Design concept by RequityAI for Lydiam Group. This is not Lydiam's live website and not a financial service.

The future of treasury

One group.
Every currency.

Accounts in your own name, foreign exchange at the real rate, and a team that knows your business. For companies, family offices and private clients.

Open an accountSpeak to an advisor
Registered MSBSecureGlobal

Convert at the real rate

You send
They receive

Fee ·
Continue

One group. One platform. Complete financial capability.

Lydiam Group is an international financial services and advisory group supporting corporates, institutions, high-net-worth individuals, family offices and professionals. We simplify global finance by bringing everything together under one onboarding, one relationship and one platform.

01

Global FX

Live rates across major and less common currencies, with treasury tools built in.

 02

Crypto assets

On ramps into digital assets and off ramps back to fiat, in the same account.

 03

Payments

Supplier, staff, merchant and card payments, local and cross-border.

 04

Advisory

Guidance on treasury, hedging and structure from people who know your business.

 05

Commodities

Part of Lydiam's solutions. Details from the team on request.

Everything you need. Nothing you don't.

Built for speed, transparency and control.

Identity
Company documents
Source of funds
Verified

One onboarding

A single KYC process for every service. No repeated paperwork.

GBPGB82 LYDM 2931 ····£42,920.00
EURBE91 LYDM 8821 ····€12,450.00
USDUS21 LYDM 1002 ····$8,200.00
JPYJP04 LYDM 7710 ····¥1,240,000

Named IBAN accounts

Virtual IBANs in your own name for collections and payments.

L
USD
EUR
INR
AED
ZAR

Global reach

Support for complex corridors and less common currencies.

Complete suite

FX, crypto, payments and advisory, integrated in one place. Click the tabs.

Morning. Your EUR invoices are due Friday.
Want me to fix the rate today?
Your relationship managerOnline · replies in minutes

A dedicated manager

Personal support from an expert who understands your business.

Operating acrossUnited States · London · Warsaw · Dubai · Johannesburg · Kerala

Every account you need. One login.

Hold, convert, pay and approve across currencies, without juggling five banks and a broker.

LYDIAM
HomePaymentsCardsTeam
Your Company Ltd
Total balance, in USD
£0
Across 6 currencies · updated just now
Euro account details
Share these to get paid in EUR
Active
Account holder
Your Company Ltd
IBAN
GB00 LYDM 0000 0000 0000 00
BIC / SWIFT
LYDMXXXX
Bank address
Provided by Lydiam on activation

Sample details for illustration.

LYDIAM•••• 4410Operations
Monthly limit
$10,520 spentof $25,000
Online payments
Contactless
Cash withdrawals
Waiting for you
Rule: over $25,000 needs two approvers
Kraków Components€84,200.00 · requested by Anna
Gulf Freight LLCNew payee · usable in 23 hoursCooling off
Kochi payroll₹3,100,000.00 · approved by 2Scheduled
London office rent£12,400.00 · approved by 2Sent
Outgoing payments by currency
Last 6 months, in USD
USDEURINR and AED

Transform your financial operations.

See how Lydiam turns chaos into clarity. One platform to replace them all.

The problem

Fragmented chaos

Managing treasury across disconnected providers creates operational risk and kills efficiency.

  • Multiple logins and 2FA fatigue
  • Opaque FX rates and hidden fees
  • Slow T+2 settlement
  • Scattered reporting and data

The solution

Unified control

One powerful operating system to manage your entire financial lifecycle in real time.

  • A single secure access point
  • Wholesale interbank rates
  • Instant global settlement
  • A real-time consolidated view
Bank ALogin 1 of 4
Crypto appLogin 2 of 4
PaymentsT+2 settlement
AdvisorEmail and spreadsheets
LLydiam

Connection failed

FragmentedUnified

Drag the slider to fix the fragmentation

Markets, priced in your currency.

Daily reference rates from the European Central Bank with a 30-day trend. Crypto prices are live.

CurrencyPrice30 daysTrend

Loading rates…

Built around how you move money.

Four kinds of client, one standard of service. Tell us about yours and we'll show you the fit.

Agents that work the night shift. You keep the keys.

Lydiam Autopilot reconciles, watches rates, chases invoices and drafts hedges around the clock. Anything that moves money waits for your approval.

Works inside the tools you already use: Slack, Microsoft Teams, Claude and ChatGPT. Every action is logged, and every payment needs a human.

Lydiamnow

Five offices. Open somewhere, always.

Teams on the ground in London, Warsaw, Dubai, Johannesburg and Kerala, with service across the United States and Canada.

Your bank's exchange rate is a fee.

Most banks add a markup to every conversion and never show it on the statement. Move the sliders to see what yours costs you.

Not sure? Compare the rate on your last statement with the mid-market rate on that day.
Illustrative. Final pricing is set by Lydiam and depends on volume.
You'd keep, every year
Your bank
Lydiam
Get a savings report

Why clients choose Lydiam.

How we compare with traditional banks and brokers.

