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.
Loading your PayPal invoices…
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 2026-10-314 clients abroad are paying late — ¥1.70M is 13–22 days overdue.
Waiting to be paid in currencies other than JPY, in USD, EUR and GBP
¥5.88M
How it works: ① Approve a card — it runs in PayPal② The client pays on PayPal③ “+… collected” appears hereAccess code above to try it.
The agent is planning today — reading your invoices in PayPal… (about a minute, once a day)
In your own words — same tools, same checks, nothing runs without your click.
| Invoice | Client | Still owed | Due | Pay it |
|---|---|---|---|---|
| FXA-1004-r53 | Northwind Outfitters | USD 6,500.00 | 2026-12-12 | |
| FXA-2005-r53 | Kleinfeld GmbH | EUR 5,000.00 | 2026-12-29 | |
| FXA-4002-r53 | Marlow Press | GBP 3,800.00 | 2026-12-16 | |
| FXA-3005-r53 | Sakura Games | JPY 760,000 | 2026-12-28 |
| FXA-1001-r53 | Brightline Media | USD 4,200.00 | 2026-10-18 |
|---|
| FXA-3002-r53 | Mori Design Office | JPY 480,000 | 2026-11-19 |
|---|
| FXA-4001-r53 | Hollis & Grey | GBP 2,100.00 | 2026-10-16 |
|---|
| FXA-2002-r53 | Kleinfeld GmbH | EUR 2,400.00 | 2026-11-17 |
|---|
| FXA-1003-r53 | Harbor & Pine | USD 2,600.00 | 2026-11-22 |
|---|
| FXA-2001-r53 | Atelier Moreau | EUR 1,800.00 | 2026-10-13 |
|---|
| FXA-3001-r53 | Sakura Games | JPY 310,000 | 2026-10-23 |
|---|
| FXA-1002-r53 | Brightline Media | USD 1,850.00 | 2026-11-02 |
|---|
| FXA-1006-r53 | Copperleaf Apps | USD 1,800.00 | 2026-10-09 |
|---|
| FXA-2003-r53 | Atelier Moreau | EUR 950.00 | 2026-11-10 |
|---|
| FXA-3003-r53 | Sakura Games | JPY 150,000 | 2026-11-07 |
|---|
| FXA-4004-r53 | Marlow Press | GBP 650.00 | 2026-11-20 |
|---|
| FXA-1007-r53 | Copperleaf Apps | USD 350.00 | 2026-11-08 |
|---|
Nothing yet. Approved actions show up here and stay recorded on the invoice.
Claude's plan for today: 5 payment reminders and 3 early-payment offers; 9 left alone. Made 01:04 UTC.
Includes 1 reminder for JPY 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 42% 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 · ¥660K waiting
✓ Written by Claude, checked by code
The invoice is 13 days overdue for USD 4,200.00 and this client has no late-payment history on file, so a light nudge fits. The message asks only for a payment date and leaves the amount owed unchanged.
The checks sent back an earlier draft (a figure under the wrong label); Claude rewrote it before you saw this.
Chase a late payment
Hollis & Grey · GBP 2,100.00FXA-4001-r53
Overdue 15 days · ¥442K waiting
✓ Written by Claude, checked by code
The invoice is 15 days overdue for GBP 2,100.00, and this client has paid late before, so a clear, courteous request for a payment date fits. The reminder asks only for that date and does not change what is owed.
Chase a late payment
Atelier Moreau · EUR 1,800.00FXA-2001-r53
Overdue 18 days · ¥316K waiting
✓ Written by Claude, checked by code
The invoice is 18 days overdue for EUR 1,800.00, and this client has paid late before, so a clear, courteous request for a payment date fits. The reminder asks for a date and does not change what is owed.
Chase a late payment
Copperleaf Apps · USD 1,800.00FXA-1006-r53
Overdue 22 days · ¥283K waiting
✓ Written by Claude, checked by code
The invoice is 22 days overdue for USD 1,800.00, so a clear request for a payment date is appropriate now that it is about three weeks late. The reminder does not change what is owed.
Ask to be paid 37 days sooner, for 1% off
Northwind Outfitters · USD 6,500.00 ≈ ¥1.02MFXA-1004-r53
¥10K off if paid by Nov 5 instead of Dec 12 · about 10% a year
Sent as a separate invoice — yours stays as it is.
