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 KRW, 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 −7.4% and +5.6% against KRW nine times out of ten. Waiting 7 days: −2.1% to +1.9%.
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 → KRW | EUR → KRW | JPY → KRW | GBP → KRW |
|---|---|---|---|---|
| 7 | −2.1% to +1.9% | −1.6% to +1.8% | −2.1% to +1.8% | −1.7% to +1.9% |
| 14 | −3.0% to +2.5% | −2.5% to +2.3% | −2.9% to +2.3% | −2.4% to +2.3% |
| 21 | −3.6% to +3.0% | −3.1% to +2.7% | −3.3% to +2.8% | −2.9% to +3.1% |
| 30 | −5.0% to +3.9% | −3.9% to +4.0% | −3.8% to +3.5% | −3.6% to +3.9% |
| 45 | −7.5% to +4.8% | −6.0% to +5.1% | −6.0% to +4.1% | −6.1% to +4.6% |
| 60 | −7.4% to +5.6% | −7.3% to +5.7% | −6.4% to +5.0% | −6.9% to +4.4% |
| 75 | −9.1% to +6.2% | −9.4% to +5.6% | −7.1% to +5.4% | −9.0% to +4.9% |
| 90 | −10.4% to +6.8% | −11.2% to +5.7% | −8.4% to +5.5% | −10.6% to +5.3% |
Your open book, replayed over two years of ECB rates. If clients pay on the current dates, the total in KRW would have moved between −₩2.61M and +₩1.59M nine times out of ten. If they pay sooner, as these proposals ask, between −₩1.25M and +₩1.04M — about 45% narrower. A narrower range is not a gain: the money could have moved either way. The discounts offered cost ₩294K 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.