Approval clarity
Owner-led businesses need a clear path before material payments move.
Team payment controls
Coordinate payment approvals and responsibilities across the team.
Recurring international payment flows involve operations, finance, and leadership. Businesses need clearer roles, approvals, and handoffs before high-value supplier payments are instructed.
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
Role separation
The person preparing a payment should not always be the only reviewer.
Handoff quality
Operations-to-finance handoffs fail when references or documents are incomplete.
Escalation
Stalled payments need a named path to treasury support.
The workflow
How it fits the payment workflow
01Draft createdPayment details are prepared with commercial context.
02Review completedApprover checks beneficiary, amount, references, and documents.
03Instruction releasedPayment moves into the supported route after approval.
04Status sharedTeam members can follow confirmations and holds where available.
05Records maintainedApprovals and outcomes remain available for audit and 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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