Grain Glossary

AI-Driven Currency Hedging Solution Embrace Seamless, Risk-Free Multi-Currency Commerce with Our Automated Cross-Currency Solution Get Started Watch the Video Adaptive Integration, Diverse Platforms Grain is designed to solve the challenges of cross-border commerce in diverse sets of environments, including Software Applications, Marketplaces, and Payment Service Providers. Software Platforms Embed Grain’s API to allow your users to automatically hedge Receivables and Payables from inside your application. Payment Service Providers B2B marketplaces GRAIN'S FLOW This is How it Works Report Platform Transactions Effortlessly integrate via our API or our file uploader. Get Quotes for Your Users Show your customer prices in their local currencies. Let Grain Take 100 % of the Risk Grain takes on the risk of delivering the FX rate promised. Automate Settlement on Due Date Grain exchanges currencies at the guaranteed rate and delivers to you or your customer. Learn More OUR DASHBOARD FX Insights & Management Gain complete visibility and control over your cross-currency activities with our intuitive dashboard. Additional Features for Optimal FX Management Explore the powerful capabilities of our solution designed to simplify and enhance your cross-currency transactions. Seamlessly convert currencies with our efficient spot transactions. Spot Transactions Simplify payments with local currency collections. Local Currency Collection Manage multi-currency wallets to withdraw & handle currencies easily. Virtual FX Accounts See Grain in Action Add FX certainty - without the complexity. Get Started 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

TRAVEL PLATFORMS Protect & Drive More Bookings with Currency Solutions Secure your earnings and ensure cross-currency stability for your customers, from booking to payment. Book a Demo Watch the Video CROSS CURRENCY PROTECTION Explore Our Solutions Grain simplifies cross-currency transactions, ensuring profit security, while protecting travel agents and enhancing platform competitiveness. End-to-end Currency Solution for CFOs Safeguard your travel business profits and ensure currency stability. Learn More Improve top line revenue by offering FX protection Protect your travel agent from FX losses and generate new revenue streams. Learn More END-TO-END FX HEDGING Streamlined FX Hedging Solution Our solution simplifies FX hedging for CFOs. Using a straightforward data stream via API or file sharing, Grain assumes all FX risks away from you. 100% Hedged Grain provides complete hedging for all transactions, including future cancellations. Keep Your Focus We handle FX volatility, allowing you to concentrate on growing your travel business. Financial Certainty Our solution ensures stable financial planning free from unexpected FX volatility. Competitive Pricing With no currency risk, you can offer more competitive pricing without static markups. CFO's FOR COMMERCIAL TEAMS Win New Customers with Cross-Currency Rate Protection Differentiate your platform by offering customers a choice to eliminate downside from currency risk. Save Money for Your Customers Differentiate your platform by offering customers a choice to eliminate downside from currency risk. Stand Out from the Competition Offer unique value with FX Rate protection to give customers added financial certainty and assurance. Generate New Profit Streams Grain shares premiums with you while we manage all FX claims, creating new profit streams for you without a hassle. No Risk for You Grain shares premiums with you while we manage all FX claims, creating new profit streams for you without a hassle. CRO's 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. Get Started 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

MARKETPLACES Unlock Possibilities and Opportunities for Marketplaces We help marketplaces in enabling smooth collaboration between buyers and sellers by safeguarding their transactions from FX risk. Book a Demo Watch the Video END-TO-END FX HEDGING Gain Financial Control with Our Integrated Solution With Grain, you can elevate your performance, reduce costs, and drive higher sales. Empower your buyers and sellers with the best-in-class cross-currency solution. Streamlined Integration Easily integrate Grain into your platform's payables and receivable process. Smooth Payment Execution Grain takes care of moving funds to their destination, hassle-free. Currency Rate Protection Grain ensures that exchange rates are locked in for future transactions. Complete Payment Control Allow your platform customers to view, analyze, edit, delete, or schedule payments. HOW IT WORKS Empowering Marketplaces for Risk free Transactions Control payables and receivables, protect against currency volatility, and ensure effortless payment execution with Grain's solutions. Payables & Receivable Control Users can view, edit, and schedule payments or receipts with locked-in exchange rates for future transactions. Currency Rate Protection Grain ensures that exchange rates are locked in, eliminating currency volatility risks. Payment Execution We handle the transfer of funds to their destination, making payments effortless and certain. Enhancing Efficiency, Stability & Reach Discover the Grain benefits designed specifically for Marketplaces. Financial Certainty Lock in exchange rates for payables and receivables, even for future transactions, protecting your users from currency volatility. Global Reach Seamlessly connect buyers and sellers from around the world, facilitating international collaborations with ease. Efficiency Streamline your payment process and eliminate manual entry, saving time and reducing errors. Competitive Advantage Gain a competitive edge by offering seamless currency risk protection attracting a wider user base. 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. Get Started 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

WE’RE HIRING! Join Our Team Be Part of Our Mission We’re looking for passionate people to join us and foster a culture that empowers you to do your best work. OPERATIONS Middle Office Analyst Be part of Grain's Risk team, playing a crucial role in supporting and optimizing the company's financial strategies, providing daily trade support, and serving as the primary contact for trading and risk-related communications with selected partners. Tel Aviv Full Time Payment Operations Manager Manage and direct the activities of the domestic and international payment operations, ensuring continuous, uninterrupted support from critical third parties. Tel Aviv Full Time ENGINEERING Full Stack Engineer Be part of Grain's top-tier developer team, shaping the future of fintech. Dive deep into front-end and back-end development, ensuring the excellence and resilience of our state-of-the-art embedded cross-currency platform. Tel Aviv Full Time

