Most businesses run currency on nerve: someone’s gut, on the day, under pressure. SettlePoint replaces nerve with a written policy: your rules, enforced daily, and carried out without a single market prediction.
You set your own rules: how much of each invoice must be covered, and by when; the exchange rates your budgets assume; what to do when the market turns rough. SettlePoint checks every invoice against your rules each day, tells you the exact top-up amount when you’re behind, records it formally when you choose to deviate, and shows your board how well the rules were followed.
Every version of your policy is kept for good: who dictated it, when, and exactly what it said. Nothing is ever edited or deleted: a change is always a new version, on the record.
For the part of an invoice your cover schedule hasn’t reached yet, you pick one of three approaches. Their rules are fixed and never change: they were tested on more than 50,000 real invoices they had never seen before, and every message you receive is simply your chosen approach being carried out, never our opinion on where the rand is going.
For the business that would rather know its rate than chase a better one. It locks in quickly when your bank’s pricing is sharp; where the margin is expensive, a managed alternative delivers similar certainty without paying it. In testing it cut the scatter of due-date settling to about a quarter: the rate you end up with sits close to the rate you planned on.
Most of each invoice follows your cover discipline; the rest waits for a better level. On invoices the engine had never seen, it came out ahead of settling immediately in all four periods tested, including 2024–2026.
You rarely take forward cover; this approach runs that habit with discipline instead of nerve. Each invoice waits for a target rate in your favour, reached before the due date in about 7 of 10 similar invoices, historically. If it’s never reached, you get no transact-now message and the invoice simply settles on its due date. The most variable outcomes of the three, chosen with eyes open.
One number worth knowing: the worst 1-in-20 invoice under these approaches cost about 20 cents more on the rate than settling on day one: on a $100,000 invoice, roughly R20,000. With no approach at all, the same worst case was about 55 cents, roughly R55,000. We never tell you which approach to pick. The difference is predictability: Defensive the most predictable final rate, Aggressive the most variable, Balanced between. You choose once; the system carries out your choice. Where these figures come from →
Confirm a plan and the invoice carries a small timeline: the level it’s watching, checked on every closed hour; a transact-now message the moment your level is reached; a settle instruction at the deadline if it never is. Beside it, the desk’s minutes: carry against your bank’s margin, the historical range of outcomes on invoices like it, the market state, the calendar. Each seat one sentence, none of them a vote. Your approved policy chose the action before any of them spoke.
Every confirmation, trigger and settle is recorded the moment it happens, append-only, and a ledger grades every claim against one benchmark: settling immediately. At renewal you don’t get a story; you get a record.
Want to see it on your own history? Replay one of your settled invoices now: free, no login, or during the beta we’ll replay your whole year on request: ask for a year replay.