The full FX surface, curated.
Trading desks usually pick a lane. We chose all of them. Spot through 24-month forwards, multi-currency accounts, mass payments, and crypto on and off-ramp, all from one regulated team.
From spot to crypto, one regulated desk.
Every instrument you'd expect from a treasury desk, plus the crypto rails most banks won't touch. Curated, not catalogued.
Moving between fiat and crypto, without the labyrinth.
Most banks won't touch crypto. Most crypto exchanges don't behave like banks. We sit between the two with a regulated desk on either side, custody handled, KYC done once.
You hold currency. You want crypto.
OTC desk for size. Compliance and custody handled. Settlement to your wallet of record.
You hold crypto. You want it in your bank.
Same-day fiat settlement is typical. 35+ destination currencies. Reporting that satisfies your accountant.
Where the savings actually come from.
The rate is the headline; everything else is what makes it work in practice. Here is the side-by-side.
- Exchange rateMid-market plus a transparent marginWide spread, often hidden
- Settlement speedSame-day to T+2 typical3 to 5 business days
- Account managerNamed human, by phoneBranch queue or call centre
- Forwards / hedgingUp to 24 months, structuredLimited or unavailable
- Mass paymentsBulk batches, multi-currencyOne-by-one entry
- Crypto on/off rampRegulated, OTC deskNot supported
- Multi-currency holding35+ currencies, no forced conversionLimited
- ReportingAudit-grade, on demandStatements only
The work, in clients' words.
“I have used X Rate Capital multiple times now and highly recommend. A seamless process from start to finish sending money from Dubai into my UK accounts quickly and cost efficiently. Very happy with their service and will be using again.”
“Locked the rate three months ahead of completion and saved more than the entire conveyancing fee. The team handled every leg of the transfer; I just signed.”
“Cross-border payroll used to take a week of chasing banks. Now it runs on time, in local currencies, with sharper rates than we got from our high-street provider.”