📍 4–6 June 2026 | RAI Amsterdam

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Reliable, supervised and traceable settlement under shifting political and regulatory rules

Teresa Cameron, CEO of Clear Junction

Global payments have always been governed by rules. What has changed is how directly politics now writes those rules, and how quickly they move. The most valuable innovation now is infrastructure that keeps supervised fiat moving reliably as policy, corridors and data requirements change. Sanctions regimes, de-risking policies, digital asset frameworks, safeguarding rules and information requirements increasingly shape which routes remain workable and how expensive cross-border transfers become.

For institutions operating internationally, the impact is immediate. Each new rule alters how funds are held, screened and settled. Policy change is reshaping competitive advantage in payments, and the most important ‘innovation’ is fiat rails that remain reliable as the rulebook shifts around them.

By fiat resilience, we mean the ability to keep regulated fiat flows reliable, traceable and supervised even as corridors, counterparties, screening expectations and data standards change.

When the rulebook hits the plumbing

On the policy side, payments are described in speeches, communiqués and long‑term strategies. On the operations desk, they show up as settlement windows that shift, counterparties stepping back, and routes that once ran smoothly becoming slow or constrained.

Sanctions are the clearest example. A new round of designations affects more than the entities named in a press release. It can trigger a wider reassessment of regions, sectors or client types. Often, some correspondent banks reduce appetite; others withdraw altogether. Flows that used to settle the same day can slip to next-day or longer. Payments that once moved through a single correspondent may suddenly require multiple hops and extra screening.

De-risking policies have a similar effect. When institutions reassess their tolerance for certain corridors or customer segments, local financial institution relationships can disappear quickly. That pushes flows into narrower channels, increasing reliance on a smaller set of providers and adding operational pressure to those that remain. In practice, that shows up as extra hops, more manual interventions and exception handling, slower reconciliation, and a higher rate of returns or repairs.

Emerging rules for digital assets add another layer. Stablecoin and tokenisation frameworks increasingly expect on clear segregation between fiat and token flows, named accounts instead of large pooled structures, and robust safeguarding for reserve assets. These expectations are understandable from a risk perspective, but they are not cost‑free. They change how balances are structured, how references are assigned, and how much information needs to travel with each payment.

Each policy choice shows up as a change in the plumbing: extended settlement times, new routing constraints, tougher data requirements and a higher bar for screening and reporting.

When policy hardens into regulation

The link between politics and detailed rulemaking is now unmistakable. Decisions that start with broad goals, such as consumer protection, financial stability and foreign policy, increasingly result in specific, technical rules about how value can move.

Recent and ongoing work around stablecoins and crypto-assets illustrates the shift. Frameworks are emerging that clarify who can issue payment-related tokens, how reserves must be held, how custodians are supervised, and what information must accompany a transfer. For operators, these debates translate directly into rules that shape which instruments can be used in a flow, how they are recorded, and what governance applies.

The pattern is similar elsewhere. As anti-money laundering and sanctions expectations rise, more data needs to move with each payment, more checks have to be made in real time, and more detail has to be retained for audits and investigations. When a corridor is de-risked after a policy shift, settlement can shift from same-day to next-day or longer, often requiring new counterparties. When screening rules tighten, message formats and internal systems evolve to carry richer information and evidence.

The operators that cope best are those that can re‑map flows under these new constraints without interrupting service. They treat policy and regulation as inputs to infrastructure design, not as a bolt‑on to be patched in later. Over time, that ability becomes a competitive advantage.

We are already seeing divergence between markets that coordinate their frameworks and those that do not. Where authorities align their approaches, cross‑border flows become easier to support at scale. Where rules move in different directions, additional friction and cost are priced in.

Innovation that starts with resilience

Innovation in payments and digital assets matters. But the kind of innovation that matters most now is not a new user interface or a novel token; it is the capacity to keep fiat moving in a supervised, transparent way as the rules change. Resilience is what keeps routes open with banking partners under scrutiny.

Clearer frameworks for stablecoins and crypto‑asset service providers are an example. The new rules set out some basics: who is allowed to issue these instruments, how the backing assets must be held, and what needs to be reported. Once that is clear, institutions have a better sense of what is acceptable and can design products to fit within it. These rules shape how we design rails and references for institutions across GBP and EUR.

