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FINANCIAL SERVICES

Elevate your Payment Services with Currency Rate Stability

Whether you're a BNPL looking to secure rates for loan payments or a PSP aiming to protect customers from currency risk, Grain has you covered.

FX hedging for financial services

HOW IT WORKS

Secure Currency Transactions Made Simple

Effortlessly protect any transactions from currency fluctuations with grain's automated solutions

User-Initiated Transaction

Your user creates an Account Payable or Receivable in a foreign currency through your platform.

Automatic Rate Lock

Our automatic hedging engine locks in the exchange rate to protect against currency fluctuations.

Payment Execution

On the due date, Grain automates the currency exchange at the guaranteed rate for you or your customers.

FX hedging for financial services

Explore Our Solutions

See how Grain empowers BNPLs and PSPs to navigate currency fluctuations with ease.

FX hedging for financial services

End- to-end Currency Protection for BNPLs

Lock rates for delayed payments & sell in more currencies.

FX hedging for financial services

FX Rate Lock for Payment Service Providers

Protect your users’ transactions from currency risk and enhance your competitiveness.

FX hedging for financial services

END-TO-END FX HEDGING

Streamlined Currency Solution for BNPLs

Unlock profits and expand sales with our end-to-end currency solution for BNPLs. Don't let FX risk affect your bottom line.

Expand to New Markets

Unlock new markets and reach a wider customer base with our rate-locking solution, enabling sales in multiple currencies.

Protect Your Profit Margins

Safeguard your profit margins by eliminating the impact of currency fluctuations when customers pay later, ensuring financial stability.

Financial Certainty

Grain's AI minimizes FX complexities in new markets, ensuring stability amid diverse consumer behaviors.

Integrate Simply with Our API

Grain's API seamlessly integrates currency features, eliminating the need for system overhauls.

BNLP

Currency Rate Lock for PSPs

Enhance your payment platform with rate-locking capabilities for end-users and ensure currency rate stability, providing added confidence to your customers.

Boost Your Revenues

Increase in revenues, including a share of the rate lock fee, leading to higher profitability.

Keep Customers Happy

Delight your customers with easy-to-use currency rate stability, enhancing their experience and loyalty.

Make Integration Easy

Grain seamlessly into your platform via API, with the assurance that Grain assumes 100% of the risk.

PSP

Why Choose Grain?

Unveiling the Key Benefits for Your Business

Reduce FX Pains

Grain assumes 100% of your currency risk, guaranteeing your FX rates without the hassle of managing FX volatility on your own.

Save Costs

Lower your cost of hedging and cross-border payments by a typical factor of 80% relative to existing solutions.

Boost Sales

Integrate a menu of FX modules that brings measurable financial value to your customers.

Simplify Financials

Enable your customers to pay you over their local rails without any FX risk and without requiring expensive markups.

See Grain in Action

Add currency certainty - without the complexity.

  • Why is currency protection crucial for my business?
    Currency volatility can lead to unpredictable financial outcomes, affecting your bottom line. Grain's currency protection ensures stability in your international transactions, allowing for more consistent financial planning and reduced risk exposure.
  • How does Grain protect my business from currency volatility?
    Grain protects your business from currency volatility through our innovative embedded currency hedging solution. Our data-driven cross-currency approach is designed to shield your transactions from currency fluctuations, ensuring stability on future accounts receivables or payables. Using a straightforward data stream via API or file sharing, Grain assumes all currency risks away from you.
  • What kind of data does Grain require to provide currency protection?
    Grain focuses on transactional data related to your cross-currency activities. This includes details of international transactions, payment histories, and related financial data. We are committed to maintaining the highest standards of data security and privacy.
  • How does Grain's Machine Learning model enhance FX protection?
    Our Machine Learning model analyzes past transaction patterns to create FX protection strategies specifically for your business or your end users. This includes creating pricing based on customer behavior, like cancellations and payment delays, thereby minimizing risk and maximizing efficiency.
  • What security measures does Grain take to protect my data?
    At Grain, we prioritize your data's security and privacy. We use advanced encryption and security protocols to ensure that all data processed through our system is protected. Our commitment to data privacy is backed by continuous monitoring and adherence to the latest security standards.
  • Which currencies does Grain support for transactions?
    Grain supports a wide range of currencies, facilitated by our multi-currency wallet feature. This allows you to create and manage accounts in various currencies, enhancing your ability to conduct and receive payments globally. Whether you're dealing in major world currencies or more localized ones, our platform is designed to cater to your diverse currency needs.
  • How does Grain currency volatility protection work?
    Grain's currency volatility protection works through an AI-driven solution. Firstly, it integrates with your platform to report transactions. Then, it provides real-time local currency quotes to your users, ensuring exchange rate certainty. Grain assumes 100% of the FX risk, guaranteeing the rates promised. Finally, on the due date, Grain automates the currency exchange at the guaranteed rate, completing the transaction seamlessly.
  • Do I need the entire payment amount to be processed via Grain?
    No. You can elect whether to convert the entire transaction amount via Grain, or to only settle the currency offsets
  • How does the Grain Local Collection functionality work?
    Grain opens multiple cross-currency bank accounts, facilitating seamless local collections for global business operations.

FAQs

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