Conversion exists to get from collection to payroll, vendors and local payout.
Treasury teams often compare a payments account to an FX brokerage. They are different products. BREADX FX sits on the same business account as collection and payout.
Collect in one currency, hold a balance, convert when you need to pay or hold in another currency, then send on a local rail where the corridor supports it. The point is operating cash flow — payroll, suppliers, refunds, intra-group funding.
It is not a margin account, not a forward book sold as a standalone service on this site, and not a promise of a public retail rate. Spreads and available pairs follow the live programme.
Conversion only helps if the paying rail in the destination is usable. Account FX is built to sit next to SEPA, Faster Payments, Noord-Amerikan local credits and other enabled rails — not to leave the company with a converted balance it cannot send.
Related: Foreign exchange.