FX & treasury

Convert with certainty. Lock the rate first.

Convert local-currency proceeds at the point of payment or in bulk into USD, EUR, GBP, CAD, AUD, NZD, CHF, USDC or USDT — with a quote token that holds the rate until you execute.

Contact sales Treasury docs

9 hard currencies
Rate lock with a quote token

Treasury · balances by currency

BRL3.42M3,420,118.40
MXN8.91M8,905,332.10
COP912M912,450,000
ARS249M248,901,220

USD balance

USD 4.97M

USD 4,971,203.18

Converted today · 4 pairs

+ USD 312,400.00

Local balances stay available for payouts; convert to USD with a locked rate when you need to.

Hard currencies: USD, EUR, GBP, CAD, AUD, NZD, CHF, USDC and USDT: 9
Dollar stablecoins you can convert into, alongside fiat: USDC · USDT
Rate lock by quote token: the exchangeRateToken holds the rate until it expires: Locked
Markets with published FX hours: 13

Capabilities

Two ways to convert: on the payment, or between your accounts.

Convert when the payment happens, or convert balances between your own accounts in bulk when it suits your treasury plan.

FX on payment
Quote and convert when the payment happens, so collections land in the currency you settle in.
Bulk exchange
Convert balances between your own accounts in a single request, when it suits your treasury plan.

Money flow

Lock a rate, convert, move the funds

Ask for a quote, accept it before it expires and the conversion runs at the quoted rate.

1
Your platformLocalpayment:
1Request a quote
Pair and amount, local currency to a hard currency or the other way round.
2
LocalpaymentYour platform:
2Quote token with expiry
The rate is locked for the time the quote is valid.
3
Your platformLocalpayment:
3Accept the quote
Send the token; conversion runs within local market hours.
4
LocalpaymentYour treasury:
4Funds move between balances
Credit to your hard-currency balance, ready to withdraw.
5
LocalpaymentYour platform:
5Confirmation and report
FX appears itemized in your reports.

Illustrative flow. Available currencies and market hours depend on the country.

Rate lock

Quote, lock, execute — no surprises

The rate you see is the rate you get, as long as you execute before the quote expires.

Quote
Call the FX quote endpoint for a pay-in, a payout or a currency exchange.
Lock
The response returns the rate, an exchangeRateToken and its expirationDate.
Execute
Send the token with your transaction before it expires to convert at the locked rate.
Confirm
A CurrencyExchange webhook confirms the conversion and your balances update.

Hard currencies

Settle in USD, EUR and other hard currencies.

Keep what you collect in local currency, or convert it into the hard currency your business reports in: USD, EUR, GBP, CAD, AUD, NZD, CHF, or the dollar stablecoins USDC and USDT.

Fiat: USD, EUR, GBP, CAD, AUD, NZD and CHF
Stablecoins: USDC and USDT
Direction: between local and hard currencies
Rates quoted at current market conditions

FX overview

Total balance

USD 4,971,203.18

▲ 8.3%

USDUS Dollar1,284,560.00+4.2%
BRLBrazilian Real3,420,118.40+12.8%
MXNMexican Peso8,905,332.10+6.1%
COPColombian Peso912,450,000+3.4%
ARSArgentine Peso248,901,220.55+9.7%

Market hours

Conversion runs within local market hours

FX executes during each country’s operating window, so rates reflect a live local market.

Argentina
Currency
ARS
FX window (local time)
10:00–14:30
Bolivia
Currency
BOB
FX window (local time)
08:30–17:00
Brazil
Currency
BRL
FX window (local time)
10:00–12:30
Chile
Currency
CLP
FX window (local time)
08:30–13:30
Colombia
Currency
COP
FX window (local time)
08:00–12:30
Costa Rica
Currency
CRC
FX window (local time)
08:00–16:00
Dominican Republic
Currency
DOP
FX window (local time)
09:00–14:30
Guatemala
Currency
GTQ
FX window (local time)
08:00–16:30
Honduras
Currency
HNL
FX window (local time)
08:00–15:00
Mexico
Currency
MXN
FX window (local time)
08:00–15:30
Panama
Currency
USD
FX window (local time)
08:00–15:00
Paraguay
Currency
PYG
FX window (local time)
08:30–12:30
Peru
Currency
PEN
FX window (local time)
09:00–13:00

Country	Currency	FX window (local time)
Argentina	ARS	10:00–14:30
Bolivia	BOB	08:30–17:00
Brazil	BRL	10:00–12:30
Chile	CLP	08:30–13:30
Colombia	COP	08:00–12:30
Costa Rica	CRC	08:00–16:00
Dominican Republic	DOP	09:00–14:30
Guatemala	GTQ	08:00–16:30
Honduras	HNL	08:00–15:00
Mexico	MXN	08:00–15:30
Panama	USD	08:00–15:00
Paraguay	PYG	08:30–12:30
Peru	PEN	09:00–13:00

Business days. Requests outside these hours are processed in the next session. Quotes are valid until the expiration date returned with the token.