The same logic applies across payments more broadly. Strong, well‑understood compliance frameworks do not kill innovation. They provide the trust that allows it. Supervisors are more comfortable with pilots and new models when they can see that governance, screening and record‑keeping are robust, and that unwinding a flow is possible if something goes wrong.

From an institutional perspective, the most valuable innovations over the next few years are likely to look unglamorous. They will be resilient fiat layers that stand up to scrutiny: better segregation of client funds; more granular reference structures; richer data attached to each payment; and control environments that can be explained clearly to a regulator.

Resilience and the role of partnerships

Regulatory change is not a one‑off event. It is a constant feature of cross‑border finance. Resilience depends less on predicting each change in advance and more on how quickly and safely institutions can adapt when changes come.

Many firms are reaching the conclusion that rebuilding core settlement and safeguarding infrastructure every time the rulebook evolves is not sustainable. They look for partners whose core strength is updating account structures, routing logic, data models and controls, allowing them to keep their focus on clients and product.

This approach only works if those partners are truly compliance‑first. Paper alignment isn’t enough; partners need demonstrable controls and traceable flows. The ability to demonstrate named, segregated flows; to show where funds sit at each point in the chain; to adjust screening and reporting when requirements shift; and to provide a credible story about operational resilience under stress all become central to the relationship.

A simple example is a remittance provider moving from pooled collections to virtual account structures. When screening rules tighten and more information has to be attached to each transaction, pooled accounts become harder to defend. Shifting to named virtual references and clear segregation can preserve settlement timelines, improve reconciliation, and strengthen the control narrative with banks and supervisors.

Changes like these rarely make headlines, but they often determine which institutions can continue to scale and which end up constrained.

Compliance as a catalyst for growth

Politics and regulation are rewriting the rules of payments and changing how institutions approach resilience and growth. The firms that come through stronger are those that build compliance into their infrastructure from the start and treat supervision as a design input, not a bolt-on.

Our work with regulated institutions shows what that looks like in practice: rails built on the assumption that requirements will keep evolving; transparency, named and traceable flows, and strong safeguarding treated as non-negotiable; and controls that can be evidenced clearly to supervisors and banking partners. In this environment, innovation is measured less by new features than by whether a flow remains reliable under scrutiny and still holds up when conditions change.

The institutions that do best in the next phase of payments will be the ones that can demonstrate operational trust: supervised, transparent and explainable fiat flows that remain resilient under stress.

Founded with a clear mission – to make remittances easier, faster and more affordable for Filipinos overseas – BCRemit was created ‘by Filipinos, for Filipinos’. From day one, the team set out to reduce high fees, long transfer times and unpredictable delivery for families depending on money from abroad.

As a high-volume, regulated remittance business, BCRemit needed specialist payment infrastructure to support cross-border payouts at scale while staying firmly within strict regulatory expectations.

From its base in the UK, BCRemit now serves customers in 24 countries across the EU, Canada and the US. As the business has grown, it has kept its focus on what matters to Filipino families: affordable transfers, dependable timing and customer care rooted in community values.

That focus has helped BCRemit become a trusted remittance provider worldwide.

The challenge: settlement unpredictability and banking pressure

As BCRemit grew, daily transaction volumes increased sharply, particularly during peak sending periods when families depend on transfers to hit specific dates for bills, tuition, health expenses and emergencies.

Like many remittance providers, BCRemit was managing thin margins, changing bank risk appetites and growing regulatory expectations, all while needing settlement to be predictable for families relying on timely transfers. 

Unstable banking relationships and inconsistent access to domestic rails in the UK and EU (Faster Payments, SEPA, SEPA Instant) made liquidity planning harder and increased operational pressure.

Before partnering with Clear Junction, settlement timings into core payout corridors were inconsistent. Even small delays had a real operational impact:

• Liquidity became harder to plan and manage.
• Customer support saw more escalations linked to timing and tracking issues.
• High-volume days became difficult to manage without manual intervention
• Securing stable, long-term banking and payment relationships as a remittance provider was an ongoing concern.

