How it works
From onboarding to payment proof in one controlled workflow.
Unicorn Currencies gives businesses a clearer operating path for recurring international payments: onboard the business, add counterparties, receive or fund, review FX, send the payment, and keep evidence for finance and supplier conversations.
Built for businesses with $1M+ equivalent annual FX exposure and recurring supplier, customer, or treasury payment flows.
The 6-step operating model
01Onboard the business
Unicorn Currencies reviews business context, expected activity, ownership information, counterparties, corridors, and payment purpose where required. This helps establish the operating profile before recurring payment activity begins.
Compliance
Add suppliers, customers, and beneficiaries
The business can organise counterparties, beneficiary details, payment instructions, invoices, and payment purpose context so finance teams have a clearer record before money moves.
Platform · Pay-Out
Receive or fund the payment
Incoming funds or funded amounts are matched with payer, reference, invoice, and payment purpose context where available. This supports allocation and reconciliation.
Pay-In · Platform
Review FX before conversion
The currency, rate, amount, payment purpose, and route context should be visible before FX becomes a finance problem.
FX · Pricing
Send the supplier or beneficiary payment
The payment is prepared and routed based on currency, corridor, beneficiary details, provider availability, banking cut-off times, and review requirements.
Pay-Out
Track, evidence, and reconcile
Finance teams need more than a sent status. Unicorn Currencies focuses on references, payment evidence, status visibility, operational follow-up, and records that support supplier and finance conversations.
Trust · Payment problems
What your business should have ready
- Company registration information
- Director and ownership details where required
- Nature of business and trading activity
- Expected payment corridors
- Expected transaction values and frequency
- Supplier or customer details
- Beneficiary bank details
- Invoices, contracts, or payment purpose documents where needed
- Source of funds or supporting information where required
What Unicorn Currencies handles
Payment context
Helping keep payer, reference, invoice, beneficiary, purpose, and payment route context clearer across the workflow.
FX visibility
Helping finance teams understand the rate, converted amount, payment economics, and currency movement before conversion.
Payment proof
Supporting supplier and finance conversations with payment evidence, references, and operational follow-up where available.
Exception support
Human treasury support where a payment is delayed, reviewed, amended, recalled, short-paid, or requires further explanation.
What can affect payment timing
International payment timing can depend on the currency, route, provider approval, receiving bank, jurisdiction, compliance review, banking cut-off times, and the accuracy of beneficiary details. A controlled workflow helps reduce confusion, but it does not mean every payment is instant or guaranteed.
- Currency and corridor
- Payment route
- Banking cut-off times
- Beneficiary bank processing
- Compliance or document review
- Missing or incorrect beneficiary details
- Intermediary bank deductions or routing issues
- Public holidays and time zones
Where the workflow connects
Pay-In
Receiving or allocating business funds with reference and payer context.
Pay-In
FX
Reviewing currency conversion, amount, rate, and purpose clarity.
FX
Pay-Out
Sending supplier and beneficiary payments with evidence.
Pay-Out
Platform
Keeping payment records, invoices, references, and beneficiaries easier to follow.
Platform
Compliance
Reviewing business context, payment purpose, and transaction details where required.
Compliance
Trust
Understanding registration, partner-arrangement transparency, and payment accountability.
Trust
When this workflow is the right fit
- Businesses with $1M+ equivalent annual FX exposure
- Importers paying overseas suppliers
- Exporters receiving international funds
- Finance teams managing recurring international payments
- Businesses using repeat suppliers, customers, invoices, and corridors
- B2B operators that need payment proof, reconciliation clarity, and human treasury support
Unicorn Currencies is not built for one-off personal transfers, domestic-only banking, retail remittance, or occasional small FX conversions.
