# Hold, convert and pay in 30+ currencies - CorebankOS

> Multi-currency accounts with live rates, transparent fees and conversions that post straight to the ledger - priced by you, not by us.

Source: https://corebankos.com/solutions/fx-multi-currency

## Hold, convert and pay in 30+ currencies.

Multi-currency accounts with live rates, transparent fees and conversions that post straight to the ledger - priced by you, not by us.

- **30+** currencies held in a single account
- **1 tap** conversion from the home-screen widget
- **0** hidden fees - every margin is shown
- **30 s** quote lock before the customer confirms

## Currency without the complexity.

- **Multi-currency accounts**: One account, many balances and one IBAN for everything.
- **Instant conversion**: Quotes locked for 30 seconds and executed in one tap.
- **Local payouts**: Pay out in local currency without converting twice.
- **Rates widget**: A home-screen widget customers pin to follow their pairs.
- **Rate alerts**: Push notifications when a pair hits the customer’s target.
- **Ledger-native**: Every conversion posts as balanced multi-currency entries.

## Your pricing, your margins.

Set spreads per currency pair, segment and amount band. Customers always see the rate and the fee before they confirm.

```http
# Quote, then convert - the ledger does the rest
POST /v1/fx/quotes

{
  "sell": { "currency": "EUR", "amount": 1000.00 },
  "buy_currency": "USD"
}

→ 201 Created
  "rate": 1.0854, "fee": 0.00, "expires_in": 30
```

- Spread rules per pair, segment and tier
- Rate locks for scheduled payments
- Weekend and holiday pricing policies

## Treasury sees every position.

Net exposure per currency, live, in the backoffice - with hedging suggestions and limits that stop conversions before they breach policy.

- Real-time net open position per currency
- Exposure limits enforced before execution
- Daily P&L on spreads, by segment

## Questions, answered.

Rates, liquidity and how conversions are booked.

### Where do rates come from?

From your liquidity provider or ours. You set the spread on top, per pair and customer segment.

## Convert your first thousand euros.

See live quotes, spreads and the ledger posting side by side in the demo.