BCRemit reviewed several EMIs and payment providers, but many could not offer the combination of predictable settlement, remittance-friendly risk appetite and corridor coverage required for a high-volume, regulated MSB.

A compliance-first partner that understands remittance realities

Clear Junction quickly stood out. The team understood how remittances work day to day – the volume patterns, the licensing and oversight MSBs work under, and the impact that predictable settlement has on customers.

BCRemit was particularly reassured by Clear Junction’s:

• Risk and compliance framework designed for MSBs, PSPs and remittance firms.
• Experience working with regulated remittance models and correspondent relationships
• Clear, realistic onboarding timelines and documentation expectations: fast, but never at the expense of compliance.
• Transparent pricing and visibility of fees, which is essential for managing unit economics in a fee-sensitive remittance market.

From the start, the relationship was grounded in practical details: a team that responded quickly, understood what regulators expect from remittance providers and knew what a business like BCRemit can and cannot compromise on.

A smooth implementation 

BCRemit now uses Clear Junction collection and payment accounts, supported by virtual IBANs and access to Faster Payments, SEPA and SEPA Instant for its UK and EU collections. The ability to hold balances with Clear Junction has improved liquidity management and given BCRemit better control over settlement windows.

Integration was API-driven and straightforward, with minimal workflow changes required on BCRemit’s side. Communication was clear throughout, questions were resolved quickly and the shift from onboarding to full activation took place without disrupting customer services.

The result was a setup that fit naturally into BCRemit’s operations: local accounts where they were needed, predictable settlement schedules into core corridors and infrastructure aligned with existing reconciliation, treasury and customer support processes.

The results: predictable operations and a better customer experience

The impact showed up quickly across the organisation:

• Fewer customer support escalations during peak sending periods
• Better liquidity planning and reconciliation, with clearer visibility of incoming and outgoing flows.
• More capacity to focus on growth rather than troubleshooting settlement issues.

For customers, the difference was clear. Families sending for essential household needs could rely on funds arriving on time, reducing stress around bills, tuition and emergencies.

Inside the business, BCRemit’s operations team saw a significant reduction in settlement-related queries, allowing them to scale UK and European collections via Faster Payments and SEPA and to plan expansion into additional markets with greater confidence.

“Clear Junction’s consistency, responsiveness, and understanding of the remittance industry have made a clear difference in our daily operations and customer experience.” – Oliver Calma at BCRemit 

Expanding together

BCRemit is preparing to launch BCRemit-Pay and deepen its presence in the US, Canada and additional European markets. Upcoming corridors, new currencies and broader settlement coverage will require infrastructure that scales in line with licences and risk appetite.

With Clear Junction, BCRemit can grow without outgrowing its infrastructure or having to re-bank every time a corridor is added. The partnership is set up to support expansion, keeping settlement processes reliable as volumes increase and regulatory expectations evolve.

The mission remains the same as the day the company was founded: to make every remittance as smooth, dependable and stress-free as possible for Filipinos abroad. Clear Junction’s infrastructure and compliance framework help BCRemit deliver on that promise at scale.

Get in touch

Clear Junction empowers remittance providers with:

• Access to UK and EU payment rails (Faster Payments, SEPA, SEPA Instant).
• Collection and payment accounts, including virtual IBANs, plus the ability to hold balances for liquidity management.
• High-volume settlement processes designed around remittance flows and peak sending periods.
• Transparent fees and FX tools that support sustainable unit economics.
• A compliance framework built for MSBs, PSPs and other regulated payment institutions.

To learn more about how Clear Junction can support your remittance business, get in touch with our team.

📍 25 – 26 March 2026 | Hall S6, Excel, London

PAY360 is the leading UK event for payment innovation, and we wouldn’t miss it! Find us at Stand D6 to explore how our trusted payment infrastructure is transforming cross-border payments.

Want to connect with our team? Book a meeting here to discuss how we can help your business streamline payments efficiently and securely.

📍19 – 21 January 2026 | Fira Barcelona Gran Via, Barcelona

We’ll be at ICE Barcelona meeting financial institutions to discuss compliance-first payments infrastructure, including multi-currency collections and payouts, local rails, and cross-border settlement.   Book a meeting using the tool on this page and we’ll confirm a time with the right Clear Junction specialist.