✓ Written by Claude, checked by code
Offering 1% off if paid by 2026-11-05 would be about ¥10K and asks the client to pay 37 days sooner than the 2026-12-12 due date, about 10% a year. The offer lapses after that date, and the discount applies only if the client takes it.
The checks sent back an earlier draft (a figure under the wrong label); Claude rewrote it before you saw this.
Ask to be paid 54 days sooner, for 1% off
Kleinfeld GmbH · EUR 5,000.00 ≈ ¥878KFXA-2005-r53
¥8,784 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
Offering 1% off if paid by 2026-11-05 would be about ¥8,784 and asks the client to pay 54 days sooner than the 2026-12-29 due date, about 6.8% a year. The offer lapses after that date, and the discount applies only if the client takes it.
The checks sent back an earlier draft (a number not in the facts); Claude rewrote it before you saw this.
Ask to be paid 41 days sooner, for 1% off
Marlow Press · GBP 3,800.00 ≈ ¥801KFXA-4002-r53
¥8,007 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
Offering 1% off if paid by 2026-11-05 would be about ¥8,007 and asks the client to pay 41 days sooner than the 2026-12-16 due date, about 9% a year. The offer lapses after that date, and the discount applies only if the client takes it.
The checks sent back an earlier draft (a number not in the facts); Claude rewrote it before you saw this.
Chase a late payment
Sakura Games · JPY 310,000FXA-3001-r53
Overdue 8 days · ¥310K waiting
✓ Written by Claude, checked by code
The invoice is 8 days overdue for JPY 310,000, and this client has paid a few days late before, so a light, friendly nudge asking for a date fits. The message asks only for a date and leaves the amount owed unchanged.
The checks sent back an earlier draft (a figure under the wrong label); Claude rewrote it before you saw this.
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.
I proposed three early-payment offers, each 1% off if paid by 2026-11-05: Northwind (about ¥10K, 37 days sooner, about 10% a year), Kleinfeld (about ¥8,784, 54 days sooner, about 6.8% a year), and Marlow Press (about ¥8,007, 41 days sooner, about 9% a year), and five friendly payment reminders for the overdue invoices from Brightline, Hollis & Grey, Atelier Moreau, Sakura Games and Copperleaf Apps. I left the other invoices alone because they are either in JPY or not yet close enough to their due dates for an offer, and one is below the action threshold.
Claude (claude-haiku-5-5) read the invoices through 27 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 (5 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:
get_exposure — 3 currencieslist_open_invoices — 17 invoicespaypal.get_invoice · FXA-1001-r53 — read in PayPal (PayPal MCP server)paypal.get_invoicepaypal.get_invoice · FXA-2001-r53 — read in PayPal (PayPal MCP server)paypal.get_invoice · FXA-3001-r53 — read in PayPal (PayPal MCP server)paypal.get_invoice · FXA-1006-r53 — read in PayPal (PayPal MCP server)price_discount · FXA-1004-r53 — 1% within 10 daysprice_discount · FXA-2005-r53 — 1% within 10 daysprice_discount · FXA-4002-r53 — 1% within 10 daysprice_discount · FXA-1004-r53 — 1% within 5 daysprice_discount · FXA-2005-r53 — 1% within 5 daysprice_discount · FXA-4002-r53 — 1% within 5 dayspropose_early_payment_discount · FXA-1004-r53 — rejected: rationale: treats a swing or a discount as money gained or saved: "cost only"propose_early_payment_discount · FXA-2005-r53 — rejected: rationale: numbers not in the facts: 8007, 41, 9propose_early_payment_discount · FXA-4002-r53 — rejected: rationale: numbers not in the facts: 8784, 54, 6.8propose_reminder · FXA-1001-r53 — rejected: rationale: treats a swing or a discount as money gained or saved: "costs nothing"propose_reminder · FXA-4001-r53 — acceptedpropose_reminder · FXA-2001-r53 — acceptedpropose_reminder · FXA-3001-r53 — rejected: rationale: treats a swing or a discount as money gained or saved: "costs nothing"propose_reminder · FXA-1006-r53 — acceptedpropose_early_payment_discount · FXA-1004-r53 — 1% within 5 dayspropose_early_payment_discount · FXA-2005-r53 — 1% within 5 dayspropose_early_payment_discount · FXA-4002-r53 — 1% within 5 dayspropose_reminder · FXA-1001-r53 — acceptedpropose_reminder · FXA-3001-r53 — acceptedsubmit_summary — accepted