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 · shown in GBP, so her US-dollar invoices count as foreign here

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

4 clients abroad are paying late — £7,450 is 8–22 days overdue.

Waiting to be paid in currencies other than GBP, in USD, EUR and JPY

£29K

Due in the next 2 weeks£3,146plus £7,450 already late

If rates move 3%±£883either way · not a forecast

Collected today£0Start of today £29K

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 — £29K still waiting

Proposed — waiting for your click £20K · 7 invoices
No action today £9,366 · 7 invoices

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

Includes 1 reminder for GBP 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 22% 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

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

Overdue 13 days · £3,135 waiting

✓ Written by Claude, checked by code

Numbers and the agent's reason

If rates move 3%: ±£94

Invoice is 13 days overdue with no late-payment history on file, so a light nudge fits. The USD 4,200.00 is worth about £3,135 today, and a 3% stress-test move either way changes it by about £94.

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

Chase a late payment

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

Overdue 18 days · £1,501 waiting

✓ Written by Claude, checked by code

Numbers and the agent's reason

If rates move 3%: ±£45

This client paid its earlier invoice 11 days after the due date, so a clear, courteous request for a payment date fits. The EUR 1,800.00 is worth about £1,501 today, and a 3% stress-test move either way changes it by about £45.

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

Chase a late payment

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

Overdue 8 days · £1,471 waiting

✓ Written by Claude, checked by code

Numbers and the agent's reason

If rates move 3%: ±£44

Invoice is 8 days overdue; this client paid its earlier invoice 6 days late, so a short, friendly request for a date fits. The JPY 310,000 is worth about £1,471 today, and a 3% stress-test move either way changes it by about £44.

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 · £1,343 waiting

✓ Written by Claude, checked by code

Numbers and the agent's reason

If rates move 3%: ±£40

At 22 days overdue, with no payment history on file, a firmer request is warranted. The USD 1,800.00 is worth about £1,343 today, and a 3% stress-test move either way changes it by about £40.

The checks sent back an earlier draft (forecast or advice wording); Claude rewrote it before you saw this.

Ask to be paid 32 days sooner, for 1% off

Northwind Outfitters · USD 6,500.00 ≈ £4,851FXA-1004-r53

£49 off if paid by Nov 10 instead of Dec 12 · about 11.5% 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: £49
Paid sooner by: 32 days
As a yearly rate: about 11.5%
Typical swing until paid: ±£79 → ±£38
If rates move 3%: ±£146

Offering 1% off USD 6,500.00 if paid within 10 days moves payment 32 days sooner than the 12 December due date. If the client takes it, the discount costs about £49, which is a yearly rate of about 11.5%.

Ask to be paid 49 days sooner, for 1% off

Kleinfeld GmbH · EUR 5,000.00 ≈ £4,169FXA-2005-r53

£42 off if paid by Nov 10 instead of Dec 29 · about 7.5% 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: £42
Paid sooner by: 49 days
As a yearly rate: about 7.5%
Typical swing until paid: ±£46 → ±£19
If rates move 3%: ±£125

Offering 1% off EUR 5,000.00 if paid within 10 days moves payment 49 days sooner than the 29 December due date. If the client takes it, the discount costs about £42, which is a yearly rate of about 7.5%.

Ask to be paid 48 days sooner, for 1% off

Sakura Games · JPY 760,000 ≈ £3,607FXA-3005-r53

£36 off if paid by Nov 10 instead of Dec 28 · about 7.7% 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: £36
Paid sooner by: 48 days
As a yearly rate: about 7.7%
Typical swing until paid: ±£112 → ±£46
If rates move 3%: ±£108

Offering 1% off JPY 760,000 if paid within 10 days moves payment 48 days sooner than the 28 December due date. If the client takes it, the discount costs about £36, which is a yearly rate of about 7.7%.

Chase a late payment

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

Overdue 15 days · £2,100 waiting

✓ Written by Claude, checked by code

Numbers and the agent's reason

If rates move 3%: none (in GBP)

This client paid its earlier invoice 18 days after the due date, so a clear request for a payment date fits. The GBP 2,100.00 is in pounds, so exchange rates do not change its value.

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

When the money comes in — within 2 weeks: £3,146 as invoiced → £23K 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 three early-payment offers, each 1% off if paid by 10 November 2026: Northwind (USD 6,500.00, about £49 if taken), Kleinfeld (EUR 5,000.00, about £42) and Sakura Games (JPY 760,000, about £36). I also proposed five payment reminders for overdue invoices: Brightline Media, Hollis & Grey, Atelier Moreau, Sakura Games (FXA-3001) and Copperleaf Apps. I left alone the invoices due within 22 days, which are too soon for an offer, the GBP invoices from Marlow Press, and the small Copperleaf invoice (FXA-1007, about £261).

Claude (claude-haiku-5-5) read the invoices through 25 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 (6 drafts were 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-4002-r53 — in GBP, 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 — due in 22 days, too soon for an early-payment offer (not eligible)
FXA-1002-r53 — due in 2 days, too soon for an early-payment offer (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 — in GBP, the home currency: not late, and offers are for money from abroad (not eligible)
FXA-1007-r53 — smaller than the action threshold (£550) (not eligible)

Every tool call (25, 6 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 · FXA-4001-r53 — 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 ↗