< Back Payment Operations Manager Manage and direct the activities of the domestic and international payment operations, ensuring continuous, uninterrupted support from critical third parties. Full Time Tel Aviv Apply Now Qualifications: 3+ years of operations experience, with 2+ years of direct payment operations experience 2+ years managing high-performing teams An operationally focused mindset, with an ability to lead teams through complex relationship management activities by setting a clear vision and running tight processes Experience maintaining operational working relationships with internal and external partners Experience working with recovery services such as recollections, disputes & recalls Bonus points: Knowledge of fintech, AP/AR, and/or B2B strategy Experience working on a global team A day in the life and how you’ll make an impact: Manage and direct the activities of the domestic and international payment operations ensuring continuous, uninterrupted support from critical third parties Assist team in the daily operations of all recovery services with a focus on gross/net loss and real-time operational metrics Lead on suspicious activities that include, fraud reporting, loss, disputes, and recovery efforts including ACH, Wire, and push Transaction Recalls Collaborate consistently with internal stakeholders, including Risk and compliance, Customer Experience, Legal, Product, R&D and others to proactively drive performance and manage risk Execute strategies, resolve issues, and provide support on all operational matters regarding payments to drive operational efficiency, continuous improvement, and enhance the customer experience Maintain in-depth knowledge of end-to-end transactional flows for payment channels Identify and communicate technical and/or business issues and solutions, including troubleshooting and coordinating with cross-functional teams in identifying and resolving issues that impact operations and the customer Anticipate emerging risks and mitigate existing risks relative to payment channel operations, prioritize and resolve issues About the team: Grain’s product is transaction based, so who better than the Payment Operations team to perform critical manual escalations of money movement to ensure we collect and deliver those transactions; and to be constantly changing with our platform uplift. Payment Operations solves problems. We are a team of financial services experts that understand how the banking system works and helps unblock bottlenecks in payment flows. This team focuses on continuous improvement of manual processes to move money in production, project work, automations, recovery of funds within the banking system, tooling and data insights to optimize our impact. About Grain: Grain is an end-to-end embedded cross-currency solution that empowers software platforms and marketplaces to effectively eliminate FX risk for their end customers. Through a user-friendly and automated tool, Grain's partners and their customers can easily secure currency rates into the future and conduct seamless cross-border fund transfers. Apply Now

< Back Full Stack Engineer Be part of Grain's top-tier developer team, shaping the future of fintech. Dive deep into front-end and back-end development, ensuring the excellence and resilience of our state-of-the-art embedded cross-currency platform. Full Time Tel Aviv Apply Now Job Description: Join a team of top-tier developers in building Grain’s state-of-the-art fintech solution. Dive deep into both front-end and back-end development ensuring optimal performance, quality, and resilience of our cutting edge, embedded currency hedging platform Handle high-scale system design and development, recognizing that any error can have drastic consequences Collaborate, brainstorm, and problem solve with a diverse team of engineers to tackle challenging issues and create innovative solutions Qualifications: 3+ years of professional experience as a software engineer with frontend and backend development Exceptional problem-solving abilities and a proactive mindset Excellent communication skills; able to convey complex topics in a clear and concise manner. Independent, fast learner and excited about learning new technologies Previous experience in the fintech sector is an advantage Who We Are: Grain is a pioneering fintech startup based in the heart of Tel Aviv. We offer embedded cross-currency solutions tailored for software platforms and marketplaces. Grain was founded by seasoned entrepreneurs, formerly of financial institutions such as Barclays, Deutsche Bank, and other renowned fintech startups. Grain is backed by leading venture capital firms and prominent financial institutions. At Grain, we offer an opportunity to shape the fintech landscape and be a part of a community that's committed to excellence. Apply Now

GRAIN'S EVENTS Grain Global Events Discover expert insights and innovative strategies at our webinars, conferences, and partner events to master your cross-currency risk management. All Events Grain x treasuryXL | Webinar Watch this informative session and learn how AI is transforming currency exchange management. You will gain the insights and tools you need to turn currency exchange into a strategic weapon for your business. RECORDING

