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 this capability matters

Currency separation

Mixed-currency operations need clearer attribution before pay-out.

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.

How it fits the payment workflow

Funds identified

Incoming or existing balances are linked to payer, reference, or treasury context.

Purpose confirmed

Finance confirms whether funds should be held, converted, or paid out.

FX or payout prepared

The next action is prepared with route, beneficiary, and proof requirements.

Instruction executed

Movement proceeds through the supported route and review path.

Balances reconciled

Records reflect what remains, what moved, and why.

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