# Business Description

INTERNATIONAL PAYMENT & FX CONSULTANTS (trading as RTW) is a London-based foreign exchange advisory firm specialising in independent currency broker placement for private and corporate clients. Rather than providing currency services directly, RTW acts as an intermediary, leveraging relationships with a curated panel of world-leading currency brokers to match clients with the most suitable provider for their specific needs.

For corporate clients across sectors including food & beverage and trade finance, RTW delivers tangible financial benefits through improved exchange rates, reduced forward deposits, and transparent pricing structures. The firm's extensive transaction volumes and deep sector knowledge ensure clients access competitive rates alongside cutting-edge technology platforms and expert market guidance. This approach addresses a fundamental market inefficiency: most brokers are not equally suited to every client, yet businesses typically lack the expertise to identify optimal partners.

The private client division targets individuals making international transfers—whether purchasing overseas property, funding education, or supporting family abroad. RTW's data shows clients save an average of £3,500 per £100,000 transferred compared to traditional bank exchange services. Private clients additionally benefit from an integrated rate comparison platform enabling transparent broker benchmarking on individual trades.

RTW's competitive advantage lies in its broker-agnostic positioning and willingness to negotiate on behalf of clients. By absorbing broker evaluation complexity and leveraging collective volume, the firm delivers value that individual clients cannot achieve independently, whilst maintaining independence from any single provider.