Beyond Your Bank: Advanced FX Hedging, Global Payments, and Working Capital for the Multi-Currency World
For businesses in general, trading on the global stage presents immense opportunities but also significant financial challenges. Navigating volatile currency markets, slow cross-border payments, and the high, often hidden, fees charged by traditional banks can directly impact your profitability and efficiency. It’s time to move beyond the limitations of your bank and embrace a smarter, more integrated approach to managing your international finances.
TABLE OF CONTENT
For years, I've operated at the heart of the international trade and finance world. I've seen firsthand the immense frustrations that most businesses endure when dealing with conventional banking. The challenges are always the same: cross-border transactions take far too long, the constant threat of currency volatility erodes thin profit margins, and a frustrating lack of responsive support leaves businesses feeling powerless.
My perspective on what was possible changed completely in June 2025. I was involved in a significant commodity deal where a client utilized the services of the company that is now our global financial technology partner. The difference was night and day.
I witnessed them execute the entire transaction with a speed and security I had never seen before. Their fees were transparent and competitive, and their proactive, intelligent support kept the deal moving at an optimal pace, protecting its value at every step. Seeing this level of professionalism and effectiveness in the open market gave me unshakable confidence.
This experience didn't just give us confidence; it revealed a perfect synergy with our core expertise at DLVIUSTUS.
Since 2009, we have provided highly specialized quantitative, technical, and fundamental analysis to some of the world’s most demanding clients: commodity houses trading in oil, chemicals, precious metals, and foreign exchange. For these clients, where vast volumes mean that fractions of a cent and split-second timing determine profitability, our analytical precision is paramount. This is powered by our unique, proprietary analytical systems—a sophisticated engine we have been refining for over a decade to identify market turning points with pinpoint accuracy.
We recognized a gap. While we provided the strategic "when" and "how" for financial market trades, our clients in the real world of physical trade—importers, exporters, and manufacturers—needed a superior platform for the "doing."
Our global financial technology partner provides that world-class execution. They have the robust, secure, and efficient infrastructure to move actual currencies and settle real-world trade. This is why our services merge so wonderfully.
This unshakable confidence inspired our core mission: to offer clients a complete, turnkey solution. We provide the strategic insight to help you time your trades and protect your profits, and through our formal partnership as an Introducing Broker, we provide the platform to execute your transactions flawlessly.
Our goal is to offer businesses a powerful alternative to the slow, costly, and impersonal systems of traditional banking. We serve as your trusted, local gateway, connecting you to a world-class platform and equipping you with the solutions needed to protect your profits and accelerate your global growth.
We are deeply passionate about this service for the value it provides to our clients.
Yours in Wealth Creation,
Founder & CEO
Through our global financial technology partner, we introduce you to a comprehensive suite of services designed to address every aspect of your international transactions.
1. International Payments & Collections
Streamline how you pay suppliers and get paid by customers around the world. Our partner’s robust infrastructure ensures your funds move efficiently and securely.
Global Reach: Make payments in over 130 currencies to more than 160 countries worldwide.
Local Payments: Send funds like a local in 37+ currencies, ensuring faster, cheaper settlement while eliminating FX risk for your beneficiary.
Global Collections: Easily receive funds from your international customers in over 35 currencies.
Mass Payments: A specialised solution for high-volume, time-critical payments like international payroll or supplier runs, with a 99.97% on-time success rate.
2. FX Risk Management
Protect your business from the financial damage caused by currency volatility. Don’t let unpredictable movements in the Rand erode your hard-earned profit margins.
Bespoke Hedging: Gain access to customised hedging strategies in over 60 currencies designed to meet your specific needs, risk appetite, and business goals.
Certainty with Forward Contracts: Lock in an exchange rate for a future date using forward contracts, giving you complete certainty over your future costs and revenues.
Structured Approach: Benefit from a proven six-step framework for designing, executing, and reviewing your FX risk management strategy, ensuring sound governance and peace of mind.
3. Multi-Currency Accounts
Stop losing money on unnecessary currency conversions and simplify your global cash management. Operate internationally as if you were a local.
Centralised Control: Hold, manage, and convert funds in 29+ different currencies from a single, easy-to-use online platform.
Get Paid Like a Local: Open unique, named IBAN accounts in over 20 jurisdictions (including the UK, USA, and Europe). Share these details with your customers so they can pay you easily and cheaply in their own currency.
