FX Exposure Agent

When a client abroad pays late, an AI agent writes the PayPal reminder or early-payment offer in your voice. You approve with one click — and see what exchange rates can do to the money still waiting.

Try it with your own invoices →

Maya, freelance designer in the US · clients in Europe, the UK and Japan · demo book

Live · PayPal sandbox · as of 2026-10-31

3 clients abroad are paying late — $6,796 is 8–18 days overdue.

Waiting to be paid from clients abroad, in EUR, JPY and GBP

$31K

Due in the next 2 weeks$2,015plus $6,796 already late

If rates move 3%±$928either way · not a forecast

Collected today$0Start of today $31K

How it works: ① Approve a card — it runs in PayPal② The client pays on PayPal③ “+… collected” appears hereAccess code above to try it.

What the agent proposes today

The agent is planning today — reading your invoices in PayPal… (about a minute, once a day)

Ask the agent

In your own words — same tools, same checks, nothing runs without your click.

Sandbox controls: pay any open invoice as the client, or start the demo over

Invoice	Client	Still owed	Due	Pay it
FXA-1004-r53	Northwind Outfitters	USD 6,500.00	2026-12-12	Open as client ↗
FXA-2005-r53	Kleinfeld GmbH	EUR 5,000.00	2026-12-29	Open as client ↗
FXA-4002-r53	Marlow Press	GBP 3,800.00	2026-12-16	Open as client ↗
FXA-3005-r53	Sakura Games	JPY 760,000	2026-12-28	Open as client ↗

Loading your PayPal invoices…

What the agent proposes today

Where today's money from abroad stands — $31K still waiting

Proposed — waiting for your click $22K · 6 invoices
No action today $8,620 · 5 invoices

Claude's plan for today: 5 payment reminders and 3 early-payment offers; 9 left alone. Made 01:04 UTC.

Includes 2 reminders for USD invoices — late too, but with no exchange-rate risk, so not in the bar above.

Replayed over two years of rates, getting paid this way kept the range about 56% narrower. Evidence →

Approving needs the access code (top of the page). Reminders go out as PayPal e-mails; an offer is a separate invoice — yours stays as it is.

Chase a late payment

Hollis & Grey · GBP 2,100.00FXA-4001-r53

Overdue 15 days · $2,814 waiting

✓ Written by Claude, checked by code

Numbers and the agent's reason

If rates move 3%: ±$84

Invoice is 15 days overdue and this client has paid late before, so a clear, courteous request for a payment date fits. Asks for GBP 2,100.00 for the editorial illustrations; no cost to the seller.

Chase a late payment

Atelier Moreau · EUR 1,800.00FXA-2001-r53

Overdue 18 days · $2,011 waiting

✓ Written by Claude, checked by code

Numbers and the agent's reason

If rates move 3%: ±$60

Invoice is 18 days overdue and this client paid 11 days late on the earlier invoice, so a clear request for a payment date fits. Asks for EUR 1,800.00 for the brand guidelines; no cost to the seller.

Chase a late payment

Sakura Games · JPY 310,000FXA-3001-r53

Overdue 8 days · $1,971 waiting

✓ Written by Claude, checked by code

Numbers and the agent's reason

If rates move 3%: ±$59

Invoice is 8 days overdue and this client paid 6 days late before, so a light, friendly nudge fits. Asks for JPY 310,000 for the illustration set; no cost to the seller.

Ask to be paid 54 days sooner, for 1% off

Kleinfeld GmbH · EUR 5,000.00 ≈ $5,586FXA-2005-r53

$56 off if paid by Nov 5 instead of Dec 29 · about 6.8% a year

Sent as a separate invoice — yours stays as it is.

✓ Written by Claude, checked by code

Numbers and the agent's reason

Cost to you: $56
Paid sooner by: 54 days
As a yearly rate: about 6.8%
Typical swing until paid: ±$102 → ±$31
If rates move 3%: ±$168

Asks Kleinfeld to pay EUR 5,000.00 by 2026-11-05 instead of 2026-12-29, which is 54 days sooner. If they take it, 1% off costs about $56, a yearly rate of about 6.8%; the offer lapses after 2026-11-05.

Ask to be paid 41 days sooner, for 1% off

Marlow Press · GBP 3,800.00 ≈ $5,092FXA-4002-r53

$51 off if paid by Nov 5 instead of Dec 16 · about 9% a year

Sent as a separate invoice — yours stays as it is.

✓ Written by Claude, checked by code

Numbers and the agent's reason

Cost to you: $51
Paid sooner by: 41 days
As a yearly rate: about 9%
Typical swing until paid: ±$87 → ±$30
If rates move 3%: ±$153

Asks Marlow Press to pay GBP 3,800.00 by 2026-11-05 instead of 2026-12-16, which is 41 days sooner. If they take it, 1% off costs about $51, a yearly rate of about 9%; the offer lapses after 2026-11-05.

