United Kingdom · Payments & e-money
Clear Junction Limited
Clear Junction Limited is a private company based in London. The FCA authorises it as an electronic money institution under Firm Reference Number 900684. Clear Junction Holding Limited owns 75% or more of the firm, and its founder Dmitri (Dima) Kats controls the holding company. The firm provides GBP and EUR accounts, named virtual IBANs, payouts, FX and stablecoin transfers to banks, EMIs, remittance, FX and digital-asset firms, and does not serve consumers.
Licences and registrations
Held by Clear Junction Limited (LEI 254900NQFJGPQM32QW52). 1 entry on 1 of the 22 tracked registers, retrieved 25 September 2026.
| Register | Licence | Number | Jurisdiction | Status | Registered | Ends | Activities | Register entry |
|---|---|---|---|---|---|---|---|---|
| FCA Financial Services Register - E-Money InstitutionsFCALinked by LEI. Matched by Elucidate on the UK company number the register gives. | Authorised E-Money InstitutionE-Money / Stored Value Institution | 900684 | United Kingdom | Active | 2018-04-19 | — |
|
Search the register ↗ |
- Licences belong to the legal entity, not to a BIC.
- Each licence applies in the country of the regulator that granted it.
- Registers are tracked in 37 countries. Licences granted elsewhere are not recorded here.
- The register entries and their trading names were not matched against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
Swift network
Swift’s ISO 9362 BIC directory
- BIC
- CLJUGB2AXXX head office
- Connection to Swift
- Connected to SwiftThis BIC is registered as a live address on the Swift network. The institution sends and receives Swift messages under CLJUGB2A directly.
- Swift GPI
- Not on the member list
- Payment schemes and systems
- TIPS
- Branch codes
- None: head-office BIC only
- BIC first registered
- 2021-11-20
- Last updated
- 2026-08-01
Overview
Researched 29 Sep 2026 · Sources
Ownership
Group subsidiary
Clear Junction Holding Limited
Firm type
Payment infrastructure
Trades as Clear Junction
- Ownership
- Clear Junction Holding Limited (Companies House 10266710) holds 75% or more of the firm's shares and voting rights. Its 2025 accounts name Dmitri Kats as the ultimate controlling party through his majority holding in the parent.
- Direct parent
- Clear Junction Holding Limited ↗, United Kingdom
- Head office
- 33 Cavendish Square, W1G 0PW London, United Kingdom (registered office: 167-169 Great Portland Street, London, England, W1W 5PF)
- Company register
- Companies House 10266827
- Incorporated
- 7 Jul 2016
- Founder
- Dmitri (Dima) Kats
Online
- Websites & references
- clearjunction.com ↗
- Official social accounts
- None found
Sources · 18 pages consulted
- register.fca.org.uk/s/firm?id=001b000003WfpJCAAZ
- find-and-update.company-information.service.gov.uk/company/10266827
- find-and-update.company-information.service.gov.uk/company/10266827/officers
- find-and-update.company-information.service.gov.uk/company/10266827/persons-with-significant-control
- find-and-update.company-information.service.gov.uk/company/10266827/filing-history
- find-and-update.company-information.service.gov.uk/company/10266827/filing-history/MzU0NTY0NDc5M2FkaXF6a2N4/document?format=pdf&download=0
- find-and-update.company-information.service.gov.uk/company/10266710/persons-with-significant-control
- clearjunction.com/
- clearjunction.com/legal/website-terms-of-use/
- clearjunction.com/about/
- clearjunction.com/clients/banks/
- clearjunction.com/faq/
- fca.org.uk/news/warnings/clear-junction-clone-fca-authorised-firm
- globenewswire.com/news-release/2026/06/03/3305796/0/en/clear-junction-group-and-agant-partner-to-support-in
- macaubusiness.com/coins-ph-selects-clear-junction-to-support-european-payment-corridors/
- financialit.net/news/cryptocurrencies/clear-junction-launches-onchain-stablecoin-pay-service
- openbankingexpo.com/news/clear-junction-gains-a-foothold-in-digital-assets-with-altalix-acquisition/
- lei.bloomberg.com/leis/view/894500TIVFSVPSDT9X53
Authorisation
Researched 29 Sep 2026 · Sources
- Operates under
- Its own licences
The FCA authorises the firm as an electronic money institution under the Electronic Money Regulations 2011, Firm Reference Number 900684. Its permissions cover issuing e-money and payment services, including money remittance.
| Authority | Licence or registration | Number | Held | Status | Source |
|---|---|---|---|---|---|
| Financial Conduct Authority United Kingdom | Authorised Electronic Money Institution | 900684 | In its own name | Active | register.fca.org.uk ↗ |
Licences and registrations the research found, at home and abroad, as the firm and its regulators publish them. The Licences and registrations card shows the entries on the registers the directory tracks.
