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SCT09 - Multi-Currency Financial Operation

Support for operations across multiple currencies with exchange capabilities, enabling global financial services through the API.

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Overview

This capability enables your platform to operate across multiple currencies via API, providing foreign exchange services, multi-currency accounts, and international payment processing.

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Features

FeatureDescription
Multi-Currency AccountsHold balances in multiple currencies
Foreign ExchangeReal-time currency conversion
International PaymentsCross-border payment processing
FX ReportingCurrency conversion reporting
Exchange Rate ManagementCompetitive rate sourcing

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Configuration Options

LevelCurrenciesFeatures
BasicMajor currencies only (8)Standard FX rates
StandardExtended (30+)Competitive rates, FX reporting
AdvancedGlobal (100+)Real-time FX, rate locking

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API Usage

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Get Exchange Rate

GET /api/v1/fx/rates?from=EUR&to=USD
Authorization: Bearer {access_token}
Response: 
{
  "from_currency": "EUR",
  "to_currency": "USD",
  "rate": 1.0850,
  "inverse_rate": 0.9217,
  "timestamp": "2024-01-15T10:30:00Z",
  "valid_until": "2024-01-15T10:31:00Z"
}

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Execute Currency Conversion

POST /api/v1/fx/convert
Content-Type: application/json
Authorization: Bearer {access_token}

{
  "source_account_id": "acc_eur_123",
  "destination_account_id": "acc_usd_456",
  "source_amount": 1000.00,
  "source_currency": "EUR",
  "destination_currency": "USD"
}
Response: 
{
  "conversion_id": "fx_abc789",
  "source_amount": 1000.00,
  "source_currency": "EUR",
  "destination_amount": 1085.00,
  "destination_currency": "USD",
  "rate_applied": 1.0850,
  "fee": 5.00,
  "status": "COMPLETED"
}

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Create Multi-Currency Account

POST /api/v1/accounts
Content-Type: application/json
Authorization: Bearer {access_token}

{
  "customer_id": "cust_123456",
  "account_type": "MULTI_CURRENCY",
  "currencies": ["EUR", "USD", "GBP"],
  "primary_currency": "EUR"
}

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Supported Currencies

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Major Currencies

USD, EUR, GBP, JPY, CHF, CAD, AUD, NZD

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European Currencies

SEK, NOK, DKK, PLN, CZK, HUF, RON, BGN

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Other Currencies

AED, SAR, ZAR, BRL, MXN, SGD, HKD, and 100+ more

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Integration with Other Capabilities

CapabilityIntegration
SCT03 - CountryAvailable currencies per country
SCT04 - Instant PaymentCross-currency instant transfers
SCT12 - Financial NetworkInternational payment rails

FX APIs

View detailed FX API specifications

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Subscription Tier Availability

TierConfiguration Level
StarterNot included
ProfessionalStandard
EnterpriseAdvanced
CustomConfigurable