Our new whitepaper, Value in Transition, looks at how regulated institutions are approaching this shift in practice: with trust, control and compliance built in.

It covers where stablecoins and programmable settlement add value, when SWIFT remains the right tool, how US/EU/UK divergence is shaping strategy, and what hybrid rails look like in production.

Download the whitepaper now and explore what resilient value transfer looks like in a hybrid world.

London, UK. XX November 2025: With just six months until new UK payment safeguarding regulations take effect, more than three-quarters of financial firms remain in the early stages of preparation – or have yet to begin at all.

From 8th May 2026, payment and e-money institutions must comply with the Financial Conduct Authority’s (FCA) updated safeguarding rules, marking a significant shift from guidance to enforceable regulation. The new regime demands stricter operational standards and direct regulatory oversight. Firms must keep customer funds separate at all times, complete daily reconciliations on working days (excluding weekends and bank holidays), maintain clear documentation, and undergo formal audits of their safeguarding arrangements, with audit reports submitted directly to the FCA.

A live poll of 68 payments industry professionals conducted at a safeguarding event hosted by Clear Junction, the global cross-border payments provider, and Howden, the global insurance broker, revealed the alarming preparation levels:

• Only 7% of financial firms say they are fully ready
• With fewer than 22% in the advanced stages of preparation
• The majority (78%) are either in early stages (59%) or have not started (19%)

The event at Howden’s London headquarters brought together senior figures from across the payments, legal, and compliance sectors to discuss how firms are preparing for the new regime. Speakers included Teresa Cameron, Group CEO of Clear Junction; Hugo Thorp, Head of Fintech at Howden; Alison Donnelly, Director at regulatory consultancy fscom; Sam Robinson, Partner at law firm CMS; and Riccardo Tordera-Ricchi, Head of Policy and Government Relations at The Payments Association.

Poll respondents identified key friction points for implementing the new rules:

• Next-day (D+1) reconciliations – ensuring client funds are matched and accounted for by the following business day – were identified as the biggest operational friction, cited by 58% of respondents
• Other challenges:
  • Managing UK and EU changes without duplication (19%)
  • Insurance policy wording that meets FCA requirements (13%)
  • And the quality of monthly management information (10%)

Teresa Cameron, Group CEO of Clear Junction, commented: “Reconciliations are always at the top of the leaderboard, but they are only one part of the challenge. Firms also face the short supply of safeguarding banks, the issue of liquidity, and the requirement to keep resolution packs as living, breathing documents. 

“The practical way forward is to diversify approaches: using a hybrid method of segregation where possible and insurance where banks are scarce, ensuring liquidity across 24/7 payment schemes, automating reconciliations to meet next‑day requirements, and keeping resolution packs updated so they can be relied upon in an insolvency.”

Alison Donnelly, Director at fscom, said: “The poll results chime with what we also hear from firms. Many are still at the early stages; some are starting to safeguard from scratch and asking when obligations start and end. More mature firms are figuring through D+1 calculations and reconciliations, and seeking interpretation advice on what constitutes a material breach and what ‘without undue delay’ really means.

“The FCA has always said safeguarding is extremely important, but this May deadline is one you will be tested on; your homework will be marked. Every authorised payment institution and e-money institution will have its safeguarding arrangements tested by a qualified auditor. Stakeholders need to be prepared for that reality.”

Hugo Thorp, Head of Fintech at Howden, said: “Safeguarding needs to be right; there can’t be any gaps that leave customers unprotected. We’ve added an intent‑to‑renew clause to give firms certainty that there will be no cliff‑edge scenarios. Insurance can sit alongside segregation, adding a layer of coverage and helping firms diversify their approach while maintaining liquidity.”

Sam Robinson, Partner at CMS, added: “Before it was guidance, and now it’s rules. That makes expectations stricter and more specific, including for insurance policy wording: funds should be paid promptly into safeguarding accounts with no impediments beyond proof of insolvency, with clear clauses on timing, non-cancellation and notice.”

With less than six months until the FCA’s deadline, firms must now translate safeguarding rules into workable routines that withstand audit and protect customer funds.