Ask to be paid 53 days sooner, for 1% off

Sakura Games · JPY 760,000 ≈ $4,833FXA-3005-r53

$48 off if paid by Nov 5 instead of Dec 28 · about 7% a year

Sent as a separate invoice — yours stays as it is.

✓ Written by Claude, checked by code

Numbers and the agent's reason

Cost to you: $48
Paid sooner by: 53 days
As a yearly rate: about 7%
Typical swing until paid: ±$162 → ±$51
If rates move 3%: ±$145

Asks Sakura Games to pay JPY 760,000 by 2026-11-05 instead of 2026-12-28, which is 53 days sooner. If they take it, 1% off costs about $48, a yearly rate of about 7%; the offer lapses after 2026-11-05.

Chase a late payment

Brightline Media · USD 4,200.00FXA-1001-r53

Overdue 13 days · $4,200 waiting

✓ Written by Claude, checked by code

Numbers and the agent's reason

If rates move 3%: none (in USD)

Invoice is 13 days overdue and in USD; a light, friendly nudge fits a first reminder. Asks for USD 4,200.00 for the website redesign milestone; the e-mail itself carries no cost to the seller.

The checks sent back an earlier draft (a figure under the wrong label); Claude rewrote it before you saw this.

Chase a late payment

Copperleaf Apps · USD 1,800.00FXA-1006-r53

Overdue 22 days · $1,800 waiting

✓ Written by Claude, checked by code

Numbers and the agent's reason

If rates move 3%: none (in USD)

Invoice is 22 days overdue with no payment history on file, so a firmer but courteous request for a payment date fits. Asks for USD 1,800.00 for the mobile app UI kit; no cost to the seller.

When the money comes in — within 2 weeks: $2,015 as invoiced → $24K if clients pay as proposed

Loading the chart…

As invoiced If clients pay as proposedAssumes a reminded invoice is paid within 7 days and an offer by its new due date (net of the discount) — a scenario, not a promise.

How the agent planned this

I proposed five payment reminders for overdue invoices (Brightline Media, Hollis & Grey, Atelier Moreau, Sakura Games FXA-3001, and Copperleaf Apps) and three early-payment offers at 1% off with a 5-day window for Kleinfeld GmbH, Marlow Press, and Sakura Games FXA-3005; each offer costs about $48 to $56 if the client takes it and pays by 2026-11-05. The other invoices were not eligible for an action: the USD ones are not late and are not offer-eligible, and the rest are due too soon for an offer or below the threshold.

Claude (claude-haiku-5-5) read the invoices through 23 tool calls and chose what to propose. Code decided which invoices were eligible and computed every number; every text it wrote was checked before it reached this screen (1 draft was rejected and rewritten). It read 5 invoices directly in PayPal through PayPal's own MCP server (read-only tools: get_invoice, search_invoicing); every change to an invoice still goes through the checked approve path.

Left alone:

FXA-1004-r53 — in USD, the home currency: not late, and offers are for money from abroad (not eligible)
FXA-3002-r53 — due in 19 days, too soon for an early-payment offer (not eligible)
FXA-2002-r53 — due in 17 days, too soon for an early-payment offer (not eligible)
FXA-1003-r53 — in USD, the home currency: not late, and offers are for money from abroad (not eligible)
FXA-1002-r53 — in USD, the home currency: not late, and offers are for money from abroad (not eligible)
FXA-2003-r53 — due in 10 days, too soon for an early-payment offer (not eligible)
FXA-3003-r53 — due in 7 days, too soon for an early-payment offer (not eligible)
FXA-4004-r53 — due in 20 days, too soon for an early-payment offer (not eligible)
FXA-1007-r53 — smaller than the action threshold ($700) (not eligible)

Every tool call (23, 1 rejected by the checks)

get_exposure — 3 currencies
list_open_invoices — 17 invoices
paypal.get_invoice · FXA-1001-r53 — read in PayPal (PayPal MCP server)
paypal.get_invoice — read in PayPal (PayPal MCP server)

The agent is planning today — reading your invoices in PayPal… (about a minute, once a day)

Invoice

Client

Still owed

Due

Pay it

FXA-1004-r53

Northwind Outfitters

USD 6,500.00

2026-12-12

Open as client ↗

FXA-2005-r53

Kleinfeld GmbH

EUR 5,000.00

2026-12-29

Open as client ↗

FXA-4002-r53

Marlow Press

GBP 3,800.00

2026-12-16

Open as client ↗

FXA-3005-r53

Sakura Games

JPY 760,000

2026-12-28

Open as client ↗