Currency separation
Mixed-currency operations need clearer attribution before pay-out.
Multi-currency balances
Hold and allocate multi-currency balances with clearer context.
Businesses receiving and paying internationally need to know what funds are available, in which currency, for which purpose, and what happens next—hold, convert, allocate, or pay a supplier.
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
Allocation decisions
Incoming funds may need to fund suppliers, FX, or internal treasury moves.
Reconciliation
Finance teams need balances tied to invoices, customers, and payment purpose.
Route context
Availability and movement depend on currency, jurisdiction, and provider arrangement.
The workflow
How it fits the payment workflow
01Funds identifiedIncoming or existing balances are linked to payer, reference, or treasury context.
02Purpose confirmedFinance confirms whether funds should be held, converted, or paid out.
03FX or payout preparedThe next action is prepared with route, beneficiary, and proof requirements.
04Instruction executedMovement proceeds through the supported route and review path.
05Balances reconciledRecords reflect what remains, what moved, and why.
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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