Fast Wallet-to-Wallet Transfers
2.3-second average settlement—50x faster than banks
Lightning-fast settlement within the Unicorn Currencies network. While banks take 2-3 business days for international transfers, our wallet-to-wallet transfers average just 2.3 seconds. Pay suppliers instantly, improve relationships, and never miss a discount for early payment.
How It Works
Initiate Payment
Select your supplier from saved beneficiaries or add new details. Enter amount in any currency—we handle the conversion.
Lock Your Rate
See the live rate with 0.5% spread. Lock it for 15 seconds while you review and confirm the payment details.
Instant Compliance
Our 0.14-second compliance screening verifies the payment against sanctions lists, PEP databases, and fraud patterns.
Settlement in Seconds
For wallet-to-wallet transfers, funds arrive in 2.3 seconds average. External payments use local rails for same-day delivery.
Key Benefits
Real-World Use Cases
Container at Port—Pay to Release
Your container arrives and needs immediate payment to clear customs. With 2.3s settlement, you pay and get confirmation before the customs officer finishes their coffee.
Capture Early Payment Discounts
Supplier offers 2% discount for payment within 24 hours. Banks would take 3 days. You pay in seconds, capture the discount, and improve your margins.
Multi-Supplier Payment Run
Process 20 supplier payments across 8 currencies in under 5 minutes. Each settles in seconds with real-time confirmation and automatic reconciliation.
Unicorn vs Traditional Banks
| Aspect | Unicorn Currencies | Traditional Banks |
|---|---|---|
| Settlement Time | 2.3 seconds (wallet-to-wallet) | 2-3 business days (SWIFT) |
| Availability | 24/7/365 | Banking hours only |
| Confirmation | Instant—real-time notification | Next day or later |
| Payment Tracking | Live status updates | Call to enquire |
Frequently Asked Questions
How fast are international payments with Unicorn Currencies?
Wallet-to-wallet transfers within the Unicorn Currencies network settle in 2.3 seconds on average. External payments to supplier bank accounts use local payment rails (SEPA, Faster Payments, ACH) for same-day delivery in most corridors.
Why are you faster than traditional banks?
Banks use SWIFT, which routes through multiple intermediary banks over 2-3 days. We use direct local payment rails and our own settlement network, eliminating intermediaries and their delays.
Can I make payments outside banking hours?
Yes. Our platform operates 24/7. Wallet-to-wallet transfers settle instantly any time. External payments queue for the next local rails processing window (typically same-day or next morning).
How do I know when my payment has settled?
You receive instant confirmation via email, SMS, and in-app notification. The payment status updates in real-time from "Processing" to "Settled" with timestamp and reference.
What currencies support fast settlement?
Wallet-to-wallet transfers work across all 20+ supported currencies. Local rails settlement is available for GBP, EUR, USD, CAD, AUD, and 30+ other major currencies.
See Fast Settlements In Action
Request a 15-minute demo. We'll show you how fast settlements works with your actual invoices and suppliers.
For businesses with $1M+ annual FX volume. Not consumer transfers.