Sell into 7 non-EUR markets without opening bank accounts

Cerivio lists your product in the buyer's local currency, collects payment locally, converts to EUR at the ECB reference rate less our spread (0.75-1.50% depending on tier), and pays you in EUR into your existing SEPA account. No FX bank account. No opening balance sheets in Zurich. Zero currency risk for you.

Coverage · GBP · CHF · PLN · SEK · DKK · NOK · RON Rate source · ECB daily reference Spread · 0.75% – 1.50% flat, tier-based

1How it works

Buyer sees the listing in their local currency. Pricing engine converts your EUR list price using today's ECB rate — the buyer never sees "€" if they're checking out from London or Zürich.
Buyer pays £200.00 (or CHF, PLN, etc.). Stripe collects in the local currency and settles it into Cerivio's local pooling account.
Cerivio converts at ECB rate minus the spread. On a £200 order at 1.180 EUR/GBP, ECB gross = €236.00. Silver seller pays 125 bp → applied rate 1.16525 → seller credit €233.05, Cerivio books €2.95 revenue.
Payout to seller in EUR into your existing SEPA account on the normal 17-day cycle. Nothing about the payout format changes for you.

Zero FX risk for the seller. Cerivio owns the currency risk between buyer payment (day-0) and payout (day-17). If the rate moves against us during that window, it's Cerivio's problem — not yours.

2Coverage · 7 EU-adjacent non-EUR currencies

GBP

Pound Sterling · UK

CHF

Swiss franc · Switzerland

PLN

Złoty · Poland

SEK

Krona · Sweden

DKK

Krone · Denmark

NOK

Krone · Norway

RON

Leu · Romania

TRY / CZK / HUF …

v0.19 launch

3Pricing · flat FX spread by tier

Bronze

1.50% / FX conversion

Silver

1.25% / FX conversion

Gold

1.00% / FX conversion

Enterprise

0.75% / FX conversion

Wise Business quotes 0.35-0.60% plus a hidden mid-market markup. Stripe FX add-on charges 1.0% flat but requires you to operate the bank account. Cerivio bundles conversion, settlement, VAT, and dispute exposure into a single line item at competitive rates.

4Revenue projection · this feature

Assumption	Yr 1	Yr 2	Yr 3
Cross-border GMV (of total)	~8%	~15%	~25%
Local-currency GMV per year (all 7 ccys)	€10M	€28M	€60M
Blended FX spread (~1.15% across tiers)	1.15%	1.10%	1.05%
FX spread revenue	€115k	€308k	€630k

Capital / risk: Cerivio pools currency positions and hedges the day-0 → day-17 exposure with a partner bank. Net margin ~85-90% at scale.

5Get started

No opt-in needed — every seller is enrolled by default for the 7 launch currencies.
Your existing EUR listings are auto-translated into local prices using today's ECB rate + Cerivio spread.
Payouts continue to arrive in EUR into your existing SEPA account. No account change required.