Partnership Program - White-Label FX & Cross-Border Payments
Launch your own branded cross-border FX and payments business on Unicorn Currencies' regulated rails - without the licensing burden, compliance overhead, or technology build.
Built for serious operators. Learn more about our team on our company page.
The Problems
01
Getting your own FCA authorization, FINTRAC MSB registration, or RPAA registration is a six-figure, 6-to-18-month exercise. Most intermediaries can't justify it against their current book - so they stay as referral partners, earning a fraction of the margin they generate.
02
Sanctions screening, AML monitoring, transaction surveillance, SAR filing, ongoing regulatory reporting. That's a team, not a side project. Even if you're licensed, you can't run it alone.
03
Tier-1 and tier-2 banks are de-risking smaller MSBs and payment firms aggressively. Without safeguarding and settlement accounts, you have no product - no matter how good your license or your tech is.
04
A proper B2B cross-border payments platform with multi-currency accounts, beneficiary management, compliance workflows, and payment tracking costs hundreds of thousands to build. You can't fund that before you've booked your first trade.
05
Referral arrangements typically pay out 10-20% of revenue. You source the client, you own the relationship, you handle the queries - and someone else keeps 80%. The economics punish the party doing the relationship work.
06
Slow onboarding, delayed payments, unanswered escalations. Your reputation sits with them, but you have no control over how they're treated.
The Difference
Every row below comes from three years of being a white-label program manager ourselves - waiting for late commissions, chasing unanswered escalations, watching our customers onboarded slower than the provider's direct book.
Customer onboarding drags for weeks with no visibility and no end in sight.
We onboard with a target turnaround and show you exactly where each customer sits in the queue.
Escalations disappear into a black hole - emails unanswered, no one accountable.
You get a named contact at Unicorn. When something breaks, you know who to call and you get a response.
Different compliance standards for your customers than for the provider's direct book.
Same bar for everyone. We don't onboard any customer below $1M in annual FX volume - direct or PM-introduced.
Payments to end clients delayed without explanation.
We commit to execution timelines and communicate proactively when something is held up.
Constant follow-up just to get a customer activated.
We chase the activation. You get notified when it's done.
No effort to grow you as a partner - you're a distribution channel, not a relationship.
We treat your growth as our growth. We'll hear your problems and work on them with you.
Commission paid on the 13th-15th of the following month.
We target commission settlement by the 5th.
Why We Built This
Unicorn Currencies didn't start as a payments company. We started as a white-label program manager ourselves.
For three years we lived exactly what you're living. We waited for commissions that arrived on the 13th of the month while our own cashflow bled. We chased escalations that went nowhere. We watched our customers get onboarded slower than the provider's direct book, and we fielded questions from clients we couldn't answer because we had no line into compliance.
We built Unicorn because we knew exactly what a program manager partnership should have felt like, and didn't.
Now we're building it the way we wished someone had built it for us.
- N.M. Thakur, Founder & CEO Unicorn Currencies
Commercial Terms
TERM 01
No volume tiers. No performance clawbacks. No renegotiation clauses. 70/30 in your favour, always.
TERM 02
Not the 13th. Not the 15th. We target the 5th of the following month because we've waited for late commissions ourselves and we know what it does to cashflow.
TERM 03
We don't onboard any customer below $1M in annual FX volume - direct or PM-introduced. Your customers get the same treatment, timelines, and respect as anyone else on the platform. No two-tier system. No second-class queue.
TERM 04
Transaction fees, FX margin guardrails, and operational mechanics are walked through transparently once we've confirmed mutual fit. Respects your time. Respects your commercial position.
Fit Check
Process
Complete the partner signup application with details about you, your business, and your client base.
If your application fits our current onboarding criteria, we schedule an initial call to walk through commercial terms and answer your questions.
KYB on your entity, beneficial ownership verification, and the partnership agreement signed.
Branded subdomain configured, pricing guardrails set, PM users provisioned, first customers onboarded. You trade.
Application
We've moved Program Manager applications to the secure signup flow used by the app onboarding system.
Open Partner Signup →FAQ
B2B intermediaries with existing client books - FX consultants, payment brokers, trade finance advisors, accountancy practices with import/export clients, and similar professionals who have client relationships but lack regulated infrastructure.
You operate under your own brand - your logo, your domain, your client-facing communications. Unicorn Currencies provides the regulated rails, compliance infrastructure, banking access, and technology platform underneath. Your clients see your brand; you own the relationship.
No. That's the point of the program. You operate under Unicorn Currencies' regulatory framework - FINTRAC MSB registration in Canada, Bank of Canada RPAA registered status, and FCA-authorised partner arrangements in the UK.
Customers must have $1M or more in annual FX volume. This threshold applies uniformly - to Unicorn's direct customers and PM-introduced customers alike. We do not operate a two-tier standard.
70% of net revenue to the Program Manager, 30% to Unicorn Currencies. No volume tiers, no clawbacks, no renegotiation triggers. Full commercial detail on fees and margin guardrails is walked through in the partnership call.
Monthly, targeted for the 5th of the following month. We target this date because we spent three years as a program manager ourselves waiting for late commission payments, and we know what it does to cashflow.
From signed partnership agreement, typically 2-4 weeks for full onboarding - branded subdomain configured, pricing guardrails set, PM users provisioned, and first customers onboarded.
Program Managers can initiate FX deals and payout requests for their mapped customers. Execution, beneficiary creation, and compliance approvals remain with Unicorn Currencies' operations and compliance team. This protects everyone - PMs, customers, and Unicorn.
Canada (FINTRAC MSB registration, Bank of Canada RPAA registered status), the United Kingdom (through FCA-authorised partners), and the United Arab Emirates.
Submit the application form on this page. Our partnerships team reviews applications within 5 business days. If your application fits current onboarding criteria, we schedule an initial call.