Clear Junction alternative for firms outside finance
Clear Junction serves financial institutions that hold a licence. Unigox is a Clear Junction alternative for companies outside finance that want EUR, GBP and USD accounts beside stablecoins. EMIs and crypto firms issuing virtual IBANs should stay.
When to stay with Clear Junction
You give each of your customers a named IBAN
Clear Junction assigns a unique virtual IBAN to every approved customer, person or company, under your own master account, creates them by API and sends real-time notices of credits and returns. Your customers reach them only through your platform.
Your counterparties already hold Clear Junction accounts
CJ Clique moves GBP, EUR and USD between Clear Junction clients on its own ledger, 24/7, in seconds. Beyond it you get Faster Payments, Bacs, CHAPS, SEPA, SEPA Instant, SWIFT and T2.
You send USDT or USDC to beneficiaries' wallets
With onChain, you fund in GBP, EUR or USD and Clear Junction converts it and delivers USDT or USDC to a beneficiary's wallet after AML screening: USDT on Ethereum, Tron or BNB Smart Chain, USDC on Ethereum or BNB Smart Chain. Unigox company accounts move stablecoins between the Business Portal and your company's Unigox Wallet.
Clear Junction and Unigox for a company's own accounts
| Topic | Clear Junction | Unigox |
|---|---|---|
| Who it serves | Banks, EMIs, payment firms, remittance and FX firms and digital asset businesses that hold a licence. No private individuals; no trusts, foundations or shell companies; no unregistered crypto-asset businesses. | Companies in or outside finance, registered in Europe or elsewhere, after KYB, unless the country is excluded by the Unigox Terms of Service or under sanctions. If your activity needs a licence, you send it or your registration, or a legal note explaining why you need none. |
| Accounts in your name | Correspondent, collection and corporate accounts. Named multicurrency accounts in GBP and EUR, with USDC and USDT; USD and other currencies move over SWIFT. | A EUR IBAN for SEPA from the Netherlands or Malta, a GBP sort code and account number, and USD accounts with details confirmed at setup. |
| Stablecoins | Correspondent accounts list USDC and USDT beside GBP and EUR. Stablecoins received through onChain are converted into GBP, EUR or USD, and onChain payouts convert fiat into USDT or USDC. Stablecoin transfers are for eligible clients only and confirmed during onboarding. | Stablecoins stay as balances in the Business Portal. You swap EUR or GBP into them and back when you choose, or settle a conversion as an OTC deal. |
| How you start | A review of your licences, customers and fund flows ending in a written scope memo, then a design session with its solutions team. Its site quotes a sandbox in days and production in weeks. | Business onboarding online: you upload the company file yourself, and after approval the Unigox team sets up the products agreed with you. |
| Day-to-day use | One API or a dashboard with maker-checker approval, with webhooks and statements. Corporate accounts add role-based access and multi-user approvals. | The Business Portal: saved recipients, transfers, swaps, and statements as PDF or CSV. |
| Pricing | Not published. The site has no price list and leads to a call with its team. | A plan for your company covering account services, transfers and swaps, confirmed before you commit. |
| Regulation | Clear Junction Limited is an electronic money institution authorised by the FCA (FRN 900684). Clear Junction Digital Limited is on the FCA register as a cryptoasset business under the MLRs (FRN 900696). | Unigox works through two companies: UNIGOX NETWORK CORP. in Canada handles the local-money side and is registered with FINTRAC as a money services business and with the Bank of Canada as a payment service provider; UNIGOX NETWORK CORP. in Panama handles the crypto side, including wallets and escrow. |
UnigoxSwitch from Clear Junction to Unigox accounts
Open business onboarding
Choose Start business onboarding on the Unigox business accounts page. There is no scope memo or design session first: you fill in the company file yourself, and the company can be registered outside Europe.
Send your KYB file
Upload registration and ownership documents, source-of-funds evidence and what the accounts are for. Each owner of 25% or more, each director and each signatory verifies their identity.
Redirect payers and swap
Once your plan is confirmed and the accounts are open, give payers the new IBAN or sort code. Swap incoming euros or pounds into stablecoins whenever your company wants them.
Clear Junction alternatives: questions
What is Clear Junction, and who uses it?
Clear Junction is a London e-money institution that gives banks, EMIs, payment firms and digital asset businesses GBP and EUR accounts, named virtual IBANs and UK and EU payment rails. It does not serve private individuals. Unigox suits the company outside finance that wants its own accounts beside stablecoin balances.
See business accountsDoes Clear Junction publish an API reference?
Clear Junction describes one API for onboarding, account management, virtual IBANs and pay-ins and pay-outs, with webhooks and a sandbox, but publishes no API reference on its site. Unigox business accounts are run from the Business Portal; to pay people to a bank or mobile money account from USDT or USDC, the Unigox Payments API has a sandbox after KYB.
See the Payments APIIs there a Clear Junction price list?
Clear Junction publishes no price list; its product pages lead to a call with its team. At Unigox, each company gets one plan for account services, transfers and swaps, confirmed before it starts.
Can a non-financial company open a Clear Junction account?
Its contact page says it serves financial institutions holding a licence, and its enquiry form asks you to confirm that you represent a financial institution. A trading, services or software company is not the client it describes. Unigox reviews such a company through KYB like any other.
Accounts for firms outside finance
Tell us what your company sells, where it is registered and whether payers now pay you at a virtual IBAN. We confirm the EUR, GBP and USD accounts and your pricing plan before you commit.
Clear Junction and other names and logos are trademarks of their respective owners. Unigox is not affiliated with, endorsed or sponsored by them. Information about other companies comes from public sources, mainly the companies' own websites, and each company can change its products and fees at any time.