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Not only can they potentially create a differentiator that sets them apart from the competition with fully managed cross-currency transactional services, but by approaching it in the right way, they can also make these services very profitable. ",[],"rich_text$917d978a-ffd4-43ca-a9c5-20430e3a10ec","rich_text",{"variation":413,"version":414,"items":441,"primary":442,"id":456,"slice_type":439,"slice_label":13},[],{"body":443},[444,447,450,453],{"type":419,"text":445,"spans":446,"direction":422},"The challenges of the cross-currency opportunity",[],{"type":424,"text":448,"spans":449,"direction":422},"However, there are good reasons why few neobanks — or some traditional banks for that matter — have fully developed their international offering. 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FX risk management can unnecessarily tie up liquidity better used elsewhere.",[],"rich_text$ebb1ab59-0c0e-40ad-816b-5d566fa95536",{"variation":413,"version":414,"items":458,"primary":459,"id":470,"slice_type":439,"slice_label":13},[],{"body":460},[461,464,467],{"type":419,"text":462,"spans":463,"direction":422},"Choosing the right partners",[],{"type":424,"text":465,"spans":466,"direction":422},"Forming a strong partnership would be a sensible route for an easy access model for any neobank that wants to exploit the opportunity that cross-currency transactions present. ",[],{"type":424,"text":468,"spans":469,"direction":422},"Neobanks generally focus on their domestic market so they will need to find a partner that gives them easy access for their customers to pay in multiple countries and currencies globally, all with a simple funding model in their domestic currency which removes the need for management of multiple currencies in their own treasury department. Trying to build this all for themselves would take a significant amount of time, effort and experience that may not be practical.",[],"rich_text$63581137-a0e6-4878-8033-81bb899c64f7",{"variation":413,"version":414,"items":472,"primary":473,"id":484,"slice_type":439,"slice_label":13},[],{"body":474},[475,478,481],{"type":419,"text":476,"spans":477,"direction":422},"How to deal with US clearing",[],{"type":424,"text":479,"spans":480,"direction":422},"Offering a service that gives customers access to the Eurozone and the rest of Europe is one thing, but the US is a whole different kettle of fish. One of the biggest problems for cross-border business is the ability to clear in the US. ",[],{"type":424,"text":482,"spans":483,"direction":422},"The obvious route to the US is working with a partner with established cross-border and currency capabilities in the country. 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