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 KRW, so her US-dollar invoices count as foreign here

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

5 clients abroad are paying late — ₩17.1M is 8–22 days overdue.

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

₩64.4M

Due in the next 2 weeks₩5.63Mplus ₩17.1M already late

If rates move 3%±₩1.93Meither way · not a forecast

Collected today₩0Start of today ₩64.4M

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 — ₩64.4M still waiting

Proposed — waiting for your click ₩46.5M · 9 invoices
No action today ₩17.9M · 8 invoices

Claude's plan for today: 5 payment reminders and 4 early-payment offers; 8 left alone. Made 01:04 UTC.

Replayed over two years of rates, getting paid this way kept the range about 45% 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 · ₩5.61M waiting

✓ Written by Claude, checked by code

Numbers and the agent's reason

If rates move 3%: ±₩168K

Invoice FXA-1001-r53 for USD 4,200.00 is 13 days overdue, so this is a light first nudge. Brightline's history isn't in the facts, so the e-mail is kept gentle.

Chase a late payment

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

Overdue 15 days · ₩3.76M waiting

✓ Written by Claude, checked by code

Numbers and the agent's reason

If rates move 3%: ±₩113K

Invoice FXA-4001-r53 for GBP 2,100.00 is 15 days overdue, and this client paid its earlier invoice 18 days late, so the e-mail asks for a specific payment date. It names the work and stays courteous.

Chase a late payment

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

Overdue 18 days · ₩2.69M waiting

✓ Written by Claude, checked by code

Numbers and the agent's reason

If rates move 3%: ±₩81K

Invoice FXA-2001-r53 for EUR 1,800.00 is 18 days overdue, and this client paid its earlier invoice 11 days late, so the e-mail asks for a payment date. It names the work and asks whether anything is holding payment up.

Chase a late payment

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

Overdue 8 days · ₩2.63M waiting

✓ Written by Claude, checked by code

Numbers and the agent's reason

If rates move 3%: ±₩79K

Invoice FXA-3001-r53 for JPY 310,000 is 8 days overdue. This client paid its earlier invoice 6 days late, so the e-mail asks for a payment date in a short, friendly way.

Chase a late payment

Copperleaf Apps · USD 1,800.00FXA-1006-r53

Overdue 22 days · ₩2.40M waiting

✓ Written by Claude, checked by code

Numbers and the agent's reason

If rates move 3%: ±₩72K

Invoice FXA-1006-r53 for USD 1,800.00 is 22 days overdue, the most overdue of the reminders here. The e-mail is firmer and asks for payment or a date, with no payment history mentioned.

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

Northwind Outfitters · USD 6,500.00 ≈ ₩8.68MFXA-1004-r53

₩87K 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: ₩87K
Paid sooner by: 32 days
As a yearly rate: about 11.5%
Typical swing until paid: ±₩259K → ±₩125K
If rates move 3%: ±₩260K

A 1% discount costs about ₩87K if Northwind pays by 2026-11-10, which is 32 days before the current due date of 2026-12-12. As a yearly rate that is about 11.5%, within the 12% limit. The offer lapses after 2026-11-10.

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

Kleinfeld GmbH · EUR 5,000.00 ≈ ₩7.46MFXA-2005-r53

₩75K 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: ₩75K
Paid sooner by: 49 days
As a yearly rate: about 7.5%
Typical swing until paid: ±₩254K → ±₩104K
If rates move 3%: ±₩224K

A 1% discount costs about ₩75K if Kleinfeld pays by 2026-11-10, which is 49 days before the current due date of 2026-12-29. As a yearly rate that is about 7.5%, within the 12% limit. The offer lapses after 2026-11-10.

Ask to be paid 36 days sooner, for 1% off

Marlow Press · GBP 3,800.00 ≈ ₩6.80MFXA-4002-r53

₩68K off if paid by Nov 10 instead of Dec 16 · about 10.2% 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: ₩68K
Paid sooner by: 36 days
As a yearly rate: about 10.2%
Typical swing until paid: ±₩197K → ±₩91K
If rates move 3%: ±₩204K

A 1% discount costs about ₩68K if Marlow Press pays by 2026-11-10, which is 36 days before the current due date of 2026-12-16. As a yearly rate that is about 10.2%, within the 12% limit. The offer lapses after 2026-11-10.

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

Sakura Games · JPY 760,000 ≈ ₩6.45MFXA-3005-r53

₩65K 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: ₩65K
Paid sooner by: 48 days
As a yearly rate: about 7.7%
Typical swing until paid: ±₩264K → ±₩109K
If rates move 3%: ±₩194K

A 1% discount costs about ₩65K if Sakura Games pays by 2026-11-10, which is 48 days before the current due date of 2026-12-28. As a yearly rate that is about 7.7%, within the 12% limit. The offer lapses after 2026-11-10.

When the money comes in — within 2 weeks: ₩5.63M as invoiced → ₩51.8M 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 1% early-payment offers (valid to 2026-11-10) for four invoices: Northwind FXA-1004-r53 (about ₩87K, 11.5% a year), Kleinfeld FXA-2005-r53 (about ₩75K, 7.5%), Marlow Press FXA-4002-r53 (about ₩68K, 10.2%), and Sakura Games FXA-3005-r53 (about ₩65K, 7.7%). I also proposed payment reminders, signed as Maya, for five overdue invoices: Brightline FXA-1001-r53, Hollis & Grey FXA-4001-r53, Atelier Moreau FXA-2001-r53, Sakura Games FXA-3001-r53, and Copperleaf FXA-1006-r53. The other invoices are not yet eligible for action, so I left them alone.

Claude (claude-haiku-5-5) read the invoices through 30 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 (1 draft was 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-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 — due in 20 days, too soon for an early-payment offer (not eligible)
FXA-1007-r53 — smaller than the action threshold (₩1.00M) (not eligible)

Every tool call (30, 1 rejected by the checks)

get_exposure — 4 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)
paypal.get_invoice · FXA-2001-r53 — read in PayPal (PayPal MCP server)
paypal.get_invoice — 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 ↗