Reduce Fees: By holding foreign currencies, you can pay international suppliers from the same balance and only convert funds when the rate is favourable, significantly reducing conversion costs.
4. Flexible Trade Finance
Optimise your working capital and improve your cash flow, giving you the financial flexibility to seize growth opportunities.
Bridge Cash Flow Gaps: Access unsecured credit lines to finance your purchases from suppliers.
Flexible Repayments: Benefit from flexible repayment structures of up to 150 days, allowing you to access funds when you need them most, whether it's for new equipment, inventory, or livestock.
Our solutions are designed for any business that operates internationally. We have deep experience in providing tailored strategies for a range of industries, including:
Importers & Exporters
Agriculture & Agribusiness
Maritime & Shipping
Global E-commerce
Charities & NGOs
Our solutions are designed for any South African business that operates internationally. We have deep experience in providing tailored strategies for a range of industries, leveraging the powerful and specialised capabilities of our global financial technology partner.
Your business is the backbone of global trade, but you face constant pressure on your profit margins from currency fluctuations and transaction costs. We connect you with solutions to protect your bottom line and streamline your operations.
Protect Against Volatility: For importers, adverse currency movements can make goods more expensive ; for exporters, they can result in lower revenue. We introduce you to bespoke FX hedging strategies, like forward contracts, that allow you to lock in an exchange rate and gain certainty over your future costs and revenues.
Strengthen Supplier Relationships: Paying your international suppliers in their preferred local currency can help you secure more stable pricing and build stronger, more reliable partnerships. Our partner facilitates payments in over 130 currencies to make this simple.
Optimise Your Working Capital: Free up cash flow by utilising flexible trade finance solutions, which offer unsecured credit lines with repayment structures of up to 150 days to finance your purchases.
For Agriculture & Agribusiness
The agricultural sector faces a unique set of challenges, from seasonal income streams to the high cost of equipment and the need to operate in diverse global markets. We introduce solutions specifically designed for your needs.
Manage Seasonal Cash Flow: A flexible trade finance facility provides access to funds when you need them most, whether it's to invest in new equipment or purchase livestock, with repayment terms of up to 150 days.
Pay International Workers with Ease: Seamlessly pay your overseas workers in their local currency, which they can easily repatriate, through a cost-effective mass payment solution.
Boost Exports: By setting up local collection accounts in currencies like USD, EUR, and JPY, you can enable your global customers to pay you like a local, simplifying the process and boosting your international sales.
For Maritime & Shipping
The shipping industry is inherently global and operates on time-critical, multi-currency transactions. We connect you to a specialised platform designed to manage the unique complexities of your cash flows.
Vessel-Specific Accounting: Maintain clear financial separation and control by managing funds in dedicated sub-accounts for each vessel under your management, all within a single platform.
Efficient Crew Payroll: Centralise and streamline your crew payroll through a robust mass payment facility, ensuring your people are paid on time and in full, every time.
Optimise Port Payables: Reduce costs and delays by paying port fees and other local expenses directly in 37+ local currencies, ensuring faster settlement and certainty of the final value received by the beneficiary.
For Global E-commerce
Online sellers must navigate a complex web of international marketplaces, global suppliers, and currency conversions. We introduce you to a solution that simplifies this process and helps you scale faster.
Receive Marketplace Payouts Easily: As a member of the Amazon Payment Service Provider (PSP) program , our partner enables you to receive payouts like a local in 11+ major currencies, including GBP, EUR, and USD, directly into your own named accounts.
Centralise Your Global Funds: Open multi-currency accounts in 29+ currencies to hold your earnings, manage cash flow from different regions, and pay global suppliers from a single, centralised platform.
Streamline Reconciliation: Save valuable time on administration by integrating the payment platform with your accounting software, such as Xero , and downloading statements in MT940 format.
For Charities & NGOs
For non-profit organisations, every cent saved on fees is a cent that can be redirected to maximising global impact. We connect you with financial solutions designed to protect your donations and extend your reach.
Protect Your Donations: Utilise bespoke FX and risk management solutions to shield your donated funds from currency volatility, ensuring that more money reaches the intended cause.
Maximise Your Impact: Access highly competitive FX rates and a cost-effective payment network to save money on transfers, especially when sending funds to beneficiaries in emerging markets.
