Treasury Platform for
$1M+ FX Businesses
Built for importers and exporters worldwide. Save 80%+ vs banks.
0.5% spread • 2.3s settlement • Real-time exposure tracking
Volume-Based Pricing
Lower spreads as your volume grows. Transparent pricing with no hidden fees.
| Annual FX Volume | Unicorn Spread | Bank Spread | Annual Savings |
|---|---|---|---|
| £1M - £5M | 0.50% | 2.50% | £20,000 |
| £5M - £10M | 0.45% | 2.50% | £102,500 |
| £10M - £25M | 0.40% | 2.50% | £262,500 |
| £25M+ | Custom | 2.50% | Contact us |
Enterprise Features
Built for finance teams managing £1M+ in annual FX volume
Real-Time FX Exposure Tracking
Upload supplier bills as PDFs. See live P/L on every invoice. Lock rates before losses pile up. Nobody else has this.
2.3s Settlement Time
10-50x faster than traditional banks. Internal wallet-to-wallet transfers settle in 2.3 seconds average.
Bank-Grade Compliance
0.14s compliance screening vs 24-48 hours at banks. Automated AML/KYC. Full audit trails for £1M+ transactions.
Treasury Analytics Dashboard
Track FX costs, margin impact, budget vs actual rates. Export reports for board meetings. Multi-currency exposure monitoring.
15-Second Rate Locks
Lock FX rates for 15 seconds while you calculate margins. No slippage. Book deals at exactly the rate you see.
Multi-User Team Management
Approval workflows for £100k+ transactions. Role-based permissions. Audit logs.
FREE Container Tracking
Track shipments in real-time. 48-72h demurrage alerts. Save £5k-£10k annually. Integrated with FX exposure.
ERP Integration
Connect with Xero, QuickBooks, SAP, NetSuite, Dynamics. API access. Webhooks. Automated reconciliation.
Forward Contracts
Hedge £1M+ shipments 3-6 months ahead. Lock rates for future deliveries. Natural hedging strategies.
Why We Only Work With $1M+ Businesses
We're niche specialists in high-volume FX operations. By refusing easy, low-volume business, we deliver institutional-grade service to importers and exporters who need it most.
Built for Complex Operations
We don't waste resources on simple consumer transfers. Every feature—treasury analytics, multi-user workflows, forward contracts, API integrations—is designed for businesses managing complex, multi-currency trade operations. This means YOUR team gets tools built for YOUR actual needs.
Small volume businesses (<$1M): You need simple apps like Wise or Revolut, not enterprise treasury tools.
Serious Savings for Serious Volume
On $5M annual FX, you save $101,250 vs banks. On $25M, you save $500k+. We built our platform for businesses where FX costs are a material P&L line item—not pocket change. Your CFO gets institutional pricing with fintech speed, because we focus exclusively on high-value customers.
Small volumes: Consumer fintech apps are better suited for transactions under $1M annually.
White-Glove Service
Your CFO calls our team directly—no consumer support queue. We conduct thorough KYB/KYC because we're handling $1M+ transactions, not £500 personal transfers. You get dedicated relationship management, compliance expertise, and institutional-grade service. That's only possible because we say NO to easy, low-value business.
Light needs: Banks or consumer apps like Wise offer faster onboarding for smaller volumes.
You're in the Right Place If:
We turn away easy business so we can focus exclusively on complex, high-value operations. Here's what that means for you:
$1M+ Annual FX Volume
Importer/exporter with ongoing, high-volume operations—not occasional transactions
Complex Multi-Currency
Managing 5+ currencies, multiple suppliers, FX exposure risk—needs treasury tools
CFO/Finance Director
Decision-maker who values specialist expertise over consumer-grade self-service
Not a fit? Wise Business, Revolut Business, and WorldFirst serve businesses under $1M very well.
Enterprise Success Stories
Real businesses, real savings, real results
Coffee Importer
Challenge
Managing multi-currency exposure across USD, BRL, ETB, VND. FX costs were eating into margins on low-margin commodity business.
Solution
Real-time FX P/L tracking on every shipment. 15-second rate locks during volatile markets. FREE container tracking preventing demurrage.
Results
- £180k annual savings (83% cost reduction)
- Zero demurrage incidents (was £15k/quarter)
- 3% margin improvement on P&L
- Treasury time reduced from 8h/week to 2h/week
“The real-time FX tracking on bills changed everything. We can see exactly what waiting costs us and lock rates before losses pile up.”
Textile Trader
Challenge
Three-currency exposure (INR/CNY/GBP) creating complex hedging requirements. High volume, thin margins meant FX costs = profitability.
Solution
Volume-based pricing (0.40% spread at £25M tier). Multi-currency wallets. Forward contracts for 6-month orders.
Results
- £312k annual savings (85% cost reduction)
- Margin protection on £50M+ sales
- API integration with NetSuite ERP
- Team of 5 users with approval workflows
“At our volume, every 0.1% in FX spread matters. Unicorn's 0.40% vs banks' 2.5% transformed our profitability.”
Electronics Distributor
Challenge
Time-sensitive shipments requiring fast settlement. Manual compliance screening causing 24-48h delays.
Solution
2.3s settlement vs banks' 2-3 days. 0.14s automated compliance screening. FREE logistics tracking.
Results
- £125k annual savings (82% cost reduction)
- Settlement 50x faster (2.3s vs 2 days)
- Zero compliance delays
- Working capital freed up: £500k
“Speed matters in electronics. The 2.3s settlement means we can turn inventory faster and never miss supplier early payment discounts.”
Ready to Save £20k-£500k Annually?
Join enterprise businesses saving 80%+ on FX costs
Bank of Canada-Supervised PSP • FINTRAC-Registered MSB