# Neoflow

> One platform for global payments, crypto, cards, and spend

Neoflow provides multi-currency banking, cards, foreign exchange, and crypto services in a single account. It serves global high-growth companies across borders rather than acting as a bank itself.

Neoflow provides a platform for global businesses to manage banking, payments, cards, foreign exchange, and cryptocurrency in one account. It serves high-growth operators working across multiple currencies and jurisdictions, offering multi-currency accounts, corporate card issuance with spending controls, and crypto alongside traditional payment rails. The platform targets fast-moving industries that often face friction with conventional banks.

The platform addresses fragmented financial operations for companies whose business models or geographies fall outside conventional banking risk appetites. It vets client businesses upfront rather than during transaction processing, aiming to reduce blocked transfers and delayed onboarding. Neoflow operates as a financial technology platform rather than a bank, and states adherence to data protection standards and payment card security requirements, alongside safeguarding of client funds.

Its offering spans multi-currency accounts, cards, foreign exchange, a crypto module, and a payment gateway, unified in a single dashboard. Neoflow operates from offices in Limassol, Cyprus, and Dubai, UAE, and sponsors and attends industry events across iGaming, affiliate marketing, fintech, and trading. It is used by companies in software, iGaming, marketing and affiliate networks, the digital and creator economy, online trading, and e-commerce that need to send and receive payments, pay partners, and hold multiple currencies from one account.

- Type: Company
- Sector: Finance
- Status: Active
- Founded: 2021-01-01
- Profile: https://thegrid.id/profiles/neoflow

## Products

- [Neoflow Banking](https://thegrid.id/profiles/neoflow): Neoflow Banking is a multi-currency banking service providing businesses with dedicated IBANs across multiple currencies and access to major payment rails including SEPA, SWIFT, ACH, and Faster Payments. Payments are routed automatically to the fastest and most cost-effective option per transaction, with support for client fund segregation through dedicated collection accounts and bulk payment processing. The same account structure supports crypto-friendly balances, instant currency conversion at live rates, and forward contracts to lock rates ahead of future settlement. (Neobank, Live, Main Product)
- [Neoflow Cards](https://thegrid.id/profiles/neoflow): Neoflow Cards is a card issuance service enabling businesses to create virtual and physical payment cards in any currency held within their accounts. Individual cards can be assigned per team member, campaign, or vendor with configurable spending limits and merchant restrictions linked to specific budgets. Cards are issued on major card networks and can be funded directly from multi-currency account balances. (Card issuance, Live)
- [Neoflow Crypto](https://thegrid.id/profiles/neoflow): Neoflow Crypto is a business crypto management service enabling companies to accept, hold, and convert multiple cryptocurrencies, including bitcoin, ether, and a dollar stablecoin, alongside fiat balances. Received payments can be converted to fiat at spot rates instantly or retained as crypto treasury, with multi-currency wallet addresses, crypto-to-crypto conversions, and bulk payout functionality for affiliates and contractors. All transactions are automatically screened for AML and KYC compliance. (On/Off Ramp, Live)
- [Neoflow Payment Gateway](https://thegrid.id/profiles/neoflow): Neoflow Payment Gateway is a payment acceptance service aggregating cards, local payment methods, and cryptocurrencies through a single API integration. Supported methods include major card networks, regional bank transfer schemes, and multiple cryptocurrencies, with smart routing to optimize transaction success rates and costs. It also supports recurring billing, hosted checkout pages, payment links, and e-commerce plugins, with settlements flowing directly to multi-currency accounts in the corresponding local currency or a preferred currency. (Payments Infrastructure & Orchestration, Live)

## Links

- [Main](https://www.thisisneoflow.com)
- [Privacy policy](https://www.thisisneoflow.com/privacy)
- [Terms of Service](https://www.thisisneoflow.com/legal)
- [LinkedIn](https://www.linkedin.com/company/thisisneoflow)
- [Instagram](https://www.instagram.com/this_is_neoflow)

## Legal

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Model 2 - commercial licenses. The Grid Data Service (TGDS) is also available as a commercial license. See [Web Services Terms](https://about.thegrid.id/legal/web-services-terms) for commercial use that is not covered by the open data service.

The following applies to both licensing models.
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- [Data Licensing & Disclaimers](https://about.thegrid.id/legal/data-licensing-and-disclaimers): Licensing models and disclaimers
- [Open Data (ODbL)](https://about.thegrid.id/legal/open-data): Open Database License terms and scope for The Grid's open data service.
- [Attribution Guidelines](https://about.thegrid.id/legal/open-data-attribution-guidelines): How to attribute The Grid's data when using the open data service.
- [Web Services Terms](https://about.thegrid.id/legal/web-services-terms): commercial Terms for using data services.
- [All Legal Documents](https://about.thegrid.id/legal): Full index of terms, policies, and disclosures

## Optional

- [TGS Field Descriptions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-field-descriptions.md): Schema field definitions for The Grid's data model
- [TGS JSON Structure](https://github.com/The-Grid-Data/workspace-public/blob/main/references/tgs-json-structure.md): Data model structure and relationships
- [Product Type Definitions](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-definitions.md): Definitions for each product type
- [Product Type Classification](https://github.com/The-Grid-Data/workspace-public/blob/main/references/product-type-classification.md): Guide for classifying products into types
- [Grid MCP Guide](https://github.com/The-Grid-Data/workspace-public/blob/main/grid-search/skills/grid-query/references/grid-mcp-guide.md): How to query The Grid programmatically via MCP