< Back Middle Office Analyst Be part of Grain's Risk team, playing a crucial role in supporting and optimizing the company's financial strategies, providing daily trade support, and serving as the primary contact for trading and risk-related communications with selected partners. Full Time Tel Aviv Apply Now Objectives of this role Playing a crucial role in supporting and optimizing the company’s financial strategies Perform daily trade support of all trade aspects Being a point of contact regarding trading and risk related aspects with selected partners Responsibilities Perform daily trade support and implement enhancements to optimize control, ensure accurate trade capture, position management & inventory continuity day over day Maintain real-time monitoring positions, ensuring alignment with client objectives and risk parameters Execute FX hedge transactions in accordance with client strategies and market conditions Generate comprehensive reports for internal use and clients, summarize trading activities and performance metrics Work closely with internal teams, including trading, risk management and Data teams Develop and maintain strong relationships with clients, serving as a point of contact for trading and risk related inquiries Required skills and qualifications Bachelor's degree in Finance, Economics, Mathematics, or a related field or relevant industry experience 2+ years of proven experience as a Middle Office Analyst specializing in FX or a similar role in the financial sector Strong analytical skills and proficiency in statistical analysis tools and software with emphasis on advanced Excel skills Familiarity with financial technology and trading platforms. Trading skills- demonstrate ability in executing and managing trades, with a focus on FX derivatives Attention to detail to ensure quality, completeness and accuracy of work Excellent communication and interpersonal skills Preferred skills and qualifications Master's degree in finance, economics, mathematics, or a related field Knowledge of Google suite products, has ability to quickly work with new tools Proficiency with MS suite products Knowledge of Python/VBA Fluent in English, with excellent verbal and written communication skills About Grain: Grain is an end-to-end embedded cross-currency solution that empowers software platforms and marketplaces to effectively eliminate FX risk for their end customers. Through a user-friendly and automated tool, Grain's partners and their customers can easily secure currency rates into the future and conduct seamless cross-border fund transfers. Apply Now

Grain Financial Technology Ltd. Terms Of Serv ice Last Revised on October 16th , 2023 1. Services and Accounts 2. No Advice 3. Your Rights & Obligations 4. Ownership and Content 5. Third Party Services and Materials 6. Disclaimers, Limitations of Liability and Indemnification 7. Arbitration 8. Additional Provisions 1. Services and Accounts 2. No Advice Welcome to the Terms of Service (these “ Terms ”) for the website, https://www.grainfinance.co/ and its subdomains (collectively, the “ Website ”), the online platform (the “ Platform ”) and associated services operated on behalf of Grain Financial Technology Ltd. (“ Company ”, “ Grain ”, “ we ” or “ us ”). The Website, Platform, and any content, tools, features and functionality offered on or through our Website and the Platform are collectively referred to as the “ Services ”. These Terms govern your access to and use of the Services. Additional terms and conditions relating to specific services or products may be provided by the Company from time to time and will apply only if you use such specific services or products. Please read these Terms carefully, as they include important information about your legal rights. By clicking “I Agree” upon registering for an account or otherwise accessing and/or using the Services, you are agreeing to these Terms. If you do not agree to these Terms, please do not use the Services. For purposes of these Terms, “ you ” and “ your ” means you as the user of the Services. You must be 18 years of age or older to use the Services. If you use the Services on behalf of a company or other entity then “you” includes you and that entity, and you represent and warrant that (a) you are an authorized representative of the entity with the authority to bind the entity to these Terms and (b) you agree to these Terms on the entity’s behalf. YOU ACKNOWLEDGE AND AGREE THAT WE ARE NOT PROVIDING ANY ADVICE, CONSULTATION, ENDORSEMENT, PROFESSIONAL OR FINANCIAL SERVICES, OR RECOMMENDATION IN RELATION TO THE SERVICES, TRANSACTION(S), OR ANY PART THEREOF, OR YOUR USE OF THE SERVICES. YOUR USE OF THE SERVICES IS ENTIRELY AT YOUR OWN RISK. THE COMPANY DISCLAIMS ALL RESPONSIBILITY OR LIABILITY FOR ANY DECISION YOU MAKE IN RELATION TO THE SERVICES (INCLUDING ANY TRANSACTION). ALL USERS SHOULD SEEK PROFESSIONAL ADVICE ON THE RISKS INVOLVED IN THE USE OF THE SERVICES, INCLUDING UNDERTAKING TRANSACTIONS. 1. Services and Account a. The Services may offer certain customers the opportunity to carry out cross-currency transactions through the Platform (“ Transaction(s) ”). Each Transaction shall form a separate, individual contract between you and the Company, and is not transferable, negotiable, or assignable by you to or with any third party. The Company may reasonably refuse to accept any request to carry out any Transaction, without giving any reason, and the Company will have no liability to you or any other party as a result of doing so. b. You hereby agree and acknowledge that your access to and use of certain Services or features of the Platform may be subject to the Company (including Third Parties and its service providers) completing a user assessment, diligence, identification, and verification process, including having the right, in Company’s sole discretion, to approve, reject, or cancel any Account, request submitted through or in relation to the Services/Platform (including any Transaction) at any time, if the Company or its service providers reasonably believes such Account, request, or Transaction is not in compliance with, or poses a risk, under Company’s policies or not in compliance with applicable laws, rules, or guidelines (including without limitation BSA/AML, fraud, Know Your Customer (KYC), Know Your Business (KYB)). In the event of non-approval or cancellation of any Account, request, or Transaction, the Company shall make reasonable commercial efforts to inform the applicable user, subject to applicable law and regulations. The Company will review and approve/reject prospective accounts, user requests, and transactions, and will have the sole discretion of determining the relevant criteria for using the applicable Services and determining whether such criteria were met. The Company will have no liability for the non-completion of or a delay in completing any Transaction in relation to (i) circumstances that prohibit or restrict the execution or performance of a Transaction, including, without limitation, abnormal or unforeseeable circumstances beyond the Company’s reasonable control; (ii) applicable laws, regulations or Rules; (iii) occurrence of errors in quoted rates as a result of the automation