3 Degrees provides a white‑label foreign‑exchange payments platform that enables banks, credit unions, digital banking providers, and corporate finance teams to offer faster, more competitive international transfers without building their own payment networks. The solution integrates with existing core banking systems, giving clients modern cross‑border capabilities and the flexibility to connect with multiple payment partners. It streamlines the end‑to‑end FX workflow, improving speed and cost efficiency for global payments.
Funding
Funding not disclosed
Founders
Product
Problem
Financial institutions and global businesses often lack a ready-made infrastructure to process cross‑border payments efficiently, leading to slower transactions, higher costs, and limited control over international payment flows.
Solution
3 Degrees offers a cloud‑based foreign‑exchange payments platform that integrates directly with digital and core banking systems, enabling banks, credit unions, and corporate finance teams to provide faster, more competitive international payments without constructing their own network. The platform connects to existing and new payment partners, allowing institutions to expand their service offerings, generate additional fee revenue, and maintain tighter operational oversight of cross‑border transactions.
Target Audience
Primary customers are banks, credit unions, and corporate finance teams that need to add or upgrade international payment services for business and consumer clients.
Features
- API and SDK integrations for seamless embedding into digital banking portals and core banking cores
- Real‑time FX pricing and settlement to reduce transaction latency and improve cost competitiveness
- Flexible partner connectivity supporting both legacy and emerging international payment providers
- Built‑in compliance and reporting tools for enhanced operational control and regulatory adherence
- White‑label capabilities that allow institutions to brand the cross‑border payment experience for their customers