Grow Your Balances: Benefit from an innovative "Cashback on Balances" feature, which allows the funds you hold in instant-access GBP, USD, or EUR accounts to grow effortlessly.
We believe accessing world-class financial solutions shouldn't be complicated. Our role as your Introducing Broker is to make the process simple and seamless from day one. Here is the straightforward path from our first conversation to empowering your global trade.
1. Request Your Consultation It all begins with one simple action. To start the conversation, please fill in the consultation form available at the bottom of this page or by following the link here: 🔗LINK to Consultation FORM
This form is our crucial first step. After you submit it, we will personally study your responses to understand your unique business needs and assess how we can best support your international operations. Once we have reviewed your information, we will contact you to schedule a consultation at a time that is most convenient for you.
2. Initial Consultation
Once your consultation is booked, we'll connect to understand your unique business, your international payment flows, and the specific financial challenges you face—whether it's currency volatility, high fees, or payment delays.
3. Tailored Solution & Introduction
Based on your needs, we will outline how our global financial technology partner's solutions can solve your specific problems. Once we agree on the value, we will make a direct, personal introduction to the specialist team at our partner firm.
4. Deep-Dive & Strategy Meeting
We will join you in a meeting with our partner's specialists to dive deeper into your requirements. This collaborative session ensures they fully understand your operational needs and can configure their platform to support your business goals.
5. Seamless Onboarding
After all parties agree to move forward, our partner will send the necessary onboarding documentation directly to you. Their process is fast and efficient—often completed in hours for corporate clients—and we are available to assist you at every step.
6. Activation & Dedicated Support
Once onboarding is complete, our partner will activate your account and introduce you to your dedicated dealer. This specialist will be your direct point of contact for managing all your FX transactions, executing trades, and providing ongoing, proactive support.
A: The global financial technology partner, which functions as a financial technology company (FinTech), organizes its offerings around three main service pillars designed to simplify international trade and help businesses succeed in a multi-currency environment:
International Payments and Collections (Cash Management): Solutions that enable clients to move and manage funds securely and efficiently across borders.
Foreign Exchange (FX) Risk Management: Products and strategies offered to mitigate risks associated with currency volatility, protecting a business’s revenue and profit margins.
Business Lending and Trade Finance: Providing clients with necessary working capital and financing options to support international trade and bridge working capital gaps.
A: The international payments and cash management services focus on providing broad currency reach, efficient account structuring, and optimized processing:
Global Currency Reach: The entity possesses payment capability in over 140 currencies or 130+ currencies to more than 160 countries globally. Clients can generally transact in 160+ countries.
Local Payments and Collections: The provider enables businesses to pay globally in over 130 currencies and send funds "like a local" in 37+ currencies, which is typically faster, cheaper, and helps eliminate FX risk for the beneficiary. Global collections are available in 35+ currencies (some documents cite 40+ currencies).
Multi-Currency Accounts: Clients can open Multi-Currency Accounts that allow them to hold, manage, convert, and pay funds from a centralized platform. IBAN accounts are available in 29+ currencies across 20+ jurisdictions. These accounts can be named IBAN accounts in over 20 jurisdictions, allowing clients to receive payments domestically without needing to set up a local entity.
The platform provides a single online platform for clients to manage global cash flows, track payments, and download statements.
Account setup is efficient, often completed in about 14 days.
Payment Infrastructure: The FinTech partner utilizes robust payment infrastructure, including direct access to SEPA and Faster Payments (UK), and is a direct member of SWIFT.
Mass Payments: A specialized solution is available for delivering high-volume, time-critical payments securely and efficiently. This capability is critical for sectors like payroll, insurance, pensions, and shipping. The system boasts a 99.97% on-time payment success rate.
A: The provider helps businesses protect against currency fluctuations that can lead to margin erosion and forecasting difficulty:
Bespoke Hedging Strategies: The entity offers customized hedging strategies in 60+ currencies to mitigate FX risk.
Forward Contracts (Core Product): This is the fundamental hedging tool, consisting of a customized agreement to lock in an exchange rate for a future date. This effectively acts as an insurance policy, providing cost certainty and protecting profit margins.
Types of Forwards include Fixed/Flexi forward contracts, Window forward contracts (which can have a window length of up to 60 months), and Non-deliverable forward contracts (NDFs).