of the Services that resulted in erroneous rates being presented when a Transaction is placed; (iv) your violation of these Terms. Costs and losses arising from the cancellation of your Transaction will be charged to, and payable by you. c. Creating and Safeguarding your Account . To use certain Services, you need to create an account (“ Account ”). You will only be eligible to use certain Services once we have successfully completed AML checks on you and we have sent you confirmation of the opening of your Account. You agree to provide us with accurate, complete and updated information for your Account and any action performed therein. You can access, edit and update your Account via the following means: navigate to “settings”, and choose to delete your data and/or disconnect any connected accounting software, or email us at: support@grainfinance.co . You are solely responsible for any activity on your Account and for maintaining the confidentiality and security of your password. We are not liable for any acts or omissions by you in connection with your Account. You must immediately notify us at support@grainfinance.co if you know or have any reason to suspect that your Account or password have been stolen, misappropriated or otherwise compromised, or in case of any actual or suspected unauthorized use of your Account. You agree not to create any Account if we have previously removed your, or we previously banned you from any of our Services, unless we provide written consent otherwise. d. Availability of Your Account. We will use commercially reasonable efforts to maintain the availability of the Services and do not guarantee that the Services will be available at all times. You agree to use the Services at your own risk and discretion, and you accept and acknowledge that software is prone to unforeseen issues, which may cause the Services to be unavailable or data to be lost. You agree that we will not be liable or accountable for any reason for any loss as a result of the unavailability of the Services. In such an event, you agree that your only recourse is to cease using the Services. The Company is entitled, at its sole discretion, to suspend access to the Platform, Account, and/or Services, or otherwise restrict functionality thereof, if (i) you are in breach of these Terms; or (ii) you (or anyone on your behalf), is using the Services in a manner that may cause us or our partners legal liability or disrupt the Services; We may continue any such suspension or restriction as we deem necessary at our discretion. e. In the event that you are unable to fully settle Transaction(s) payment, Grain may deduct any losses or costs from any funds held in your Account, and any overdue shortfall will be charged interest pursuant to applicable law. Subject to applicable law, you hereby acknowledge and agree that the Company can, in its sole discretion at any time and without notice, set off any sum standing to the credit of you in your Account against any payments, costs, charges, or other liabilities which you owe to the Company with respect to the Company’s Services. If you are unable to fully settle the Transaction(s) payment, any and all losses, costs, damages, liabilities, and other amounts shall be borne by you. 2. No advice a. You acknowledge and agree that we are not providing any advice, consultation, endorsement, professional or financial services, or recommendation in relation to the Services, Transaction(s), or any part thereof, or your use of the Services, including, without limitation, whether or not to proceed with any particular transaction or the potential implications of any particular transaction. Your use of the Services is your decision and responsibility, based solely on your own judgment. The Company disclaims all responsibility or liability for any decision you make in relation to the Services (including any Transaction). The Company will not be liable to you, or to any third party, for any loss of opportunity or other loss in relation to exchange rate changes or movements around the transaction time. Users should seek professional advice on the risks involved in the use of the Services, including undertaking Transactions. b. We may provide content, information, data, market information, and materials (“ Content ”) as part of our Services, and/or on our Website, social media pages, blogs, or otherwise in connection with the Services and the use thereof. Such Content does not constitute, nor should be deemed as, investment, financial, or professional advice. Please seek professional advice from a duly qualified and authorized financial services professional before you use the Services and enter into a Transaction. 3. Your Rights & Obligations a. Right to Use Services . We hereby permit you to use the Services for your internal business purposes, provided that you comply with these Terms in connection with all such use. Your access and use of the Services may be interrupted from time to time for any of several reasons, including, without limitation, the malfunction of equipment, periodic updating, maintenance or repair of the Service or other actions that Company, in its sole discretion, may elect to take. b. Your Obligations . You must timely perform all obligations that may be required to establish your use of the Services, including but not limited to (i) providing information relating to your organization, technology platforms, systems configurations, business processes and any other information that is reasonably requested by us; (ii) providing contact information for each bank that you want to use the Services in connection with; (iii) make your personnel available to us as may be reasonably necessary for us to perform under these Terms; and (iv) complete in a timely manner all your responsibilities in connection with the Services. Your delay or failure to perform your responsibilities shall result in an extension of our dependent obligations due to such delay or failure. You hereby represent, warrant, and covenant to the Company that (i) at all times, you will comply with all applicable laws, agency regulations, and instructions applicable to you, and any order or judgment of any court; (ii) you will not use, nor allow anyone to use the Services or any part thereof for any illegal or fraudulent purposes (including, without limitation, money laundering, tax evasion, terrorist financing, or any other illegal activities); and (iii) all information