fokuss, the trading name for Fokuss Payments Ltd, positions itself as a global payment solutions provider for businesses. The company offers multi-currency virtual IBANs, access to payment networks like SEPA and SWIFT, and foreign exchange services. It aims to simplify international business transactions for its clients. Historically, fokuss operated as an EMD (Electronic Money Directive) Agent of PayrNet Limited, which was an Electronic Money Institution authorized by the UK's Financial Conduct Authority (FCA). However, operations have been severely impacted since the FCA imposed restrictions on its principal firm, PayrNet Ltd, in June 2023.