Outcomes

Why treasury teams use Localpayment

Centralized liquidity
See and manage balances across markets from one account.
Faster redistribution
Move funds between countries and accounts without opening new banking relationships.
Predictable costs
Lock the rate before you commit, so the rate you plan with is the rate you get.
One platform
Collect, convert and pay out on the same integration, with the same reports.

For developers

Quote and convert in two calls

Request a quote for the flow you need, keep the exchangeRateToken, and send it with the conversion before its expirationDate. Every call uses a Bearer token.

GET /api/fx/currency-exchange/{payin|payout|CurrencyExchange}
POST /api/currency-exchange for bulk conversion
POST /api/internal-transfer to move funds between accounts

Lock an exchange rate

# 1) Quote — illustrative parameters, see docs.localpayment.com
curl -G https://api.stage.localpayment.com/api/fx/currency-exchange/CurrencyExchange \
  -H "Authorization: Bearer $ACCESS_TOKEN" \
  --data-urlencode "sourceCurrency=BRL" \
  --data-urlencode "quoteCurrency=USD" \
  --data-urlencode "accountNumber=<your-BRL-account>" \
  --data-urlencode "quoteAccountNumber=<your-USD-account>"
# → { "exchangeRateToken": "fxq_7Qk2...", "expirationDate": "2026-09-30T11:05:00-03:00", "quotes": [ ... ] }

# 2) Convert at the locked rate before it expires
curl -X POST https://api.stage.localpayment.com/api/currency-exchange \
  -H "Authorization: Bearer $ACCESS_TOKEN" \
  -H "Content-Type: application/json" \
  -d '{
    "externalId": "b1d2c3e4-0000-4000-8000-000000000077",
    "country": "BRA",
    "currency": "BRL",
    "exchangeRateToken": "fxq_7Qk2...",
    "account": {
      "debited": { "currency": "BRL", "accountNumber": "<your-BRL-account>", "amount": 250000.00 },
      "credited": { "currency": "USD", "accountNumber": "<your-USD-account>" }
    }
  }'

Use cases

Treasury flows by industry

Balances & transfers

See what you hold. Decide how to move it.

Check your balances in the Business Portal or via the balance API, then move funds between your own accounts.

Internal domestic transfer
Move funds between your accounts in the same country and currency.
Internal foreign transfer (same currency)
Move funds across countries in the same currency, without new banking relationships.
Low-balance alerts
Set a threshold per account and get notified before a balance runs short.

Frequently asked questions

Which currencies can I convert to?

Local-currency balances can be converted into USD, EUR, GBP, CAD, AUD, NZD, CHF, USDC and USDT.

Is FX available 24/7?

No. Conversions run within each local market’s hours — for example 10:00–12:30 in Brazil, 08:00–15:30 in Mexico and 10:00–14:30 in Argentina, local time.

How long is a quote valid?

Each quote returns an exchangeRateToken with an expirationDate. Execute before it expires to get the locked rate; after that, request a new quote.

Can I convert from a hard currency into local currency?

Yes. FX runs between local and hard currencies in both directions, for example USD ↔ BRL or EUR ↔ MXN.

What is the difference between domestic and foreign internal transfers?

A domestic transfer moves funds between your accounts in the same country and currency. A foreign transfer moves funds across countries in the same currency.

Is there a minimum or maximum amount per conversion?

Limits depend on the country and your account configuration. Talk to sales for the limits that apply to your flows.

How is the FX rate shown in my reports?

Each conversion is itemized with the rate applied, the local-currency amount and the hard-currency amount, in the Business Portal and in the activity API.

Convert with certainty. Lock the rate first.

Two ways to convert: on the payment, or between your accounts.

FX on payment

Bulk exchange

Lock a rate, convert, move the funds

Quote, lock, execute — no surprises

Quote

Lock

Execute

Confirm

Settle in USD, EUR and other hard currencies.

Conversion runs within local market hours

Why treasury teams use Localpayment

Centralized liquidity

Faster redistribution

Predictable costs

One platform

Quote and convert in two calls

Treasury flows by industry

SaaS

Remittances

Advertising platforms

B2B & high-value

See what you hold. Decide how to move it.

Internal domestic transfer

Internal foreign transfer (same currency)

Low-balance alerts

Frequently asked questions

Also on the same API

Reporting & reconciliation

Stablecoin rails

Payouts

Coverage

Payment methods directory

Developer quickstart

Put your treasury to work

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