you supplied to the Company in relation to the Services shall be retained complete, accurate, up to date, and truthful. c. The Platform and Services may be used only in connection with lawful future payment needs and not for any speculative or investment purpose. You agree to provide the Company with such information as may reasonably request to assess your use of the Platform, Transaction, and/or Services in relation to a lawful future payment need. We may refuse any transaction, suspend any pending Transaction, or terminate any Account if We or any Third Party suspects that a user is using or intends to use the Platform, Transaction, or Services for investment or speculative purposes, or in violation of these Terms. d. Rules. To enable the Company to provide you with certain of the Services, applicable operating rules, regulations, manuals, policies, and procedures, promulgated by any regulatory authority or third-party service providers (“ Rules ”), may need to be met before and during your use of such Services. You agree, upon the Company’s request, to provide us with the required information and reasonably cooperate with us in order to meet such Rules and applicable requirements. e. Restrictions On Your Use of the Services . You may not do any of the following in connection with your use of the Services, unless applicable laws or regulations prohibit these restrictions or you have our written permission to do so: i. download, modify, copy, distribute, transmit, display, perform, reproduce, duplicate, publish, license, create derivative works from, or offer for sale any information contained on, or obtained from or through, the Services, except for temporary files that are automatically cached by your web browser for display purposes, or as otherwise expressly permitted in these Terms; ii. duplicate, decompile, reverse engineer, disassemble or decode the Services (including any underlying idea or algorithm), or attempt to do any of the same; iii. use, reproduce or remove any copyright, trademark, service mark, trade name, slogan, logo, image, or other proprietary notation displayed on or through the Services; iv. use cheats, automation software (bots), hacks, modifications (mods) or any other unauthorized third-party software designed to modify the Services; v. exploit the Services for any commercial purpose, including without limitation communicating or facilitating any commercial advertisement or solicitation; vi. access or use the Services in any manner that could disable, overburden, damage, disrupt or impair the Services or interfere with any other party’s access to or use of the Services or use any device, software or routine that causes the same; vii. attempt to gain unauthorized access to, interfere with, damage or disrupt the Services, accounts registered to other users, or the computer systems or networks connected to the Services; viii. circumvent, remove, alter, deactivate, degrade or thwart any technological measure or content protections of the Services; ix. use any robot, spider, crawlers, scraper, or other automatic device, process, software or queries that intercepts, “mines,” scrapes, extracts, or otherwise accesses the Services to monitor, extract, copy or collect information or data from or through the Services, or engage in any manual process to do the same; x. introduce any viruses, trojan horses, worms, logic bombs or other materials that are malicious or technologically harmful into our systems; xi. submit, transmit, display, perform, post or store any content that is inaccurate, unlawful, defamatory, obscene, lewd, lascivious, filthy, excessively violent, pornographic, invasive of privacy or publicity rights, harassing, threatening, abusive, inflammatory, harmful, hateful, cruel or insensitive, deceptive, or otherwise objectionable, use the Services for illegal, harassing, bullying, unethical or disruptive purposes, or otherwise use the Services in a manner that is obscene, lewd, lascivious, filthy, excessively violent, harassing, harmful, hateful, cruel or insensitive, deceptive, threatening, abusive, inflammatory, pornographic, inciting, organizing, promoting or facilitating violence or criminal or harmful activities, defamatory, obscene or otherwise objectionable; xii. violate any applicable law or regulation in connection with your access to or use of the Services; or xiii. access or use the Services in any way not expressly permitted by these Terms. 4. Ownership and Content a. Ownership of the Services. The Services, including their “look and feel” (e.g., text, graphics, images, logos), proprietary content, information and other materials, are protected under copyright, trademark and other intellectual property laws. You agree that the Company and/or its licensors own all right, title and interest in and to the Services (including any and all intellectual property rights therein) and you agree not to take any action(s) inconsistent with such ownership interests. We and our licensors reserve all rights in connection with the Services and its content, including, without limitation, the exclusive right to create derivative works. You may not, without our prior written consent and the consent of any other relevant rights owners, broadcast, republish, upload to a third party, transmit, post, distribute, display in public, or change in any way the Services for any purpose. b. Ownership of Trademarks . The Company’s name, GRAIN FINANCE, the Company’s logo and all related names, logos, product, branding, and service names, designs and slogans are trademarks of the Company or its affiliates or licensors. Other names, logos, product and service names, designs and slogans that appear on the Services are the property of their respective owners, who may or may not be affiliated with, connected to, or sponsored by us. c. Ownership of Feedback . We welcome feedback, comments and suggestions for improvements to the Services (“ Feedback ”). You acknowledge and expressly agree that any contribution of Feedback does not and will not give or grant you any right, title or interest in the Services or in any such Feedback. All Feedback becomes the sole and exclusive property of the Company, and the Company may use and disclose Feedback in any manner and for any purpose whatsoever without further notice or compensation to you and without retention by you of any proprietary or other right or claim. You hereby assign to the Company any and all right, title and interest (including, but not limited to, any patent, copyright, trade secret, trademark, show-how, know-how, moral rights and any and all other intellectual property right) that you may have in and to any and all Feedback. 