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 this capability matters

Due-date pressure

Late payments can damage supplier terms even when FX movement is favorable.

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.

How it fits the payment workflow

Payable created

Invoice timing and currency context are recorded.

FX decision reviewed

Finance reviews conversion and pay-out timing against the payable.

Payment approved

The business completes its internal approval path before instruction.

Funds moved

Conversion and pay-out proceed through supported routes.

Records updated

Invoice, FX, and payment status are kept for reconciliation.

What can affect timing, availability, or outcome

currency and corridor
route and provider arrangement
jurisdiction and account type
sender or beneficiary bank handling
compliance or document review
banking cut-off times and holidays
accuracy of references, invoices, and beneficiary details

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

one-off personal transfers
retail remittance
domestic-only banking
casual wallet usage
occasional small FX conversions