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.
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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.
Loading your PayPal invoices…
Maya, freelance designer in the US · clients in Europe, the UK and Japan · demo book · shown in EUR, so her US-dollar invoices count as foreign here
Live · PayPal sandbox · as of 2026-10-31Over the last two years, USD money that waited 60 days moved between −5.6% and +3.9% against EUR nine times out of ten. Waiting 7 days: −1.6% to +1.3%.
Half-width of the range each currency moved within, nine times out of ten, by days waited. Every ECB fixing in the last 730 days is a start day. History, not a forecast — the longer money waits, the wider the range.
| Days waited | USD → EUR | JPY → EUR | GBP → EUR |
|---|---|---|---|
| 7 | −1.6% to +1.3% | −1.5% to +1.8% | −1.0% to +0.8% |
| 14 | −2.5% to +1.8% | −2.2% to +2.1% | −1.4% to +1.1% |
| 21 | −3.0% to +2.3% | −2.7% to +2.3% | −1.6% to +1.4% |
| 30 | −3.9% to +2.9% | −3.3% to +2.6% | −2.0% to +1.6% |
| 45 | −4.5% to +3.4% | −4.0% to +2.7% | −2.4% to +1.8% |
| 60 | −5.6% to +3.9% | −4.4% to +2.7% | −2.8% to +1.8% |
| 75 | −6.4% to +5.2% | −5.0% to +3.0% | −2.5% to +1.7% |
| 90 | −7.7% to +5.7% | −5.4% to +4.0% | −2.4% to +2.1% |
Your open book, replayed over two years of ECB rates. If clients pay on the current dates, the total in EUR would have moved between −€705 and +€433 nine times out of ten. If they pay sooner, as these proposals ask, between −€291 and +€264 — about 51% narrower. A narrower range is not a gain: the money could have moved either way. The discounts offered cost €147 for certain — a price for being paid sooner, not a hedge.
Assumptions: an overdue invoice is paid 14 days from today without a reminder and 7 days after one; a discounted invoice is paid on its new due date; others on their due date. 511 historical start days, 2024-09-03 to 2026-09-03. History, not a forecast.