Industry payment problems, made specific.
A coffee importer and a machinery buyer both pay suppliers abroad. The timing pressure, FX exposure, and document risk are nothing alike.
Four pressures. Every sector sits somewhere on them.
Filter the directory below by the one that costs your business the most.
48 sectors, each with its pressure named.
Filter by the pressure that hurts, or by letter. Every card is colour-coded to its dominant pressure.
Industry pages are educational context for payment pressure by sector. Route availability, currency, screening, and timelines vary by corridor, beneficiary bank, and compliance review.
A payment held three days is not one problem. It is four.
The instruction is identical. What it costs depends entirely on what your business is waiting on.
Asked in every sector.
My industry is not listed. Does that matter?
No. These 48 pages are the sectors we see most often, and they are educational context rather than a product boundary. The four pressures apply across trade, and the desk will name the ones that affect your flows.
How is the dominant pressure decided?
It reflects what most often drives escalation in that sector: perishable and deposit-led flows skew to timing, high-value regulated goods to document risk, thin-margin distribution to FX, and high-volume flows to reconciliation. Most businesses feel more than one.
Do you handle the sector-specific paperwork?
We prepare beneficiary and route context, keep references and confirmations, and follow up on questions from the beneficiary bank. Trade documentation itself stays with you and your freight and customs partners.
Who is this built for?
Businesses with $1M+ equivalent annual FX exposure and recurring supplier or customer flows. It is not built for one-off personal transfers, retail remittance, or occasional small conversions.
Are you regulated?
Unicorn Currencies Limited is registered in Canada with FINTRAC as a money services business and with the Bank of Canada as a payment service provider under the Retail Payment Activities Act. Accounts are subject to onboarding, due diligence, and ongoing compliance review.
Your sector, with payment pressure named.
A named specialist reviews your corridors against how your sector actually trades, and stays with the payment through proof, exceptions, and reconciliation.
Accounts are subject to onboarding, due diligence, and ongoing compliance review.