5. Third Party Services and Materials a. You acknowledge that the Platform, Content, and Services include, may rely on, or otherwise facilitate or act as merely a conduit to functionalities, infrastructures, services, and/or operations which are made available by third parties (“ Third Party(ies) ”), including, for example, currency exchange brokers, and financial banking institutions. Third Parties’ functionalities, infrastructures, services, and/or operations are not operated or controlled by the Company. Notwithstanding anything else in these Terms or otherwise, the Company makes no warranties or representations express or implied, as to the quality, capabilities, operations, performance, or suitability of Third Parties or their functionalities, infrastructures, services, and/or operations and disclaims all liability resulting from or related to the foregoing, including any effect on the Services or any part thereof. b. Certain Services may display, include or make available content, data, information, applications or materials from third parties (“ Third Party Materials ”) or provide links to certain third party websites. By using the Services, you acknowledge and agree that the Company is not responsible for examining or evaluating the content, accuracy, completeness, availability, timeliness, validity, copyright compliance, legality, decency, quality or any other aspect of such Third Party Materials or websites. We do not warrant or endorse and do not assume and will not have any liability or responsibility to you or any other person for any third-party services, Third Party Materials or third-party websites, or for any other materials, products, or services of third parties. Third Party Materials and links to other websites are provided solely as a convenience to you. 6. Disclaimers, Limitations of Liability and Indemnification a. Disclaimers . The Services may have limited features and functionalities and may contain errors, defects, bugs, or inaccuracies that could cause failures, corruption or loss of data and information from any connected device. Additionally, the beta version of the Services may have different standards of security, privacy, availability or reliability that can affect your use of the Services. Your access to and use of the Services are at your own risk. You understand and agree that the Services are provided to you on an “AS IS” and “AS AVAILABLE” basis. Without limiting the foregoing, to the maximum extent permitted under applicable law, the Company, its parents, affiliates, related companies, officers, directors, employees, agents, representatives, partners and licensors (“ the Company Entities ”) DISCLAIM ALL WARRANTIES AND CONDITIONS, WHETHER EXPRESS OR IMPLIED, OF MERCHANTABILITY, FITNESS FOR A PARTICULAR PURPOSE OR NON-INFRINGEMENT. The Company Entities make no warranty or representation and disclaim all responsibility and liability for: (a) the completeness, accuracy, availability, timeliness, security or reliability of the Services; (b) any harm to your computer system, loss of data, or other harm that results from your access to or use of the Services; (c) the operation or compatibility with any other application or any particular system or device; and (d) whether the Services will meet your requirements or be available on an uninterrupted, secure or error-free basis. No advice or information, whether oral or written, obtained from the Company Entities or through the Services, will create any warranty or representation not expressly made herein. b. Limitations of Liability . TO THE EXTENT NOT PROHIBITED BY LAW, YOU AGREE THAT IN NO EVENT WILL THE COMPANY ENTITIES BE LIABLE (A) FOR INDIRECT, SPECIAL, EXEMPLARY, INCIDENTAL, CONSEQUENTIAL OR PUNITIVE DAMAGES (INCLUDING, BUT NOT LIMITED TO, PROCUREMENT OF SUBSTITUTE GOODS OR SERVICES, LOSS OF USE, DATA OR PROFITS, BUSINESS INTERRUPTION OR ANY OTHER DAMAGES OR LOSSES, ARISING OUT OF OR RELATED TO YOUR USE OR INABILITY TO USE THE SERVICES), HOWEVER CAUSED AND UNDER ANY THEORY OF LIABILITY, WHETHER UNDER THESE TERMS OR OTHERWISE ARISING IN ANY WAY IN CONNECTION WITH THE SERVICES OR THESE TERMS AND WHETHER IN CONTRACT, STRICT LIABILITY OR TORT (INCLUDING NEGLIGENCE OR OTHERWISE) EVEN IF THE COMPANY ENTITIES HAVE BEEN ADVISED OF THE POSSIBILITY OF SUCH DAMAGE OR (B) FOR ANY DAMAGES IN EXCESS OF ONE HUNDRED DOLLARS ($100.00), OR THE AMOUNT YOU PAID THE COMPANY ENTITIES, IF ANY, IN THE PAST SIX (6) MONTHS FOR THE SERVICES (OR OFFERINGS PURCHASED ON THE SERVICES) GIVING RISE TO THE CLAIM. THE FOREGOING LIMITATIONS WILL APPLY EVEN IF THE ABOVE STATED REMEDY FAILS OF ITS ESSENTIAL PURPOSE. c. Indemnification . By entering into these Terms and accessing or using the Services, you agree that you shall defend, indemnify and hold the Company Entities harmless from and against any and all claims, costs, damages, losses, liabilities and expenses (including attorneys’ fees and costs) incurred by the Company Entities arising out of or in connection with: (a) your violation or breach of any term of these Terms or any applicable law or regulation; (b) your misuse of the Services; or (c) your negligence or wilful misconduct. If you are obligated to indemnify any Company Entity hereunder, then you agree that Company (or, at its discretion, the applicable Company Entity) will have the right, in its sole discretion, to control any action or proceeding and to determine whether Company wishes to settle, and if so, on what terms, and you agree to fully cooperate with Company in the defence or settlement of such claim. 7. ARBITRATION a. Informal Process First . You agree that in the event of any dispute between you and the Company Entities, you will first contact the Company and make a good faith sustained effort to resolve the dispute before resorting to more formal means of resolution, including without limitation, any court action. b. Arbitration Agreement . After the informal dispute resolution process, any remaining dispute, controversy, or claim (collectively, “ Claim ”) relating in any way to your use of the Company’s services and/or products, including the Services, will be resolved by arbitration, including threshold questions of arbitrability of the Claim. You and the Company agree that any Claim will be settled by final and binding arbitration, using the English language, administered by JAMS under its Comprehensive Arbitration Rules and Procedures and the JAMS Consumer Minimum Standards (together, the “ JAMS Rules ”) then in effect (those rules are deemed to be incorporated by reference into this section, and as of the date of these Terms). Arbitration will be handled by a sole arbitrator in accordance with the JAMS Rules. The seat of the arbitration will be in New York, New York. Judgement on the arbitration award may be entered in any court that has jurisdiction. 