Tomorrow's payment technology, today

Fast, low-cost, international payment technology for Businesses, Banks and Fintechs.

A yellow pearl moving along a groove which splits into multiple grooves showing multi-rail payment routes.A yellow pearl moving along a groove which splits into multiple grooves showing multi-rail payment routes.

We’re building new technology to enable innovative cross-border payments for Businesses, Banks and Fintechs.

Send money to 180+ countries.

Single API, multiple emerging and traditional rails.


The fastest, lowest-cost, global business payments

Pay international invoices, vendors and employees in 180+ countries and with 37 currencies.

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Global payments, global benefits

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Reduce operational costs

Fast, transparent settlements mean less resources spent tracking them, and less time wasted for your organisation.

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Reduce transaction costs

Save on high cross-border bank payment fees and FX rates; exchange currencies at the mid-market rate, every time.

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Manage currency volatility

Safeguard procurement budgets by holding balances in multiple currencies with instant intra-wallet exchanges.

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Rest assured

Our proprietary AI algorithm finds the best payment route every time, and our Hybrid Multi-Cloud technology ensures ultimate reliability.

Be first to use our new business payments platform

Get early access to DANIELGlobal, our business payments platform, and help define its features as we build and scale prior to the public beta release.

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Lowest cost

We're striving to build the lowest cost cross-border payment system in the world.

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Near-instant settlements

We're adopting the latest technology to radically accelerate settlement times.

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No hidden fees, no subscriptions, no surprises. Know your total transaction costs upfront, every time.

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Real FX rates

Access the real mid-market forex rates without hidden fees, and exhange currencies quickly and reliably.


A powerful API connecting Financial Institutions to emerging and traditional payment rails, instantly

Building a smarter cross-border payments API for the Banks and Fintechs of the future.

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DANIEL Hybrid Multi-Cloud Super-Network of DLT payment technology API stack

Powerful API features

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Automatically gain access emerging technologies, such as DLT, when available via a single initial integration.

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Our proprietary Hybrid Multi-Cloud technology enables 100% uptime, and reduces cloud costs and vendor lock-in.

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AI orchestration automatically makes complex decisions for the optimal payment route by speed and cost.

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Manage fees, FX margin, payment rail business rules and more. Our API enables complete configurability.

Our API is packed with proprietary technology

DANIEL is developing a smarter cross-border payments engine built from scratch for the Banks and Fintechs of the future. Our Hybrid Multi-Cloud Super-Network will enable speed, scalability, security and ridiculously low fees through one simple API integration.

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DANIEL Single API icon, showing a single circle connected to multiple circles by a single connector line.

Single API

Access multiple configurable payment rails, both emerging and traditional, with one simple API integration.

DANIEL Multi-cloud icon, showing three clouds stacked.

Hybrid Multi-Cloud

Never go down — our patent pending Hybrid Multi-Cloud means 100% uptime for you and your customers. Ultimate resilience and portability, cost-effective, and liberates your applications from vendor lock-in.

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Revolutionary rails

Automatic access to emerging payment rails as each becomes available via our API — no need to re-integrate.

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Proprietary AI

Our smart AI algorithms form an orchestration layer that instantaneously finds the optimal route by speed and cost.

DANIEL's Kubernetes cluster cross-section visualisation in 3D.

Our expert team

Profile picture of Martin Hopkins, the founder and Chairman of Daniel Finance Ltd

Martin is the Founder of DANIEL. He is currently the CEO of Wealth Management Solutions – a US fund with >$400m AUM, and runs a small-cap private equity fund.

Martin Hopkins


Profile picture of David Daniel, the CEO of Daniel Finance Ltd

David is a former PwC and Deloitte chartered accountant. Over the past 10 years, he has closed £120M in equity & £40M in debt raises and worked on 23 deals worth over £4.1B.

David Daniel


Profile picture of Dave Perry, the CTO of Daniel Finance Ltd

Dave is the Chief Technology Officer of DANIEL, and is also the CEO of Penta.Technology. Previously Head of Technical Design at Barclays, and tech advisor to Starling Bank.

Dave Perry


Profile picture of Aneet Morar, the CPO of Daniel Finance Ltd

Aneet is our Chief Product Officer and has extensive experience leading product teams at PayPal, Monitise (acquired by IBM and Fiserv), American Express, and Lloyds Bank.

Aneet Morar


Driven by impact

“The poorest end-users pay the highest cross-border payment fees. We’re on a mission to make a difference to their lives, putting money back into the pockets of individuals around the world by partnering with businesses and institutions just like yours.”

— David Daniel, CEO

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