For CFOs:
Stop paying suppliers early
Hold capital until release. Settle in seconds. Eliminate demurrage exposure.
Why it matters
Traditional SWIFT transfers are sent 2–3 days before arrival. You pay early, tie up capital, and risk demurrage. Unicorn Currencies executes payment at T-0—when goods arrive—so you release funds only when you're ready. Wallet-to-wallet settlement finality within the Unicorn Currencies system averages 2.3 seconds.
Pay On Arrival
The only payment rail synchronized with customs clearance. Synchronize payment with customs clearance to eliminate pre-funding, verify beneficiary banks instantly, and get immediate proof of payment with zero capital drag.
For treasurers
Import/export supplier payments, cross-border treasury, trade finance settlement. ERP integration with NetSuite or SAP for automated reconciliation and real-time audit trails. For companies with $1M+ annual FX volume.
Impact
Frequently Asked Questions
Why do businesses pay suppliers early?
Businesses often pay suppliers early due to fear of FX volatility eroding payment value, slow traditional bank transfers that take 2-3 days to settle, and wanting to secure goods before competitors. This premature payment is a defensive strategy against unreliable payment rails.
What's the cost of paying early?
Paying early ties up working capital that could be deployed elsewhere, creates opportunity cost from lost investment returns, and can still result in demurrage charges if goods arrive late despite early payment. The capital lockup compounds across multiple shipments.
How does Unicorn Currencies help?
With 2.3-second average settlement finality, you can pay at the last possible moment rather than days early. This eliminates the need for pre-funding and lets you synchronize payment precisely with customs clearance and goods release.
How much working capital can I free up?
The amount depends on your FX volume and payment frequency. For companies with $1M annual FX volume, eliminating 3-day pre-funding could free up £50,000-£100,000 in float that was previously locked in transit.
Does faster settlement affect supplier relationships?
No—suppliers receive payment on time exactly when agreed. The difference is you no longer need to send payment days early to account for slow bank transfers. Your suppliers see the same reliable, on-time payment; you just retain your capital longer.
For CFOs Managing $1M+ Annual FX
Eliminate demurrage exposure. T+0 settlement. Hold capital until release. Built for import/export finance teams.
For companies with $1M+ annual FX volume. Not for consumer banking.