Accounts in your customers’ own names, live FX quotes, pay-ins and bulk payouts, through one API. Also for white-label partners and businesses.
Your customers apply, log in and reset passwords on your branded host.
The same accounts and the same compliance controls. What changes is whose flows they are and whose brand is on the front.
Accounts for your financial institution and for each approved customer, in that customer’s own name. Sandbox access, with the console, is automatic once you sign up. Production access follows due diligence and an executed agreement.
Your customers apply and log in on your own Unicorn Currencies subdomain, with partner-branded email. You set your own markup. No revenue share.
Hold local collection accounts, convert at your membership tier’s FX margin, and pay out with proof.
For fintechs, PSPs, MSBs, MTOs, and FX and remittance firms.
Each approved customer gets accounts in its own name. Local account details for GBP, USD, AED and CAD, and EUR IBANs in DE, DK, LU and GB.
Customer accountsBulk payouts, merchant settlement and platform payouts. Remittance firms can send to and receive from individuals.
Collections and payoutsCustomers, accounts, beneficiaries, pay-ins, payouts, FX with live quotes and same-currency internal transfers.
DevelopersSandbox on sign-up, then due diligence and an executed agreement for production. Any regulatory registration or licence type.
OnboardingPay-in and payout fees: 0.05% on GBP, EUR and USD, and 0.08% on AED, the same as the institutional FX margin. Unicorn Currencies Limited is registered with FINTRAC as a Money Services Business, Reg. No. C100000159, and is registered as a Payment Service Provider with the Bank of Canada under the Retail Payment Activities Act.
An approved business can hold local collection accounts in GBP, EUR, USD, AED and CAD. Account details are issued per approved account. AED is domestic AED. USD SWIFT reaches 180+ countries. Settlement follows the rail. Search where we work
Businesses from 180+ countries.
One relationship for collecting, converting and paying across your five currency accounts.
Local collection accounts in GBP, EUR, USD, AED and CAD, with details issued per approved account.
Convert between your currency accounts at the FX margin of your membership tier.
Receive payments from your customers into your local accounts.
Pay suppliers and partners from your pre-funded currency accounts.
Proof for each payment, to share with your counterparty.
Monthly minimums GBP 2,500, then GBP 3,500, then GBP 5,000. FX margin 0.05% on GBP, EUR and USD, and 0.08% on AED. Pay-in and payout fees at the same rates.
Institutional pricing White labelGBP 500 a monthYou set your own markup. No revenue share. FX margin to Unicorn Currencies 0.05% on GBP, EUR and USD, and 0.08% on AED.
White-label pricing Business membershipUSD 100 to 500 a monthThree tiers with published FX margins of 0.50%, 0.25% and 0.10% (AED 0.50%, 0.25% and 0.15%), for direct business clients.
Business membershipFor direct business clients. Choose the tier that matches your volume.
| Tier | Monthly | FX margin | AED margin | Volume guide |
|---|---|---|---|---|
| Business | USD 100 | 0.50% | 0.50% | USD 250K to 800K a month |
| Business Plus | USD 300 | 0.25% | 0.25% | USD 800K to 1.33M a month |
| Treasury | USD 500 | 0.10% | 0.15% | USD 1.33M a month and above |
The path for financial institutions.
The path for direct business clients. Timing depends on your structure and documents.
Apply at unicorncurrencies.com/apply. The form creates your membership request.
Unicorn Currencies reviews the business, the owners, and sanctions, and collects the documents in that review.
The membership agreement is signed.
If approved, account details are issued for each approved account.
Pre-fund your currency accounts, convert and pay out, with payment proof.
Businesses do not leave their bank over features. They leave the day a six figure payment is held, a supplier is not credited, and nobody takes ownership. I built Unicorn Currencies for that day. When your money is in motion, someone here is answerable for it, by name.
Accountable for where Unicorn Currencies goes, and how it gets there.
N.M. founded Unicorn Currencies in 2022 to give businesses a payments partner that answers by name. N.M. sets company direction and commercial strategy, and leads how Unicorn Currencies scales payment operations for recurring B2B volume. Before Unicorn Currencies, N.M. spent years in corporate FX and business development, including at Western Union Business Solutions.
LinkedIn ↗Accountable for how every payment is reviewed, held and released.
M.M. built the controls that sit behind every Unicorn Currencies account: the AML and KYB framework, sanctions screening and transaction monitoring. M.M. owns the regulatory controls and operating standards that support Unicorn Currencies’ FINTRAC and Bank of Canada RPAA registrations. Before Unicorn Currencies, M.M. worked in corporate FX and payments at Western Union Business Solutions, Currencies Direct and Sokin.
LinkedIn ↗Every client contracts with this company.
Client funds are held separately from Unicorn Currencies’ own funds with regulated banking partners. Local business accounts are account capabilities. They carry no deposit insurance.
How safeguarding worksTell us who the money belongs to and where it needs to go. For compliance questions, email compliance@unicorncurrencies.com.