# Airwallex **Type:** [[Business Account]] · [[Acquiring]] · [[Issuing]] · FX Infrastructure **Archetype:** [[eu-sme-fintech-market-map|Integrated SME Finance]] (cross-border-led) **HQ:** Melbourne, Australia · EU entity: Airwallex (Netherlands) B.V. — DNB-licensed EMI **Founded:** 2015 **Scale:** $100B+ annualised transaction volume; 100,000+ business customers **Target:** Cross-border businesses, multi-market teams, platforms with international operations --- Airwallex started as a cross-border payments infrastructure company and is expanding toward a full integrated business finance platform. Its core strength is multi-currency: businesses can collect revenue in local currencies across markets, hold those currencies, convert at competitive FX rates, and pay suppliers or employees globally — from one account. **Core products:** - Global Business Account — multi-currency, local collection accounts (20+ countries) - Airwallex Cards — multi-currency business debit cards with per-card spend controls - Online Payments — payment gateway for e-commerce (cards, local payment methods) - Payment Links — remote and invoice-based collection - Batch payments — pay employees and suppliers globally in bulk - Airwallex Issuing — issue virtual and physical cards programmatically (API-first) - Airwallex Embedded Finance — embed Airwallex capabilities into third-party products **Key differentiator vs Wise Business:** Airwallex is expanding into online acquiring and card issuing — it is becoming more integrated. Wise remains FX/transfer-focused. **Connected:** [[Issuing]] · [[Acquiring]] · [[eu-sme-fintech-market-map]] · [[Wise Business]] · [[Revolut Business]] · [[DNB]] · [[EMD2]] · [[SWIFT]] · [[SEPA Credit Transfer]] *FintechGraphs · [[about|Who we are]]*