Consultancy service
CLETHOS Consultancy
Analysis, partner matching, and ongoing representation—when you need regulated FX, banking, or treasury capability without a full platform rollout.
Client presentation ·
Overview
Today’s agenda
How Consultancy fits alongside full CLETHOS treasury infrastructure.
The problem
Cross-border money movement is still too slow, costly, and fragmented
Most businesses are not blocked by demand - they are blocked by rails, partner quality, and execution. Collection, conversion, payout, and treasury operations are often split across disconnected providers, each adding delay and cost.
Costs stack up across the chain
- FX spreads, transfer fees, and hidden handling charges erode margin
- Pricing power is weak without established partner relationships
- Commercial negotiations are hard when you are not a priority client
Provider quality and coverage are inconsistent
- Open-directory options are rarely vetted for your exact corridor and model
- Onboarding can be heavy without clear match criteria
- Service quality drops after the initial introduction
No one owns the relationship after go-live
- Escalations, disputes, and pricing reviews become internal firefights
- Teams lose leverage once contracted directly with the partner
- Growth slows when treasury execution cannot keep pace
What this creates: slower customer collections, expensive cross-border flows, weaker treasury visibility, and avoidable risk. CLETHOS Consultancy is designed to fix this end-to-end through discovery, matched regulated partners, and ongoing representation after launch.
Who we are
CLETHOS at a glance
CLETHOS is treasury infrastructure for modern business—helping B2B and B2C operators move, store, and spend money across borders with speed, visibility, and bank-grade security.
The full platform
- Cross-border payments — collections and payouts that settle in minutes, not days, on compliant rails
- Multi-currency accounts & wallets — dedicated fiat balances and customizable wallets in one stack
- Stablecoin infrastructure — USDT, USDC, and other leading assets alongside fiat for liquidity and programmable flows
- Treasury & FX — hold, convert, and optimise balances; partner-enabled access to global currency and settlement networks
- Programmable money — splits, escrow, revenue sharing, and API/dashboard control without managing keys and chains yourself
Why this deck focuses on Consultancy
Not every business needs the full CLETHOS rollout on day one. CLETHOS Consultancy is our alternative path: we analyse your requirements and jurisdictions, design an efficiency plan, match you to vetted in-house partners for FX, banking, treasury—or a unified provider—and stay involved as your ongoing representative: relationship management, commercial leverage, and faster lines to the right people.
The opportunity
You don’t always need the full stack
Many businesses need a single capability executed well—FX, banking access, treasury liquidity—not an end-to-end platform on day one.
- Full platform onboarding is heavy when the immediate need is narrow (one corridor, one product)
- Finding a regulated partner in a new market takes months of research, compliance, and relationship-building
- A one-off introduction leaves you without an advocate when pricing, service, or disputes arise
- Open directories and cold outreach rarely offer vetted partners with ongoing senior coverage
- Teams still need expert FX, banking, or liquidity—without rebuilding treasury from zero
CLETHOS Consultancy is the lighter, sustained path: deep discovery, a matched partner, escrow-backed onboarding—and ongoing representation on a volume-based retainer.
CLETHOS Consultancy
We analyse, match, and stay in the room with you
When you need FX, banking, treasury—or one unified partner—without full CLETHOS infrastructure, we analyse your requirements and jurisdictions, design an efficiency plan, match the right partner, and stay your ongoing representative—not a one-off handoff.
✓
Discovery & plan
We map your needs, entities, corridors, and regulatory context—then design what you need to obtain and how to get there.
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Matched partner
Vetted, regulated specialists from our in-house network—chosen for fit, not pulled from an open directory.
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Ongoing representation
CLETHOS is your middle point to the partner: relationship priority, dispute handling, commercial leverage, and faster communication.
Four partner lanes we cover
$
FX
Exchange, collections & hedging
⌂
Banking
Accounts & local rails
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Treasury
Liquidity across entities
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Unified
Banking, FX & treasury under one roof
Analyse & plan
Deep intake on requirements, jurisdictions, volumes, and constraints—then a clear efficiency plan.
Onboard
Join CLETHOS Consultancy; onboarding fee held in escrow with refund if the programme does not proceed.
Partner match
We identify and connect the best-fit regulated partner for your lane and operating model.
Manage & oversee
Ongoing representation, relationship management, and commercial advocacy on a volume-based retainer.
Partner lanes
Partner lanes we cover
Lane 01 · FX & currency
What we deliver in this lane
Through Consultancy, we connect you to large, regulated currency and payments specialists from our in-house network—then stay involved as your representative for corridor strategy, commercial terms, and day-to-day escalation.
Not a marketplace. Every partner here is a major, regulated institution. Your engagement carries CLETHOS relationship priority, special consideration on rates, and ongoing senior coverage through us—not a one-off referral and silence.
- Payments & collections Pay, collect, and convert in 130+ currencies. Named multi-currency accounts in 30+ currencies; convert balances or pay out directly.
- Currency risk management Hedging strategies aligned to your objectives and risk appetite—so FX volatility doesn’t dictate margins.