Partners and safeguarding
Researched 29 Sep 2026 · Sources
- Safeguarding
- Segregated safeguarding accountsThe firm states that it uses the segregation method: client funds sit in designated safeguarding accounts, apart from its own accounts, and face an annual independent safeguarding audit.
- Crypto-asset custody
- Not disclosedThe firm offers eligible institutional clients onChain stablecoin pay-in and pay-out services that convert between fiat and supported stablecoins. The group's FCA cryptoasset registration is held by its sister company Clear Junction Digital Limited.
- Payment schemes and card networks
- Swift Direct clearjunction.com ↗
SEPA Credit Transfer Access not stated clearjunction.com ↗
SEPA Instant Credit Transfer Access not stated clearjunction.com ↗
Faster Payments Access not stated clearjunction.com ↗
CHAPS Access not stated clearjunction.com ↗
Bacs Access not stated find-and-update.company-information.service.gov.uk ↗
Banks and regulated firms the firm says hold its customers’ money, issue its cards, sponsor its accounts or settle its payments, as it discloses them in its terms and notices.
Products and markets
Researched 29 Sep 2026 · Sources
It gives banks, EMIs, remittance firms, FX providers and digital-asset firms access to GBP and EUR payment schemes through correspondent accounts and named virtual IBANs.
According to its 2025 annual report, the firm serves institutional clients in the UK and Europe and in other countries on five continents.
- Revenue
- EUR 14.4m
- Payment volume
- GBP 26bnannual payment value (stated as 'over £26 billion')
- Sells to
- Financial institutions · Platforms and marketplaces
- Serves customers in 4 countries
- United Kingdom · United States · Singapore · Israel
Leadership
Researched 29 Sep 2026 · Sources
- Chief executive
-
Teresa Cameron
Group CEO and director
- Chair
- Dmitri (Dima) Kats Group Executive Chairman and director
- Executive
- Olga Mackintosh Chief Commercial Officer
Recent events
Researched 29 Sep 2026 · Sources
-
Other
Companies House recorded Clear Junction Holding Limited as the firm's person with significant control and ended Dmitri Kats's entry as a direct one.
find-and-update.company-information.service.gov.uk ↗ -
Other
The group announced a partnership with Agant. Under it, the firm supports the fiat GBP flows for issuing and redeeming the GBPA stablecoin.
globenewswire.com ↗ -
Other
Coins.ph selected the firm to provide named virtual IBANs and EUR and GBP payment rails for its European corridors.
macaubusiness.com ↗ -
Other
The firm launched onChain Stablecoin Pay-In, which converts supported stablecoins into fiat credited to institutional clients.
financialit.net ↗ -
Leadership
Former Group CFO Teresa Cameron joined the board on 1 October 2025 and now serves as Group CEO.
find-and-update.company-information.service.gov.uk ↗ -
Merger / acquisition
Clear Junction acquired the FCA-registered cryptoasset firm Altalix for an undisclosed sum and renamed it Clear Junction Digital Limited.
openbankingexpo.com ↗
Compliance-relevant events of the last three years, newest first: fines and enforcement, investigations, security incidents, licence changes, funding rounds, acquisitions and leadership changes. Each links to its source.
Regulator warnings
Researched 29 Sep 2026 · Sources
-
Impersonation Financial Conduct Authority, United Kingdom
The FCA warned that a clone firm was copying Clear Junction's name, reference number and details to pose as the authorised firm.
fca.org.uk ↗
Entries on regulators’ consumer-warning lists that name the firm or its brand. An impersonation warning is about fraudsters posing as the firm, not about the firm itself.
Identifiers
Head-office record
- BIC
- CLJUGB2AXXX
- How the BIC breaks down
- CLJUBank
- GBCountry · United Kingdom
- 2ALocation
- XXXBranch · head office
- Branch description
- Not recorded in the directory
- LEI
- 254900NQFJGPQM32QW52
- LEI record
- View on GLEIF ↗
- Licence no. · FCA-EMI
- 900684
- How the LEI was matched
- BIC: Mapped to this BIC in the Swift and GLEIF BIC-to-LEI relationship file.Register entry: Matched by Elucidate on the UK company number the register gives.
- Register-entry ID
- 36ccfbd18249
Profile
- Type
- Payments & e-moneyPayment institutions, e-money and stored-value issuers, and account-information providers. Licensed under payment-services law (e.g. PSD2 in the EU and UK, the Payment Services Act in Singapore). Taken from the licences on the tracked registers.