Banks provide accounts.Lydiam provides coordination.
Fintechs provide tools.Lydiam provides solutions.
Brokers execute trades.Lydiam supports the full lifecycle.
LydiamTraditional banksTraditional FX brokers
Crypto on-rampingYesNoNo
Off-ramping to fiatYesNoSome
Privacy and securityTrusted solutionsAccounts can be frozenLimited
24/7 trading and swapsYesWeekdays onlySome
Compliant and flexibleYesYesYes
Competitive ratesYesNoHigh spreads
Named bank accountsFuture-proof complianceNoNo
Card paymentsLow feesNoNo

In a world of fragmented providers and disconnected tools, Lydiam offers a single, structured alternative, built for clients who operate globally and think long term.

Three metals. One standard of care.

Every client gets the same platform. As your volume grows, so do your pricing, your limits and your access to our advisors.

Sage card

Sage Business

For growing companies trading across borders.

  • Named IBANs in USD, EUR, GBP and JPY
  • Spot, limit and forward FX
  • Cards for your team
  • Support by chat and email

Eligibility and pricing set by Lydiam

Open an account
Champagne card

Champagne Treasury

For high-volume treasury and multi-entity groups.

  • Everything in Sage
  • Tighter FX pricing by volume
  • A dedicated relationship manager
  • Bulk payments and API access

Eligibility and pricing set by Lydiam

Talk to our team
Forest card

Forest Private

For family offices and private clients.

  • Everything in Champagne
  • Advisory and hedging desk
  • Digital asset custody options
  • By invitation only

By invitation

Request an invitation

Treasury tools. No login needed.

The same tools our clients use, free to try. Real rates, your numbers.

What if the rate moves?

You owe a foreign supplier in the future. See what it costs you if the currency moves, with and without a hedge.

Cost in USD. Illustrative: forward points and fees not included. Not advice.

USD to EUR

Daily ECB reference rate.

How healthy is your treasury?

Four questions. A score, and the three changes that would matter most.

0

Plan a payment run

One payment per line: currency, amount, who it's for.

Check us before you trust us.

Fraudsters impersonate financial firms every day. Verify anyone who says they're from Lydiam, check bank details before you pay, and see exactly who we are.

Verify a Lydiam contact

Got an email, call or message from "Lydiam"? Check it here first. If it isn't listed, don't reply, pay or send documents.

Check bank details

Validate an IBAN before you send money. We check the structure, the checksum and the country.

Passkeys, not passwordsFace ID, Touch ID or a hardware key. No SMS codes to intercept.
Payee name checkWe confirm the account name before money moves, and warn you when details change.
A day to cool offNew payees wait a day before the first payment, so a stolen session can't empty an account.
Two people to approvePayments above your limit need a second approver. You set the thresholds.
Device controlSee every signed-in device, freeze a card or a user, and log out everywhere in one tap.
A private safety phraseYour private phrase appears on every genuine email from us. No phrase, not us.
Who we are
EntityJurisdictionStatus, as published by LydiamCheck it yourself
Flumen Pay LLCUnited StatesMoney Services Business registered with FinCEN, no. 31000332913768FinCEN register
Flumen Pay LLCCanadaMoney Services Business registered with FINTRAC, no. C10001396FINTRAC register
Lydiam Group LtdEngland and WalesHolds no financial services licence or authorisationCompanies House
Lydiam Group L.L.C-FZUnited Arab EmiratesHolds no financial services licence or authorisationRegister link to come
Lydiam Group Sp. z o.o.PolandHolds no financial services licence or authorisationRegister link to come

From the desk. Plain English, every week.

What moved, what's next and what it means for the money you owe and the money you're owed.

Sterling6 min readSample article

Before the rate decision: what payables teams should lock in now

How to think about a known event on next quarter's supplier bill, and the share of it worth fixing today.

Read the note
Rupee4 min

Timing payroll in India around rupee swings

A simple rule for monthly INR payroll.

Read
Dirham5 min

The dirham peg, explained for finance teams

What a fixed rate does and does not protect you from.

Read

The Monday briefing

Five minutes on the currencies you hold. No noise, no hype.

Questions, answered.

Who can open an account?

Companies, family offices, institutions and private clients. Lydiam does not advertise or offer services to people in the European Union, the European Economic Area or the United Kingdom. Final eligibility is decided by Lydiam's compliance team.

What is a named IBAN?

An account number in your own company or personal name, so the people paying you see you rather than a pooled account. Lydiam shows named accounts in USD, EUR, GBP and JPY.

How much does it cost?

Every fee will be listed on the pricing page, with a clear markup over the mid-market rate. Final pricing is set by Lydiam and depends on volume.

How do I know an email is really from you?

Check for your private safety phrase, and use "Verify a Lydiam contact" above. We only email from lydiamgroup.com.

Can I fix a rate for a future payment?

Yes. Spot quotes are held while you confirm, limit orders convert automatically at your target, and forwards fix a rate for a future date.

Ready to upgrade?

Join the financial operating system built for the future. Onboard in minutes, operate globally forever.

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