- Business finance Working-capital and growth finance options alongside payment needs, where partners offer them.
130+ currenciesNamed accountsHedgingRegulated custodyRelationship prioritySpecial consideration on rates
You contract with the partner; CLETHOS Consultancy manages the relationship on your behalf—priority status, preferential terms where our agreements apply, and continuous oversight. Funds safeguarded via regulated e-money institutions where applicable.
Lane 02 · Banking
What we deliver in this lane
When you need bank accounts and local payment rails—not a full digital treasury build—we match you to large, regulated banking partners and remain your advocate through onboarding, account operations, and commercial discussions.
Established institutions only. We work with major regulated banks and banking groups—not introducers of unknown providers. You benefit from CLETHOS relationship priority, special consideration on rates, and ongoing account-level support through Consultancy.
- Account opening Support for entity setup, KYC, and onboarding with banking partners in target markets.
- Local rails Access to domestic clearing and collection where cross-border fintech alone is not enough.
- Hard-to-reach markets Partners experienced in jurisdictions where traditional banking is slow or opaque.
Named accountsLocal railsMulti-entityRegulatory onboardingRelationship prioritySpecial consideration on rates
You contract with the partner; CLETHOS Consultancy handles ongoing banking relationship management, escalations, and commercial advocacy with preferential terms where applicable.
Lane 03 · Treasury
What we deliver in this lane
For teams that need to hold, move, and optimise balances across currencies and entities without adopting full CLETHOS infrastructure—we match you to large, regulated treasury and liquidity specialists and oversee the partnership long term.
Scale and regulation matter. Partners in this lane are substantial, regulated operators—not niche tools. Consultancy gives you CLETHOS relationship priority, special consideration on rates, and sustained access to senior treasury coverage through us.
- Multi-currency balances Hold and view positions across currencies from a treasury-led operating model.
- Internal liquidity moves Transfers between entities, accounts, and corridors with less friction.
- Balance optimisation Guidance on where to hold cash and when to convert—aligned to your operating cycle.
Multi-currencyLiquidityInternal transfersCash visibilityRelationship prioritySpecial consideration on rates
You contract with the partner; CLETHOS Consultancy provides continuous treasury relationship management, commercial leverage, and preferential pricing through our standing where applicable.
Lane 04 · Unified partner
Everything under one roof
When you want banking, global FX, currency exchange, and treasury from one large, regulated institution—not three separate engagements—we connect you to tier-one unified providers and manage that single relationship on your behalf.
Big, regulated companies—one relationship. Lane 04 is for businesses that need one major partner covering banking, FX, and treasury. Consultancy delivers CLETHOS relationship priority—faster routing, senior coverage, special consideration on rates, and ongoing dispute and service management across the stack.
- Banking & named accounts Multi-currency accounts, local rails, and collections in the corridors you operate—without stitching together separate banking relationships alone.
- Global FX & currency exchange Pay, collect, convert, and hedge across currencies on the same platform and commercial relationship as your accounts.
- Treasury & liquidity Hold, move, and optimise balances across entities and currencies with treasury tooling built into the same partner stack.
- One contract, one relationship Single onboarding with a regulated institution at scale—unified support, aligned economics, and preferential terms through CLETHOS Consultancy when breadth matters more than best-of-breed point solutions.
BankingGlobal FXCurrency exchangeTreasuryRegulated tier-oneRelationship prioritySpecial consideration on rates
You contract with the partner; CLETHOS Consultancy remains your ongoing representative for the unified relationship—commercial advocacy, escalations, and preferential terms where our agreements apply. Upgrade to full CLETHOS infrastructure later if strategy shifts.
All lanes draw from the same in-house network of large, regulated partners—matched to your corridor, entity type, and volume, with ongoing CLETHOS representation, relationship priority, and special consideration on rates.
Choose your path
Full platform vs Consultancy
Go full CLETHOS when stablecoin and digital infrastructure are the strategic priority. Choose Consultancy when fiat accounts, global FX, and currency exchange are primary—and you want a sustained partner representative, not a one-off match.
| CLETHOS infrastructure | CLETHOS Consultancy | |
|---|---|---|
| Best for | Businesses pivoting to stablecoin & digital infrastructure—wallets, programmable money, on-chain liquidity. Fiat collections and payouts support the model; they are not the lead driver. | Businesses where fiat is primary—global FX, banking, treasury, or unified partners—and you want analysis, matching, and ongoing CLETHOS oversight on a retainer. |
| Onboarding | Full digital treasury stack—platform, API, and dashboard access | Discovery & efficiency plan, then Consultancy onboarding (escrow fee)—no full infrastructure rollout |
| Relationship | You operate on CLETHOS digital rails (stablecoins + integrated fiat where needed) | You contract with the partner; CLETHOS stays in the middle as your representative—management, escalations, and commercial advocacy |
| Commercial | Platform & usage economics across digital treasury | Onboarding fee in escrow (refund if programme does not proceed) + monthly retainer scaled to volume |
| Upgrade path | — | Can move to full CLETHOS when digital infrastructure becomes the priority |
FX & payments capability
Global payments beyond borders
Proactive cross-border payment solutions—best-in-class platforms plus a dedicated specialist team. This is the kind of capability we source and manage in the FX lane through CLETHOS Consultancy.
