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Ivy is a fintech company that describes itself as a default global instant payments network. Its mission is to move money at internet speed, and it positions itself as a connective API layer between real-time payment rails and regulated interoperability assets. Ivy enables businesses to send and receive global real-time bank payments. The company maintains offices in Berlin, Munich, London, and Helsinki and has secured $30 million in funding from investors including Valar Ventures and Creandum. Operating in the financial technology sector, Ivy focuses on making local payment schemes interoperable to accelerate settlement and reduce costs.