Canonical: https://unicorncurrencies.com/features/real-time-fx-tracking/

# Capability: FX Exposure on Payables

## Summary

For businesses with foreign-currency invoices, the operational question is not only what rate is shown at payment time. Finance teams need earlier visibility into how rate movement may affect the payable, the invoice context, and the decision to hold, convert, or pay.



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

## Capability flow

- **Invoice context captured:** Supplier, amount, currency, due date, and reference are linked to the payable where available.

- **Exposure identified:** The payable is connected to the currency pair and commercial context finance needs to review.

- **Rate context reviewed:** FX movement is reviewed against the payable before a payment or conversion decision is made.

- **Decision prepared:** Hold, convert, lock context, or pay out depending on the business workflow and approval path.

- **Record kept:** Invoice, FX context, and payment outcome stay easier to explain for finance and treasury follow-up.

## Workflow

- **Payable recorded:** Supplier invoice or expected payment is recorded with currency and commercial context.

- **Exposure reviewed:** Finance reviews how the payable sits against current FX context and business timing.

- **Action prepared:** The business prepares to hold funds, convert, or pay depending on workflow and approvals.

- **Payment executed:** Pay-out or conversion proceeds through an available route with the required references and proof.

- **Outcome reconciled:** Invoice, FX context, and payment evidence are kept clearer for finance records.

## 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