8. Additional Provisions a. Services Changes; Updating These Terms. The Company reserves the right to make changes and modifications to the Platform and/or Services at any time and from time to time. We may modify these Terms from time to time in which case we will update the “Last Revised” date at the top of these Terms. If we make changes that are material, we will use reasonable efforts to attempt to notify you, such as by e-mail and/or by placing a prominent notice on the first page of the Website. However, it is your sole responsibility to review these Terms from time to time to view any such changes. The updated Terms will be effective as of the time of posting, or such later date as may be specified in the updated Terms. Your continued access or use of the Services after the modifications have become effective will be deemed your acceptance of the modified Terms. b. Termination. If you breach any of the provisions of these Terms, all licenses and rights granted by the Company will terminate automatically. Additionally, the Company may suspend, disable, or delete your Account and/or the Services (or any part of the foregoing) with or without notice, for any or no reason. If the Company deletes your Account for any suspected breach of these Terms by you, you are prohibited from re-registering for the Services under a different name. All sections which by their nature should survive the termination of these Terms shall continue in full force and effect subsequent to and notwithstanding any termination of these Terms by the Company or you. Termination will not limit any of the Company’s other rights or remedies at law or in equity. c. Injunctive Relief. You agree that a breach of these Terms will cause irreparable injury to the Company for which monetary damages would not be an adequate remedy and the Company shall be entitled to equitable relief in addition to any remedies it may have hereunder or at law without a bond, other security or proof of damages. d. U.S. Government Restricted Rights. The Services and related documentation are “Commercial Items”, as that term is defined at 48 C.F.R. §2.101, consisting of “Commercial Computer Software” and “Commercial Computer Software Documentation”, as such terms are used in 48 C.F.R. §12.212 or 48 C.F.R. §227.7202, as applicable. Consistent with 48 C.F.R. §12.212 or 48 C.F.R. §227.7202-1 through 227.7202-4, as applicable, the Commercial Computer Software and Commercial Computer Software Documentation are being licensed to U.S. Government end users (a) only as Commercial Items, and (b) with only those rights as are granted to all other end users pursuant to the terms and conditions herein. e. Export Laws. You agree that you will not export or re-export, directly or indirectly, the Services and/or other information or materials provided by the Company hereunder, to any country for which the United States or any other relevant jurisdiction requires any export license or other governmental approval at the time of export without first obtaining such license or approval. In particular, but without limitation, the Services may not be exported or re-exported (a) into any U.S. embargoed countries or any country that has been designated by the U.S. Government as a “terrorist supporting” country, or (b) to anyone listed on any U.S. Government list of prohibited or restricted parties, including the U.S. Treasury Department’s list of Specially Designated Nationals or the U.S. Department of Commerce Denied Persons List or Entity List. By using the Services, you represent and warrant that you are not located in any such country or on any such list. You are responsible for and hereby agree to comply at your sole expense with all applicable United States export laws and regulations. f. Use of the Platform. You are responsible for providing the mobile device, wireless service plan, software, Internet connections and/or other equipment or services that you need to download, install and use the Platform. We do not guarantee that the Platform can be accessed and used on any particular device or with any particular service plan. We do not guarantee that the Platform will be available in, or that transactions can be placed from, any particular geographic location. g. Relationship to Customer Agreement. You acknowledge that any Customer Agreement entered into between you and us contains terms applicable to the Services and therefore these Terms are not an exhaustive list of terms applicable to the Services. In the event of any inconsistency between these Terms and your Customer Agreement, your Customer Agreement shall control. h. Privacy Policy. Our Privacy Policy describes how we handle the information you provide to us when you use the Services. For an explanation of our privacy practices, please visit our Privacy Policy located at https://www.grainfinance.co/privacy-policy . For additional terms applicable to the Services regarding the privacy and security of your data and the parties’ confidentiality obligations, please see your Customer Agreement. i. Miscellaneous. If any provision of these Terms shall be unlawful, void or for any reason unenforceable, then that provision shall be deemed severable from these Terms and shall not affect the validity and enforceability of any remaining provisions. These Terms and the licenses granted hereunder may be assigned by the Company but may not be assigned by you without the prior express written consent of the Company. No waiver by either party of any breach or default hereunder shall be deemed to be a waiver of any preceding or subsequent breach or default. The section headings used herein are for reference only and shall not be read to have any legal effect. The Services are operated by us in the United States. Those who choose to access the Services from locations outside the United States do so at their