Multi-currency accounts

Offer your customers the ability to hold, send, and convert currencies before or during transaction, in fiat, crypto, stablecoin and alternative value units.

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Multi-currency capabilities with flexibility and security

Episode Six delivers multi-currency wallets powered by an asset agnostic dual-entry ledger, enabling customers to hold, exchange, and transact across fiat, crypto, and alternative value units.
 
General - multicurrency (1)

Easily add new currencies to any multicurrency product use case.

Multi-currency - Account flexibility

Access flexibility in treasury management by using your own system or take advantage of our framework to connect to your preferred liquidity provider for real time spot rates.

Multicurrency - account exchange-1

Offer customers the ability to hold, generate quotes and exchange values between wallets in real time.

Multicurrency - Lock rate

Provide customers the security of prices and rates established before conversion by locking in rates for periods you determine.

Multi-currency capabilities with flexibility and security

Episode Six delivers multi-currency wallets powered by an asset agnostic dual-entry ledger, enabling customers to hold, exchange, and transact across fiat, crypto, stablecoin, and alternative value units.  

Our platform is purpose-built to help financial institutions launch and scale innovative multi-currency offerings without being constrained by legacy systems.

We're fully agnostic to FX providers, providing ultimate flexibility—within your own treasury system or third-party rate sources.
With Episode Six, you can use an FX provider or your own treasury provider.

There's no restriction on the amount of multi-currency wallets your customers can hold, or their ability to interact with them. You can offer customers any set of currencies and easily add or subtract offerings, and you'll have the flexibility of selecting the rates provided to your customers.

Offer multi-currency cards in multiple options and formats:
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Prepaid
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Debit
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Physical
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virtual

Offer your customers more than the standard multi-currency capabilities

Our processing engine is designed from the ground up to handle the complexities of multi-wallet and multi-currency transactions.

Transaction traceability within our dual-entry ledger provides linked transaction entries with FX conversion rates, converted currency amounts and settlement currencies. Value pairs can be established across any number of currencies, crypto assets, reward points, and other forms of value.

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Design competitive, differentiated products that scale with your business strategy on our platform, combined with versatile FX margin settings.

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Each multi-currency account can have multiple linked cards supporting travel card and corporate T&E use cases.

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Power as many multi-currency wallets as you want—there's no limit.

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Ensure accurate pricing for both buy and sell transactions with real-time FX conversion.

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Target specific customer tiers or individuals with flexible funding sources, transfer channels, and configurable fee plans.

Our processing engine is designed from the ground up to handle the complexities of multi-wallet and multi-currency transactions.

Transaction traceability within our dual-entry ledger provides linked transaction entries with FX conversion rates, converted currency amounts and settlement currencies. Value pairs can be established across any number of currencies, crypto assets, reward points, and other forms of value.

From upgrading your current program to introducing multi-currency, we've got you covered

Maybe you want more freedom than your current multi-currency program allows. Or maybe you're new to multi-currency and curious if you can make it work with your current functionality. No matter what stage you're in, our platform has all the features you need to provide seamless cross-currency transactions, anywhere in the world.

Enable real-time top-ups from external sources during transaction processing.

Drive higher approval rates and reduce declines.

Access advanced risk-rules management and intelligent transaction authorization.

Ensure decisions can be automated by transaction currency or pre-set currency preference order.

Ensure seamless usability across currencies with real-time in-transaction conversion.

Features like Quickspend give you the ability to prioritize spending across any value unit, including non-fiat currencies.

Support program management and customer service teams with our interactive dashboard.

Event-driven notifications keep customers informed of balances and transactions as they happen.

Provide operational transparency with built-in reconciliation and account management reports.

Launch your next big thing with a processing system purpose-built for multi-wallet, multi-currency innovation.

FAQs

Can I customize fees and FX margins?

Yes—you can configure multiple fee plans tied to customer tiers or even specific individuals. FX conversion margins can also be set by buy/sell currency and currency pairs and any value units, giving you the control to design competitive, differentiated offerings. Fees can be applied per currency.

How does the platform handle complex or non-standard transactions?

Our processing engine is purpose-built for multi-wallet, multi-currency scenarios. It manages not only standard payments but also exceptions like complex transfers, negative balance rollbacks, and transactions involving non-fiat currencies. Features like Quickspend further allow prioritized spending across any value unit.

How do multi-currency controls work?

We dynamically convert the currency back into the compliance currency to ensure customer spend hasn't been exceeded.

Ready to offer your customers the flexibility and security of Episode Six multicurrency accounts?