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 GBP, 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 −4.8% and +3.8% against GBP nine times out of ten. Waiting 7 days: −1.6% to +1.4%.
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 → GBP | EUR → GBP | JPY → GBP |
|---|---|---|---|
| 7 | −1.6% to +1.4% | −0.8% to +1.0% | −1.7% to +1.8% |
| 14 | −2.3% to +2.0% | −1.1% to +1.4% | −2.1% to +2.6% |
| 21 | −2.5% to +2.4% | −1.4% to +1.6% | −2.7% to +2.6% |
| 30 | −2.9% to +2.9% | −1.5% to +2.0% | −2.9% to +2.6% |
| 45 | −4.0% to +3.5% | −1.8% to +2.5% | −3.5% to +2.5% |
| 60 | −4.8% to +3.8% | −1.8% to +2.9% | −4.0% to +3.3% |
| 75 | −5.2% to +4.5% | −1.6% to +2.6% | −4.6% to +3.3% |
| 90 | −6.1% to +4.9% | −2.0% to +2.5% | −5.1% to +3.5% |
Your open book, replayed over two years of ECB rates. If clients pay on the current dates, the total in GBP would have moved between −£448 and +£354 nine times out of ten. If they pay sooner, as these proposals ask, between −£301 and +£327 — about 22% narrower. A narrower range is not a gain: the money could have moved either way. The discounts offered cost £126 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, 2024-09-02 to 2026-09-02. History, not a forecast.