- Regulation
- Prudential licenceAuthorised with capital, safeguarding and conduct requirements, e.g. an authorised payment or e-money institution in the EU or UK, a major payment institution in Singapore, or a MiCA crypto-asset service provider.
- Register licences
- 1 entry on 1 register
- Activities
- Payment services
- E-money / stored value
- Licensed in
- United Kingdom
- Website (register)
- www.clearjunction.com ↗
- Country · region
- United Kingdom · Europe & Central Asia
- Trading venues (MIC)
- No MIC registered under this LEI list of 2026-09-17
- OFAC sanctions
- No listing cites this BIC
- EU sanctions
- No listing matched this BIC or its LEI
- Country sanctions
- No country programme
Types come from Swift’s BIC classification, the licences on the 22 tracked registers, and the ECB and FSB bank lists. Most banks outside the euro area appear as financial institutions, because their supervisors’ registers are not tracked yet.
Ownership and group
GLEIF relationship records
GLEIF’s relationship records name no parent for this LEI, and no group page is published for it.
Addresses
- Registered address
- 85, GREAT PORTLAND STREET LONDON WC2R 0LR UNITED KINGDOM
- Operational address
- 33 CAVENDISH SQUARE LONDON LONDON W1G 0PW UNITED KINGDOM
ISO 20022 identification
As an agent in a Swift cross-border payment message (CBPR+)
A CBPR+ message identifies this institution by its BIC, and may add its LEI or a clearing code. CBPR+ does not allow a name and postal address next to a BIC.
- Identified by
- BIC, with its LEI
- Roles in CBPR+
- Any agent, including the instructing and instructed agents
CBPR+
For cross-border payments on Swift: the BIC, with the LEI and clearing code where known
<FinInstnId>
<BICFI>CLJUGB2AXXX</BICFI>
<LEI>254900NQFJGPQM32QW52</LEI>
</FinInstnId>Full record
Every ISO 20022 element the directory holds. Base ISO 20022 allows them together. CBPR+ does not allow a name and address next to a BIC
<FinInstnId>
<BICFI>CLJUGB2AXXX</BICFI>
<LEI>254900NQFJGPQM32QW52</LEI>
<Nm>CLEAR JUNCTION LIMITED</Nm>
<PstlAdr>
<TwnNm>LONDON</TwnNm>
<Ctry>GB</Ctry>
<AdrLine>85, GREAT PORTLAND STREET LONDON WC2R 0LR</AdrLine>
</PstlAdr>
</FinInstnId>The BIC, name and address are as published in Swift’s BIC directory. The LEI comes from the Swift and GLEIF BIC-to-LEI file. Check them against your own records before use.
Payment schemes and systems
EPC registers of 2026-09-11 · ECB T2 list of 2026-07-02 · ECB TIPS list of 2026-09-01 · SIX Bank Master valid on 2026-09-28
| Scheme or system | Since | Registered with | Note |
|---|---|---|---|
| TIPS (TARGET Instant Payment Settlement)ISO 20022 messages | — | Head office | — |
TIPS entries have no joining date.
The ECB’s TIPS list does not separate participants from reachable parties. It includes institutions reachable in Swedish kronor as well as in euro.
“ISO 20022 messages” marks a scheme or system whose rulebook or operator specifies ISO 20022 for messages between participants.
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Sources & method
Every value comes from a public source, such as Swift’s ISO 9362 BIC directory, GLEIF or the OFAC and EU sanctions lists. Most sources are matched on a BIC or an LEI, not on a name.
Swift GPI membership is matched on names and is indicative. A missing sanctions match does not mean that no listing applies. Always screen against the official lists.
Register entries are not screened against sanctions lists. The sanctions facts on this page cover the BIC and its LEI only.
An institution is one entry in the directory: a BIC8 in Swift’s directory, or a firm on a tracked register that holds no BIC. Licences held by an institution with a BIC are shown on its page.
Read the methodology →Credits for this page
- Payment schemes and systems—Source: European Central Bank, List of TIPS participants and reachable parties.
- FCA Financial Services Register - E-Money Institutions—Financial Conduct Authority (FCA) · register ↗ as at 25 September 2026
- Overview, authorisation, partners, products, leadership and events—researched per institution by an AI model with web search, from the firm's own website, terms and filings, regulators' registers and notices, company registers and news. Licences, partners, figures, people and events link to their source, and each card shows the research date. AI research can be wrong or out of date, so check key facts at the source.
- Images—logos and photos from Wikimedia Commons (credited with their author and licence) or from the institution's own website, where Wikimedia has none. Elucidate keeps a copy of each; the links lead to the source and the original image. Logo: clearjunction.com (official website) · original; Teresa Cameron: clearjunction.com (official website) · original.
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