Due-date pressure
Late payments can damage supplier terms even when FX movement is favorable.
Invoice and FX linkage
Keep invoice timing and FX decisions in the same workflow.
When invoices are payable in foreign currency, finance needs one workflow for due timing, FX context, beneficiary accuracy, and the decision to convert or pay.
Built for businesses with £1M+ equivalent annual FX exposure and recurring international supplier, customer, or treasury payment flows.
Why it matters
Why this capability matters
FX timing
Finance may need to separate when to convert from when to pay.
Cash visibility
Payables should be visible against available balances and expected receipts.
Proof trail
Suppliers and banks ask for invoice-linked references and payment evidence.
The workflow
How it fits the payment workflow
01Payable createdInvoice timing and currency context are recorded.
02FX decision reviewedFinance reviews conversion and pay-out timing against the payable.
03Payment approvedThe business completes its internal approval path before instruction.
04Funds movedConversion and pay-out proceed through supported routes.
05Records updatedInvoice, FX, and payment status are kept for reconciliation.
Factors to review
What can affect timing, availability, or outcome
currency and corridorroute and provider arrangementjurisdiction and account typesender or beneficiary bank handlingcompliance or document reviewbanking cut-off times and holidaysaccuracy of references, invoices, and beneficiary details
Fit
Where Unicorn Currencies fits
Unicorn Currencies is best suited to businesses with recurring international payment flows that need payer context, payment proof, reconciliation clarity, and human treasury support when something does not match expectations.
Not built for
Not built for
one-off personal transfersretail remittancedomestic-only bankingcasual wallet usageoccasional small FX conversions
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