We Exist Because Banks Failed Importers
We spent 20 years watching from inside the industry. Importers losing thousands to demurrage because their bank's payment took 3 days. Exporters accepting bad FX rates because they couldn't see what waiting cost them. CFOs managing treasury in spreadsheets because real tools cost £500k.
We decided to fix it. Not with a slightly better bank. With the platform banks refused to build.
The Problem We Solve
If you're an importer or exporter, you know this pain.
What Banks Give You
- ✗2-4% FX spreads eating into margins
- ✗2-3 day settlement (miss supplier deadlines)
- ✗Zero visibility into FX exposure on bills
- ✗No container tracking integration
- ✗£25-40 per payment fees
- ✗24-48 hour compliance delays
- ✗Generic platforms built for everyone
What We Built
- 0.5% spreads (save 80%+ on FX)
- 2.3 second settlement
- Real-time FX P/L on every supplier bill
- FREE container tracking with demurrage alerts
- £5 per payment
- 0.14 second compliance screening
- Purpose-built for importers/exporters
“We watched importers lose thousands to demurrage because their bank's payment took 3 days. We watched exporters accept bad FX rates because they couldn't see what waiting cost them. We decided to fix it.”
Our Mission
Give every $1M+ importer and exporter the treasury technology that was previously only available to Fortune 500 companies.
We believe businesses moving physical goods across borders deserve better than what banks offer. Real-time exposure tracking shouldn't require a $10M treasury system. Instant settlement shouldn't be a luxury. Container tracking shouldn't cost £5k/year extra.
Why We Only Serve $1M+ Businesses
We're deliberately niche. Here's why that makes us better for you.
Focus Creates Excellence
By refusing consumer transfers and small business volumes, every feature we build solves real problems for high-volume trade operations. No compromise features. No consumer-grade limitations.
White-Glove Service
Fewer clients means better service. Your CFO calls us directly—no support queue. Dedicated relationship management. We know your business, your suppliers, your trade lanes.
Meaningful Savings
At $1M+ volume, our 0.5% spread vs banks' 2.5% saves you £20,000+ annually. At $10M, you save £200k+. These are material P&L improvements, not pocket change.
If you're under $1M annual FX: We'll honestly tell you that Wise Business or Revolut Business are better fits. They're excellent for smaller volumes. We're built for complex, high-volume operations.
What Makes Us Different
Real-Time FX Exposure Tracking
Upload supplier bills, see live P/L in red/green as rates move. Know exactly what waiting costs you. No other platform has this—we invented it for trade treasury.
Our signature innovation.
FREE Container Tracking
Track all shipments in one dashboard. Get 48-72h demurrage alerts before penalties hit. Saves £5,000-£10,000 annually. FX + logistics in one platform.
Logistics platforms charge £2k-5k for this.
2.3 Second Settlement
Wallet-to-wallet within our network settles in 2.3 seconds average. Pay suppliers the moment containers are ready for release. Banks take 2-3 days.
50x faster than traditional banking.
0.14s Compliance Screening
Automated AML/KYC in 0.14 seconds vs 24-48 hours at banks. Full audit trails. Bank of Canada PSP supervised. FINTRAC registered.
Compliance that doesn't slow you down.
Our Values
Radical Honesty
We tell you when we're not the right fit. We publish competitor comparisons that acknowledge their strengths. We'd rather lose a sale than mislead you.
Niche Excellence
We refuse easy business to stay focused. Every feature serves $1M+ importers/exporters. We're specialists, not generalists.
Speed as Service
2.3s settlement. 15-second rate locks. 0.14s compliance. In trade, time is money—literally. We obsess over eliminating delays.
Transparency in Everything
No hidden fees. No surprise markups. Published pricing. Open about our regulation. You always know exactly what you're paying.
Regulation & Trust
We handle $1M+ transactions. Trust is non-negotiable.
Bank of Canada PSP
Supervised Payment Service Provider under Bank of Canada oversight. Full regulatory compliance for Canadian operations.
FINTRAC Registered
Registered Money Services Business with FINTRAC. Full AML/KYC compliance. Suspicious transaction reporting.
Segregated Funds
Client funds held in segregated accounts at tier-1 banks. Your money is never co-mingled with operational funds.
Enterprise Security
Bank-grade encryption. SOC 2 compliant infrastructure. Multi-factor authentication. Regular third-party security audits.
Frequently Asked Questions
Common questions about Unicorn Currencies and our platform.
What is Unicorn Currencies?
Unicorn Currencies is a treasury technology platform built for $1M+ importers and exporters. We provide real-time FX exposure tracking on supplier bills, 2.3-second settlement, and FREE container tracking with demurrage alerts. We are Bank of Canada PSP supervised and FINTRAC registered.
Why does Unicorn Currencies only serve $1M+ businesses?
By focusing exclusively on high-volume importers and exporters, every feature we build solves real problems for complex trade operations. We provide white-glove service with dedicated relationship management. At $1M+ volume, our 0.5% spread vs banks 2.5% saves you £20,000+ annually - meaningful P/L impact, not pocket change.
Is Unicorn Currencies regulated?
Yes. We are supervised by the Bank of Canada as a Payment Service Provider (PSP) under the Retail Payment Activities Act. We are also FINTRAC-registered as a Money Services Business. Client funds are held in segregated accounts at tier-1 banks.
What makes Unicorn Currencies different from banks?
Banks charge 2-4% FX spreads and take 2-3 days for settlement. We offer 0.5% spreads (saving 80%+) and 2.3-second settlement. We also provide real-time FX P/L tracking on supplier bills and FREE container tracking - features banks do not offer.
What industries does Unicorn Currencies serve?
We serve importers and exporters in textile trading, food/produce import, coffee and commodity trading, electronics manufacturing, automotive parts distribution, and freight forwarding. Any business shipping physical goods with $1M+ annual FX volume.
Learn more: Why $1M+ · How We're Regulated
Ready to Experience the Difference?
For importers/exporters with $1M+ annual FX who deserve better than banks offer.
Minimum: $1M annual FX volume • 3-week deployment • No long-term contracts