own initiative and are responsible for compliance with applicable local laws. These Terms are governed by the laws of the State of New York, without regard to conflict of laws rules, and the proper venue for any disputes arising out of or relating to any of the same will be the arbitration venue set forth in Section 6, or if arbitration does not apply, then the state and federal courts located in New York, New York. You and the Company agree that the United Nations Convention on Contracts for the International Sale of Goods will not apply to the interpretation or construction of these Terms. You agree to receive email notifications from us and acknowledge that these emails are required to notify you of updates in relation to the Services. j. How to Contact Us. You may contact us regarding the Services or these Terms at: 8 Shaul HaMelech Blvd, Israel, or by email at support@grainfinance.co . k. Payment services for Grain Finance Ltd. are provided by TransferMate Limited. 3. Your Rights & Obligations 5. Third Party Services and Materials 4. Ownership and Content 7. Arbitration 6. Disclaimers, Limitations of Liability and Indemnification 8. Additional Provisions

WHY CHOOSE GRAIN Protect Your Business Against Currency Volatility Grain provides businesses with an embedded cross-currency solution, reducing FX risk, driving new revenues, and improving competitiveness. First Name Last name Company Work Email Request a Demo Today OUR BENEFITS Explore the Advantages of Grain Assure Hedge, Alt21, Kantox, Fluenccy and Reach & Bound provide specialized FX services. Our API-based solution integrates these features into a single embeddable solution, enabling clients to hedge global transactions and extend these services to their customers. AI-Driven Hedging Efficiency Our AI technology enhances hedging effectiveness, ensuring your financial strategies are more accurate. Complete Risk Offloading With our insurance-based approach, Grain takes on 100% of the risk, providing you with peace of mind. Lower Operational Costs We lower operational costs through netting positions, directly passing savings onto our customers. Comprehensive Tech Ecosystem Our full tech stack supports every stage of the hedging transaction lifecycle, from initiation to cash settlement. Hedge 100% of Transactions Grain offers unparalleled support for cancellations and refunds, without any additional costs to our customers. Seamless Integration We offer both real-time and offline integration options, whether you want API or file sharing. Localized Fund Collection We enable the collection of funds locally at the point of transaction with secured FX rates. Embeddable Currency Protection Our solution can be fully integrated into any platform, offering end-to-end currency protection. Revenue Sharing Model Grain shares revenue generated from hedging activities with platform-type customers.

< Back Content Writer (closed) Grain is searching for an advocate of brand communication across a diverse mix of marketing channels. Full Time Tel Aviv Apply Now Who are we? Grain is a fast-growing fintech startup based in Tel Aviv, offering embedded cross-currency solutions for software platforms and marketplaces. Founded by entrepreneurs formerly of Barclays, Deutsche Bank and top fintech startups who are passionate about leveraging technology to make financial solutions more accessible. Grain is backed by venture capitals and leading financial institutions. Who are we looking for? As part of our Marketing team, we are seeking passionate, experienced, independent English content writer/copywriter. We are searching for an advocate of brand communication across a diverse mix of marketing channels. The purpose of this position is to create all written materials for business use. Responsible for communicating the company's messaging to potential and existing customers in various industries, researching industry-related topics, coming up with ideas for new content types, and writing content that helps drive conversions. Responsibilities Create marketing messages that connect with our target audience Conduct in-depth market research and compose content that is relevant and engaging to target audience Create educational and action-driving marketing collaterals – blog posts, whitepapers, landing pages, ads, social content and publications Collaborate with biz dev and partnerships teams to conceptualize and write compelling sales-driven collaterals – presentations, brochures, white papers, testimonials and more Develop, implement, and manage organic social media activities Implement SEO practices to increase blog posts’ visibility Maintain a content marketing calendar that schedules all aspects of the creation and delivery of content throughout the year Update and maintain our websites as needed, including writing the copy for new landing pages Write, manage, and edit product-related copy across multiple channels Work closely with the entire organization as part of the Marketing Team Qualifications Native English Speaker (must) Exceptional storytelling, writing and editing skills, including the ability to approach in a range of voices and styles for diverse audiences A consistent record of crafting solid short copy and long form content across several mediums Copywriting samples; a portfolio of published articles is a plus Bachelor’s Degree, preferably in marketing, Communications, Journalism, or relevant field 3+ year’s proven work experience as a Content Writer, Copywriter, preferably in tech/SaaS Understanding and interest in financial topics Experience using social media for business An ability to describe product features in a creative and informative way Research skills to produce high-quality content An ability to fact-check long-form content pieces Data-driven thinking & resourceful Collaborative/self-starter approach, able to find opportunities and take initiative Advantage Experience in Fintech Knowledge of SEO/SEM and Google Analytics Experience in working with Wix as an editor Posting Statement All qualified applicants will receive consideration for employment without regard to race, color, religion, religious creed, sex, national origin, ancestry, age, physical or mental disability, medical condition, genetic information, military and veteran status, marital status, pregnancy, gender, gender expression, gender identity, sexual orientation, or any other characteristic protected by local law, regulation, or ordinance. Apply Now