Most importers lose three full days of working capital every time they pay a supplier. Not because their contract requires it — but because SWIFT still takes 72 hours to settle. For a £3M/month importer, that means roughly £450,000 is permanently trapped in banking transit.
Capital Lost
Demurrage: The Supply Chain Penalty No One Budgets For
Payment delays don’t just hurt treasury — they delay cargo release. Ports charge £150–£300 per container per day once free-time expires. A typical importer may lose £40,000 per year purely because payments haven’t settled.
Your supply chain shouldn’t wait for your bank.
Payment sent on Monday
Funds stuck in transit Tuesday
Supplier is paid Wednesday
Working capital frozen the entire time
This isn’t strategy — it’s compensation for slow infrastructure.
Stop Subsidising Banks With Your Capital
Every T+3 payment is effectively an interest-free loan to correspondent banks. You carry the liquidity cost. They earn the float.
T+0 settlement ends that subsidy permanently.
The New Playbook: Same-Day (T+0) Settlement
Modern settlement infrastructure removes correspondent banks entirely.
At Unicorn Currencies, payments settle in as little as 2 hours.
Your payment flow finally matches your supply chain speed.
Cargo clears customs
Payment triggers instantly
Supplier receives funds same day
Cargo releases without delay
What You Recover With T+0 Settlement
• £3M importer → £450,000 reclaimed
• £5M importer → £500,000+ reclaimed
• £8M importer → £600,000 reclaimed
This is capital trapped only by settlement delays — nothing else.
Bank of Canada
FINTRAC
Account Security
Stop paying suppliers days in advance
Trigger payments automatically on customs clearance
Settle within hours, not days
Eliminate demurrage entirely
Suppliers get paid faster despite later initiation
You’re not changing suppliers — you’re changing infrastructure.
Why Early Adopters Win
Businesses using T+0 settlement gain a structural liquidity advantage:
• More working capital available
• Reduced credit draw
• Faster inventory turnover
• Better cash ratios
• Stronger supplier relationships
Competitors still using SWIFT rely on slow buffers and outdated processes.
Enter your monthly supplier payment volume
we’ll calculate your exact number. No pitch. Just numbers.