Executable context
Finance needs the rate in relation to amount, currency, and route—not as an isolated quote.
Rate context before payment
Review rate context before FX and pay-out decisions.
A quoted rate is only useful when finance can see it in context: currency pair, payable amount, payment purpose, route, and the time available to review before instruction.
Built for businesses with £1M+ equivalent annual FX exposure and recurring international supplier, customer, or treasury payment flows.
Why this capability matters
Approval timing
Owner-led teams often need a short review window before confirming a material payment.
Payable linkage
Rate decisions should connect to real invoices and supplier timing.
Post-trade records
Treasury needs to explain what was reviewed when the payment was instructed.
How it fits the payment workflow
Payable or purpose identified
The FX decision is tied to a supplier, invoice, or treasury need.
Rate context reviewed
Finance reviews currency pair, amount, and route context before execution.
Decision confirmed
The business confirms conversion or pay-out within the available review process.
Payment instructed
Funds move through the supported route with required references and proof.
Outcome recorded
Rate context and payment evidence are kept for reconciliation and audit.
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