Advanced Tools: In certain jurisdictions, the provider may also offer advanced tools such as Dynamic forward and Structured options (e.g., participating forward, forward extra, range forward), which allow clients to potentially benefit from favorable market movements while still maintaining a protected rate.
Methodology: The provider utilizes a structured six-step framework for designing a risk management strategy: Identify exposure, Establish hedging goals, Design the program, Execute the strategy, Monitor performance, and Review the overall approach.
A: The institutional division focuses on providing bespoke, regulatory-driven solutions specifically tailored for the complex needs of the alternative investments sector, including private equity (PE), venture capital (VC), and hedge funds:
Luxembourg Fund Hub Offerings: For clients setting up entities in Luxembourg, the division offers Luxembourg cash accounts for funds and corporates. Crucially, it provides Blocking certificates required for entity establishment, which can be delivered in as little as 48 hours.
Holistic Global Account Solutions: These solutions match fund requirements for critical transactional activities such as subscription, redemption, operation, or escrow purposes.
Jurisdictional Reach: The institutional division services clients in over 8 fund domiciliation hubs, including key regions like Luxembourg, Ireland, Netherlands, British Virgin Islands (BVI), Cayman Islands, Hong Kong, Singapore, and Cyprus.
A: The goal of the trade and supplier finance offerings is to optimize working capital for businesses engaged in international trade.
Working Capital Provision: The financial technology partner provides working capital to help finance international transactions.
Flexible Solutions: Offerings include flexible solutions like supplier financing and invoice factoring to bridge gaps in working capital.
Repayment Structure: The Trade Finance facility allows for flexible repayment structures of up to 150 days.
A: The provider offers established, tailored solutions for specific corporate verticals known for complex, high-volume international payment requirements:
Industry Vertical
Primary Pain Points & Specialized Features
Supporting Sources
Maritime & Shipping
The solutions are designed to help ship managers control global cash flows. Key features include maintaining vessel-specific accounting via dedicated sub-accounts, managing crew payroll via mass payments, and efficient settlement of port payables. The partner provides a unique combination of currency and payment solutions, FX risk management, and business lending to meet ship managers' needs.
E-commerce
Solutions address the need for integration and automation with accounting systems like Xero. The entity is a member of the Amazon Payment Service Provider (PSP) program and helps manage the high volume of cross-border collections and payments.
Charities & NGOs
Solutions focus on maximizing global impact by protecting donations from volatility and navigating stringent regulatory demands. The provider offers transparent, low-cost cross-border transfers and access to exotic currencies. A potential feature is "Cashback on Balances" for funds held in instant access GBP/USD/EUR accounts.
Global Sports
Services are tailored for high-volume, multi-jurisdictional payment requirements, likely involving mass payments for global events and federations. The geographical concentration of International Sports Federations in Switzerland is highlighted as a specific targeting opportunity.
Agriculture
Solutions are tailored for agribusinesses, addressing needs related to seasonal income, financing heavy equipment, and managing payments to overseas workers. The capability provides flexible trade finance for seasonal operations and specialized FX in African/Asian currencies.
A: The provider emphasizes security, efficiency, and technological integration to offer a superior client experience:
Security and Safeguarding: Client funds are fully safeguarded and held in segregated accounts with Tier 1 banks, completely separate from the operational funds of the FinTech partner. This safeguarding process ensures that ring-fenced funds are protected from creditors in case of insolvency. It is important to note that, as an Electronic Money Institution (EMI), the provider does not fall under the Financial Services Compensation Scheme (FSCS).
Transparency and Cost-Effectiveness: The partner offers competitive exchange rates with complete transparency and upfront pricing, helping clients avoid hidden markups and conversion fees that can erode transaction value.
Technological Integration: The entity provides a robust online platform for 24/7 access and powerful APIs (Application Programming Interfaces) to integrate its capabilities directly into client Enterprise Resource Planning (ERP) and payroll systems, facilitating straight-through processing. Simple file uploads and SFTP host-to-host connectivity are also supported for mass payment instructions.
Dedicated Support: Clients receive support from a dedicated relationship manager and a knowledgeable, proactive team that understands the challenges faced by international trading businesses.
The first step is a simple, no-obligation conversation to understand your business's unique needs. Fill out the form below, and we will contact you within one business day to schedule your free consultation and see if these solutions are the right fit for you.
