IMPORTERS · EXPORTERS · WHOLESALERS
Paid in one currency. Owed in another. We are the account in between.
YOU COLLECT
GBPFPS · CHAPS · BACS
CADEFT · WIRE
EURSEPA · SEPA INSTANT
USDACH · FEDWIRE
AEDUAEFTS · IPP
YOUR ACCOUNTAGREED
USD 250,000
ONE FX MARGIN · ILLUSTRATIVE
SUPPLIER RECEIVES
USD 250,000
PROOFMT103 / RAIL REF
REFERENCECARRIED THROUGH
ARRIVALSAME DAY
5LOCAL BUSINESS ACCOUNTS
180+COUNTRIES BY USD SWIFT
1AGREED FX MARGIN
COVERAGE
Five markets, held in your name.
CCYMARKETPAY INPAY OUTAVAILABILITY
GBPUnited KingdomFPS · BACSFPS · CHAPS24/7
EUREuropeSEPA · SEPA INSTSEPA · SEPA INST24/7
USDUnited StatesACH · FEDWIREACH · FEDWIRE24/7
CADCanadaEFT · WIREEFT · WIRE24/7
AEDUnited Arab EmiratesUAEFTS · IPPUAEFTS · IPP24/7
USDSWIFT reach to 180+ countries where the corridor is approved · 1 to 3 days24/7
Instructions are accepted 24/7 with no cut-off. Settlement follows the receiving rail's operating schedule. Account structure and corridor availability depend on onboarding, currency, jurisdiction, and partner infrastructure.
WHERE THE MONEY GOES
Same invoice. Two routes.
TYPICAL BANK ROUTEARRIVES SHORT · 1 TO 5 DAYS
YOUR BANK
USD 250,000 SENT
CORRESPONDENT 1
CUT UNKNOWN
CORRESPONDENT 2
CUT UNKNOWN
SUPPLIER BANK
SHORT PAID
Every hop can lift a fee.
UNICORN CURRENCIES · LOCAL RAIL ROUTEARRIVES IN FULL · SAME DAY
YOUR ACCOUNT
USD 250,000 FUNDED
LOCAL RAIL
FPS · SEPA · FEDWIRE
SUPPLIER BANK
CREDITED IN FULL
One margin, agreed before execution.
DEDUCTED ON THE BANK ROUTE
UNKNOWN
DEDUCTED ON OUR ROUTE
AGREED UPFRONT
Illustrative. Routing, timing, and availability depend on corridor, currency, jurisdiction, and partner infrastructure. Your pricing schedule is confirmed in writing before activation.
EXCEPTIONS
The four calls nobody wants to make.
EVENT
WHO ACTS
WHAT YOU GET
HELD
Your specialist, same business day
Reason, document request, and a route to release
AMENDED
Treasury desk with the partner bank
Corrected instruction and a new reference
RECALLED
Compliance plus your specialist
Funds traced, written chronology for your file
SHORT PAID
Desk raises it with the paying chain
Deduction identified, evidence you can send on
DESK OPEN ACROSS UK, CANADA AND UAE HOURSONE NAMED SPECIALIST PER ACCOUNT
"
Businesses do not leave their bank over features. They leave the day a six figure payment is held, a supplier is not credited, and nobody takes ownership. Unicorn Currencies was built for that day.
N.M. THAKUR · CHIEF EXECUTIVE OFFICER
TERMS OF THE ACCOUNT
Agreed in writing before you fund anything.
FX PRICINGOne pre-agreed margin, set with your volumes
PROOFMT103 or rail reference on every payment
APPROVALSInitiator and approver kept separate
SUPPORTOne named specialist, not a queue
MINIMUM BALANCENone
ENTRY$1M+ annual FX, or a clear path to it
TO OPEN
Apply with your file.
Your documents, corridors, and volumes. Reviewed by people.
Open an accountFOR YOUR CFO AND AUDITOR
Diligence pack on request.
Pricing, limits, funds handling, escalation. One document.
Request the pack