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Solution — Multi-currency Treasury
One treasury layer
across 27 currencies
and stablecoin.
For finance and treasury teams operating across multiple markets: consolidate banking relationships, eliminate trapped working capital, hold and route balances programmatically. The treasury team writes policy. Pockyt executes.
The Shift
Treasury used to be five banking relationships.
Now it can be one API.
A global business operating in 5+ markets has historically meant 5+ banking relationships, 5+ FX desks to call, 5+ reconciliation files, and a treasury team whose full-time job was managing the plumbing instead of optimizing the position. The operating-layer model collapses that.

The multi-bank treasury operation

  1. Open operational bank accounts in every market you sell into
  2. Maintain banking relationships, KYB renewals, and fees at each one
  3. Reconcile balances across them manually, often weekly
  4. Request FX quotes from each bank's trading desk individually
  5. Move money between markets through SWIFT, accepting the spread and the delay
  6. Treasury team's full-time job: keeping the plumbing operational
Result: high overhead, opaque pricing, capital trapped in transit.

The Pockyt treasury operation

  1. One Pockyt account, 11 domiciled markets, 27 fiat currencies + USDC
  2. Balances visible in one ledger, addressable through one API
  3. FX at mid-market with transparent spread, on demand
  4. Move between currencies through API calls or programmable rules
Result: treasury as policy, not as plumbing.
The Pattern
What a Multi-currency Treasury deployment looks like in practice.
Four ingredients regardless of business shape: domiciled virtual accounts, multi-currency balances, FX routing rules, and a ledger that ties it all back together.

01

Open virtual accounts in your operating markets

Real, domiciled bank accounts held in your legal name across the markets that matter to your business. Pockyt operates the underlying infrastructure; you operate the policy.

02

Define your hold-vs-convert policy

Decide what you want to hold locally (operating reserves, FX exposure you're comfortable carrying) and what you want to sweep home (excess, working capital). Express it as rules, not as workflows.

03

Wire FX routing

Configure when and how cross-currency movements happen: mid-market on demand, scheduled rebalancing, threshold-based triggers, hedge against rate conditions. The treasury team owns the policy; Pockyt owns the execution.

04

Reconcile in one ledger

Balances, FX trades, sweeps, deposits, withdrawals — all roll up to a single Pockyt ledger. One export to your ERP or accounting system. One source of truth.

What changes
What an operating-layer treasury frees up.
5+ → 1
Banking relationships
Replace multiple operational accounts across markets with one Pockyt treasury layer.
days → 0
Working capital in transit
Funds collected locally don't wait for correspondent banking before they're usable.
opaque → mid-market
FX pricing
No wholesale rates the merchant never sees. Mid-market quotes with a transparent spread on every conversion.

When this fits
Who gets the most out of Multi-currency Treasury.

Operating across 3+ currencies in flow

The consolidation savings — banking relationships, FX margin, reconciliation overhead — start to compound around the third active currency. Below that threshold, a single operational bank account is usually enough.

Holding meaningful balances across markets

If you're collecting in one currency and spending entirely in another, the case is clear. If you're holding operating reserves in multiple currencies and want them programmable and visible in one place, the case is even clearer.

Crypto-native businesses with fiat obligations

Companies that operate primarily in USDC but need to settle fiat obligations — vendors, payroll-adjacent flows, regulatory commitments — benefit from holding USDC as primary treasury and converting to fiat on demand through Pockyt.

Teams whose treasury function is currently bottlenecking the business

If your treasury team is spending more time managing the plumbing than analyzing the position, the operating-layer model frees them to do the analytical work instead.

One treasury layer. Across the world.

Talk to our team about how Multi-currency Treasury fits into your current finance operation — or replaces it.