What we do
Global Money,Without Borders
TekoTransfer — HorizonFlare's digital financial services platform. Open a multi-currency account, spend in over 150 countries with the Teko Card, and transfer money internationally — or locally within supported countries — at the real exchange rate.
TekoTransferMoney without borders — powered by HorizonFlare's institutional liquidity
About TekoTransfer
Institutional Liquidity, For Everyone
Teko is built by HorizonFlare, a quantitative trading firm that has provided market making and liquidity across global exchanges for over 15 years. That institutional infrastructure — access to global FX venues, real-time pricing, and disciplined execution — is what lets Teko move your money at rates and speeds usually reserved for banks and hedge funds.
HorizonFlare's trading desks support the exchange rates, routing, and risk management behind every Teko transaction. You get the benefits of global financial infrastructure without the complexity.
Core Products
One account, every currency you need
Hold dozens of currencies in one account
CAD
USD
EUR
GBP
HKD
SGD
CNY
JPY
MYR
PHP
INR
VND
THBMulti-Currency Account
Hold dozens of currencies in one place. Receive money like a local — with real local account details in supported countries — and keep your funds in the currency you choose, not the one your bank forces on you.
- Real local account details to receive money in supported countries
- Hold multiple currencies and switch between them at the real exchange rate
- Instant conversion between balances — no hidden spreads
Transfers & FX
Move money fast — across borders, or across the street
Transfers — International & Domestic
Send to dozens of countries with transparent, low-cost pricing. Your money converts at the real mid-market rate and arrives fast — often in minutes, not days.
Within supported countries, send through each country's own payment networks — real local rails, local currency, no FX surprise. Perfect for payroll, bills, and everyday money movement.
Currency Exchange at the Real Rate
Convert between balances at the real mid-market rate with a razor-thin margin. Powered by HorizonFlare's institutional access to global FX venues and real-time pricing, you get the same rates we provide to institutions — for your everyday money.
- The real mid-market rate, always
- Razor-thin margin — far better than banks or typical fintechs
- Instant conversion between any of your balances
Teko Card
Your balances, in your pocket
One card that spends directly from your multi-currency balances — wherever your money lives, the Teko Card pays in the currency you choose, converted at the real exchange rate.
Spend Worldwide
Pay in over 150 countries, online and in store — with contactless, chip, and mobile payments.
Real Exchange Rate
Spending converts at the real mid-market rate, powered by HorizonFlare liquidity — no inflated card rates.
Hold What You Earn
Card spends directly from your balances in the currency you choose, with instant switching.
Physical Gold
Own Real Gold, in Canada
Beyond digital balances, Teko lets you buy physical gold in Canada — real, allocated bullion backed by HorizonFlare's physical gold bullion operations. Buy at the live spot price, hold it securely, and take delivery whenever you choose.
- Priced at the live spot price plus a small transparent premium
- Allocated, insured physical bullion — not paper gold
- Secure storage or physical delivery across Canada
Why Teko
Built different, on purpose
Most money movers are banks adding a fee on top of a fee. Teko is built on the other side of that equation — the same infrastructure HorizonFlare uses to make markets for institutions. That means the real exchange rate, transparent fees, and execution speed backed by 15 years of trading expertise.