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 JPY, 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 −5.0% and +5.5% against JPY nine times out of ten. Waiting 7 days: −2.2% to +2.0%.
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 → JPY | EUR → JPY | GBP → JPY |
|---|---|---|---|
| 7 | −2.2% to +2.0% | −1.7% to +1.5% | −1.8% to +1.8% |
| 14 | −2.8% to +2.8% | −2.1% to +2.2% | −2.5% to +2.1% |
| 21 | −3.0% to +3.6% | −2.3% to +2.7% | −2.6% to +2.8% |
| 30 | −3.7% to +4.4% | −2.5% to +3.4% | −2.5% to +3.0% |
| 45 | −4.3% to +4.8% | −2.7% to +4.2% | −2.4% to +3.6% |
| 60 | −5.0% to +5.5% | −2.6% to +4.6% | −3.2% to +4.2% |
| 75 | −5.5% to +5.8% | −2.9% to +5.3% | −3.2% to +4.8% |
| 90 | −5.4% to +6.4% | −3.8% to +5.8% | −3.3% to +5.3% |
Your open book, replayed over two years of ECB rates. If clients pay on the current dates, the total in JPY would have moved between −¥130K and +¥147K nine times out of ten. If they pay sooner, as these proposals ask, between −¥85K and +¥75K — about 42% narrower. A narrower range is not a gain: the money could have moved either way. The discounts offered cost ¥27K 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.