Canonical: https://unicorncurrencies.com/features/multi-currency-wallets/

# Capability: Multi-Currency Balance Context

## Summary

Businesses receiving and paying internationally need to know what funds are available, in which currency, for which purpose, and what happens next—hold, convert, allocate, or pay a supplier.



Built for businesses with £1M+ equivalent annual FX exposure and recurring international supplier, customer, or treasury payment flows.

## Capability flow

- **Funds received:** Incoming funds are identified by currency, payer, and reference where available.

- **Balance attributed:** Funds are attributed to the correct commercial event or account context.

- **Purpose reviewed:** Finance decides whether to hold, convert, allocate internally, or prepare pay-out.

- **Action prepared:** FX or supplier payment is prepared with the required references and approvals.

- **Record kept:** Balances, references, and onward actions remain clearer for reconciliation.

## Workflow

- **Funds identified:** Incoming or existing balances are linked to payer, reference, or treasury context.

- **Purpose confirmed:** Finance confirms whether funds should be held, converted, or paid out.

- **FX or payout prepared:** The next action is prepared with route, beneficiary, and proof requirements.

- **Instruction executed:** Movement proceeds through the supported route and review path.

- **Balances reconciled:** Records reflect what remains, what moved, and why.

## Timing and availability factors

- currency and corridor

- route and provider arrangement

- jurisdiction and account type

- sender or beneficiary bank handling

- compliance or document review

- banking cut-off times and holidays

- accuracy of references, invoices, and beneficiary details