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 it matters
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.
The workflow
How it fits the payment workflow
01Payable or purpose identifiedThe FX decision is tied to a supplier, invoice, or treasury need.
02Rate context reviewedFinance reviews currency pair, amount, and route context before execution.
03Decision confirmedThe business confirms conversion or pay-out within the available review process.
04Payment instructedFunds move through the supported route with required references and proof.
05Outcome recordedRate context and payment evidence are kept for reconciliation and audit.
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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