Slide 2 of 22
What it does: Its platform, built on customizable APIs, allows businesses to make sending and receiving international payments from receipt of funds through conversion and payout easy. Its newest features include one that allows businesses to prefund their accounts so payments can be grouped and organized in advance and an API that allows clients to pull funds from their end user's accounts and avoid fees. (Currencycloud CEO Mike Laven pictured.)

Why it matters: Increased global commerce and the on-demand economy have caused a fundamental shift in the way businesses and consumers make payments.