the market's valuation of currencies based on liquidity and volatility.
(2) The FX Markup: An additional fee over the Interbank rate, varying based on your transaction volume, credit risk, and the complexity of your operations.

However, traditional brokers often obfuscate these costs. Not at Pangea. Pangea's Pricing Stands Apart for four major reasons: Transparency, Consistency, Flexibility, and Strategic Execution.

How Pangea's Pricing Stands Apart Transparent, Consistent, Strategic, Flexible
- Transparent: We're not just another FX provider; as a Commodity Trading Advisor (CTA), transparency is in our DNA. We openly display our acquisition rates and markups, ensuring you're fully informed every step of the way.
- Consistent: Our markup remains stable unless your business needs evolve. Experience pricing that adapts to your growth, rewarding your success with even more favorable rates.
- Flexible: Benefit from our range of pricing features tailored to your needs, including Guaranteed Rates, Blended Rates, and bespoke AI-powered hedging programs.
- Strategic: We utilize AI, quantitative engineering, and industry best practices to save on the largest cost components of your FX transactions, global interbank liquidity driving core pricing. Our consistent and transparent markup means the savings are always passed on to you.

Discover the Pangea Advantage: Our approach to FX pricing isn't just different; it's designed with your success in mind. From transparent costs to innovative solutions that grow with you, Pangea FX is your partner in navigating the complexities of the global currency market.

FX Risk Management and Global Payments Made Easy

Hassle-free FX