What partners in this lane typically deliver
Payments & collections — Pay, collect, and convert in 130+ currencies globally and locally, with speed and security. Named multi-currency accounts in your name in 30+ currencies—convert balances or pay out directly.
Currency risk management — Hedging strategies aligned to your commercial objectives, competitive environment, and risk appetite—so exchange-rate volatility does not dictate margins.
Business finance — Working-capital and growth finance via access to a broad lender panel (250+ providers) to help close cash-flow gaps when needed.
One-stop global payment solutions — Best-in-class payment platforms combined with a dedicated team of currency specialists. Proactive, hands-on support so unpredictable markets do not have to dictate your margins or your growth plans.
- Global & local — Pay, collect, and convert across corridors worldwide and in local currency—one relationship, not a patchwork of providers.
- Tech + people — Fast, secure online transfers anytime, anywhere—with specialists assigned as your eyes and ears on rates and routing.
- Hedging & forwards — Strategies aligned to your objectives and risk appetite; forward contracts structured with 0% deposit where available.
- Transparent pricing — Highly competitive exchange rates with no payment fees or account-opening fees where applicable—no hidden costs on core flows.
- Finance comparison — Side-by-side view of working-capital and trade-finance options from the lender panel to find the right facility at the right time.
In safe hands — Named account managers from an attentive problem-solving team; client funds safeguarded via FCA-regulated e-money partners held at a credit institution—not commingled with operational balances.
130+
Currencies
30+
Named account currencies
250+
Finance partners
0%
Forward contract deposits
Why businesses choose this profile
- Dedicated team — A named account manager and attentive specialists acting as your eyes and ears on corridors and rates.
- No hidden costs — Competitive FX with transparent fee structures on payments and accounts where applicable.
- Regulated safeguarding — Client funds held with FCA-regulated e-money partners at a credit institution.
- Always-on platform — Fast, secure transfers through an intuitive online experience, globally and locally.
Commercial model
Onboarding + ongoing — aligned incentives
We only succeed when Consultancy delivers real value: a matched partner, a live programme, and a relationship we manage with you over time.
- Onboarding fee collected at intake and held in escrow—released when the programme proceeds, or refunded in full if nothing materialises from the engagement
- Monthly retainer based on volume for ongoing management, oversight, and representation with your partner
- Partner pricing for FX, banking, treasury, or unified services sits between you and the partner—with CLETHOS advocating on your behalf
Onboarding
One-time fee at intake—held in escrow until the programme outcome is clear
Consultancy
Analysis, efficiency plan, partner match, and structured onboarding
Partnership
Live relationship with your matched regulated partner
Ongoing
Monthly retainer by volume—management, oversight & representation
How it works
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Discovery & analysis We map your requirements, jurisdictions, entities, volumes, and goals—confirming Consultancy vs full infrastructure.
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Efficiency plan A clear plan for what you want to obtain, which lane fits, and how we will run the engagement.
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Onboard + escrow Consultancy onboarding fee collected upfront—held until the programme proceeds or refunded if it does not.
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Partner match We connect you to the best-fit vetted partner—with CLETHOS relationship priority from day one.
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Ongoing management We represent you to the partner on a volume-based retainer—commercial leverage, escalations, and continuity.
Ideal for
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Established enterprises
Large, mature businesses that need regulated banking, FX, or treasury in new corridors—with a dedicated advocate, not a one-off introduction.
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Treasury & finance
CFOs and treasury leads who want one vetted specialist plus ongoing CLETHOS representation while keeping existing ERP and banks.
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Platforms & operators
Run a corridor or product with a regulated partner under Consultancy before committing to full CLETHOS infrastructure.
Not sure which path fits? We’ll recommend Consultancy or full platform onboarding after a short discovery call.
Why us
Why CLETHOS Consultancy?
- Fully regulated & licensed partners — Engagements are with providers that hold appropriate licences and regulatory standing in their markets—not unvetted lead lists.
- Deep discovery first — We analyse your requirements, jurisdictions, and operating model before recommending a lane or partner—not a generic referral.
- Your representative to the partner — CLETHOS stays in the relationship: disputes, service issues, and commercial discussions run through us as your advocate.
- Superior partner status — Relationship priority and special consideration on rates because partners are our long-standing counterparts—you benefit without years of direct history.
- Faster, senior communication — Quicker pipelines to the right people at the partner—not retail queues or rotating call centres.
- Escrow onboarding + retainer — Onboarding fee held until the programme proceeds (full refund if it does not); ongoing work on a transparent volume-based retainer.
- Upgrade when you are ready — Start with Consultancy; move to full CLETHOS infrastructure when digital treasury becomes the strategic priority.
Next steps
Start a conversation
Tell us what you’re solving—we’ll confirm fit, outline onboarding and retainer, and scope how Consultancy can represent you with the right partner.
clethos.com/contact
CLETHOS · Treasury infrastructure for modern business