Canonical: https://unicorncurrencies.com/vs/ofx/

# Unicorn Currencies vs OFX

## Summary

OFX offers business FX and international payments. Unicorn adds real-time bill-level FX tracking, container tracking, and 2.3s settlement with 0.5% spread.

## Use OFX If

- You prefer a well-established FX brand

- Spot payments without treasury tooling

- Under $1M FX volume

## Use Unicorn Currencies If

- $1M+ annual FX volume

- You need real-time exposure across open supplier bills

- You want container tracking and demurrage prevention

- You want 2.3s settlement and 15-second rate locks

- Treasury visibility and API integration

## What OFX Doesn't Have

- Real-time FX P/L tracking on uploadable bills

- Container tracking and demurrage alerts

- 2.3s average settlement

- Bill-level exposure dashboard

## What Unicorn Currencies Offers

- Real-time FX P/L on every supplier bill

- FREE container tracking

- 2.3s settlement, 15-second rate locks

- Upload bills, see live exposure

- 0.5% spread, £5 per payment

- Bank of Canada supervised, FINTRAC registered

## Bottom Line

Unicorn is built for importers/exporters who need treasury visibility and logistics in one platform, with 0.5% spread and 2.3s settlement.