Fast Wallet-to-Wallet Transfers
What this capability does inside your payment flow.
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 clearly, improve relationships, and never miss a discount for early payment. Use it to reduce payment ambiguity, improve control before money moves, and keep proof, timing, and supplier context closer to the payment decision.
How it works in the payment workflow
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.
Screen before release
Our screening before release verifies the payment against sanctions lists, PEP databases, and fraud patterns.
Confirm movement and status
For wallet-to-wallet transfers, funds arrive in 2.3 seconds average. External payments use local rails for same-day delivery.
What it should remove
Where it matters
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.
Operational difference
| 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 | clear—real-time notification | Next day or later |
| Payment Tracking | Live status updates | Call to enquire |
Need this capability inside your payment flow?
If this is tied to a supplier payment, proof trail, FX decision, or control issue, talk to treasury before the payment becomes harder to manage.
For businesses with $1M+ annual FX volume. Not consumer transfers.