Next steps before May 2026:

• Automate reconciliations to meet D+1 requirements across weekends and time zones
• Maintain liquidity across 24/7 payment schemes
• Keep resolution packs live and up to date for use in insolvency
• Prepare for audits by mapping controls against FCA rules and arranging qualified safeguarding audits
• Review insurance policies to confirm clauses on timing, non‑cancellation, notice, and prompt payout on insolvency

Clear Junction and Howden will continue to work with partners across payments and insurance to help firms move from regulatory interpretation to operational readiness ahead of the May deadline.

ENDS

About Clear Junction

Clear Junction is a global payments solutions provider established in 2016. The company enables regulated financial institutions to open payment accounts, issue virtual IBANs, access payment networks, and use FX services, digital asset infrastructure, and e-wallets quickly, securely, and in compliance with regulatory requirements. The Clear Junction Group includes several regulated entities across the UK and Canada, offering payment and crypto-asset services. These include:

• Clear Junction Limited – An EMI authorised and regulated by the UK FCA
• Clear Junction Digital Limited – FCA-registered crypto-asset business
• Clear Junction Canada Limited – An MSB registered with FINTRAC

Clear Junction continues to build enterprise-grade infrastructure for regulated FIs globally that bridges the gap between traditional finance and digital assets. 

For more information, visit: www.clearjunction.com

About Howden

Howden is a leading global insurance intermediary group with employee ownership at its heart. Founded in 1994, it provides insurance, reinsurance and underwriting services and solutions to clients ranging from private individuals to the largest multinational companies.

The Group operates in 56 countries in Europe, Africa, Asia, the Middle East, Latin America, the USA, Australia and New Zealand, employs 23,000 people and manages premiums totalling USD 50 billion on behalf of its clients.

Further information can be found at www.howdengroup.com and www.howdengroupholdings.com

New service streamlines regulated remittance payouts from Asia into Europe

Cross-border payments provider Clear Junction has launched a multi-currency SWIFT service aimed at streamlining transactions for remittance companies across Latin America, Asia-Pacific and EMEA.

The new service targets one of the industry’s long-standing pain points: achieving faster and more cost-effective last-mile payouts in destination markets.

By enabling bulk payments through SWIFT’s correspondent banking network and connecting to domestic payment schemes such as SEPA, BACS, and the UK’s Faster Payments, Clear Junction can significantly shorten settlement times while lowering transaction costs.

The launch marks a further expansion of Clear Junction’s global payments network and multi-currency capabilities, strengthening support for regulated financial institutions and remittance providers in key Asian fintech hubs, including Singapore and Hong Kong.

Remittance volumes across Asia-Europe corridors rose in 2024, reaching $207 billion in South Asia and $88 billion in East Asia and the Pacific, according to the World Bank. As demand increases, remittance companies face growing pressure to deliver faster, more reliable payout options – especially in markets where transfers now exceed foreign investment and aid.

Through a single API integration, Clear Junction’s clients – including banks, fintechs and remittance companies – can offer faster, more efficient cross-border transfers between Asia and Europe, all in full compliance with local and international regulations.

This latest expansion adds SWIFT clearing across 11 currencies, enabling financial institutions to reach more markets and support multi-currency remittance flows at scale. The service is built to simplify cross-border disbursements, reduce operational overheads, and meet regulatory requirements across multiple jurisdictions – helping clients launch faster and serve new corridors with confidence.

Alongside this, Clear Junction also provides compliant stablecoin payout capabilities, giving clients a secure bridge between fiat and blockchain-based settlement.

Nina Papazyan, Chief Product and Banking Relationships Officer at Clear Junction, commented:

Remittance firms need reach, speed and cost control. With our multicurrency SWIFT connectivity combined with stablecoin payout services, we provide a unified pathway for faster settlement across fiat and blockchain rails. This reduces time to funds and unit costs, helping licensed institutions launch and scale without the usual delays and overhead. From day one, clients see shorter settlement times, cleaner reconciliation and greater efficiency.

Clear Junction’s technology gives regulated institutions fast, compliant access to accounts, virtual IBANs, payment networks, FX and e-wallets. By partnering with Clear Junction, clients can reduce time to market, enter new corridors, and leverage specialist infrastructure to lower costs and improve payout options.