Unicorn Currencies
Unicorn Currencies
How it worksBusiness AccountsFXPricingFAQOpen Account
GBP FPS · CHAPSEUR SEPA · InstantUSD ACH · FedwireCAD EFT · InteracAED Local railsSWIFT USD → 180+ countriesGBP FPS · CHAPSEUR SEPA · InstantUSD ACH · FedwireCAD EFT · InteracAED Local railsSWIFT USD → 180+ countries
FX & cross-border payments · $1M+ flows

Pay in LondonTorontoFrankfurtNew YorkDubaiLondon
as a local.

Five local business accounts. Local rails in five markets. USD by SWIFT to 180+ countries.

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5 Local Business Accounts
United KingdomGBP
CanadaCAD
EuropeEUR
United StatesUSD
United Arab EmiratesAED
Why $1M+

We only take businesses moving $1M+ a year.

Fewer clients, more attention.
Every account gets a named specialist and a desk that answers.

Why the threshold exists →
IMP
Importers paying suppliers
Recurring supplier payments where proof, references, and corridor handling matter operationally.
EXP
Exporters receiving international funds
Customer and trade receipts that need clearer payer context and reconciliation support.
FX
Finance teams managing recurring FX
Cross-border payables and receivables where FX visibility should be reviewable before payment.
OPS
B2B operators needing human treasury support
When delayed, amended, recalled, or short-paid payments need ownership, not only an app status.
The journey of one payment
YOUR GBP
London
UNICORN CURRENCIES
pre-agreed margin
USD · FEDWIRE
New York, as a local credit
Your counterparty sees a domestic Fedwire credit, not an international wire with fees lifted along the way.
Rails
GBP
Faster Payments · CHAPS
EUR
SEPA · SEPA Instant
USD
ACH · Fedwire
CAD
EFT · Interac · Wire
AED
AED local rails
GLOBAL
USD SWIFT · 180+ countries
GBP→CNYCAD→AEDUSD→MXNEUR→GBPCAD→USDGBP→AEDUSD→VNDEUR→CAD
Settlement speed, rail by rail
SEPA INSTANT
instant
FPS (GBP)
instant
AED LOCAL
instant
INTERAC (CAD)
minutes
FEDWIRE (USD)
same-day
ACH (USD)
1 to 2 days
SWIFT (USD)
1 to 3 days
The cost of a $100,000 payment
Traditional bank wire
FX margin (2 to 4%)−$2,000 to $4,000
Wire fee−$45
Correspondent lifting−$20 to $50
Beneficiary receipt fee−$15
Arrives1 to 5 days, short
Unicorn Currencies rails
Pre-agreed FX marginvolume-priced
Local transfer feeflat, known upfront
Correspondent liftingnone
Beneficiary receipt feenone
Arriveslocal speed, in full

One pre-agreed FX margin. No spread games, no fee lifted mid route. It does not move when the market gets busy. See pricing →

Client ledger

"Our supplier payments used to vanish for days and arrive short. Now Frankfurt sees a domestic credit and our margin is the same number we agreed in January."

GBP 18M
moved per year
4 CORRIDORS
GBP, USD, EUR, AED
1 MARGIN
pre-agreed, unchanged
Director, London importer · client since 2022
Business local accounts

Five local business accounts. Named, with local details.

GBP
United Kingdom
Sort code and account number in your business's name. Faster Payments and CHAPS.
EUR
UK · Denmark · Lithuania · Germany
Your own IBAN. Send and receive over SEPA and SEPA Instant.
USD
United States
US routing details. Pay suppliers over ACH and Fedwire like a domestic business.
CAD
Canada
Canadian rails: EFT, Interac e-Transfer, and wire payments.
AED
United Arab Emirates
AED local rails for payments in and out of the Emirates.
NEXT ▍
More local accounts coming
New markets are added as corridors demand it. Tell us where your suppliers are.
From application to first payment
STEP 01
Apply
One application for all six currencies.
STEP 02
Verify
KYB review by a named specialist.
STEP 03
Transact
Accounts issued, rails live.
APPROVED
A note from the founder

"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."

N.M. Thakur
N.M. Thakur
Chief Executive Officer, Unicorn Currencies
LinkedIn ↗
Meet the company →
FAQ
Businesses with meaningful cross-border flows, typically more than $1 million in annual FX, that want local account details, a pre-agreed FX margin, and payments that arrive like domestic transfers.
Desk feed

Money in motion, right now.

Every payment carries its rail, its reference, and its settlement time. Finance teams see the same feed the desk sees.

UNICORN CURRENCIES · SETTLEMENTS.FEEDLIVE
CORRIDORRAILREFSTATUS
GBP→EURSEPA INSTANTUC-88214SETTLED
CAD→USDFEDWIREUC-88209SETTLED SAME DAY
EUR→AEDAED LOCALUC-88197SETTLED
USD→CNYUSD SWIFTUC-88191IN TRANSIT
GBP→CADINTERACUC-88186SETTLED
PROOF AND REFERENCE ON EVERY ROWEXPORT CSV →

A named human owns your payment.

Delayed, amended, recalled, or short paid: the desk answers the same business day, with the reference in hand.

Stop paying international prices for international payments.

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Client funds are held separately from Unicorn Currencies' own funds, with regulated banking partners. How we protect client money →