Your business clients convert currency when they have to, at whatever rate is offered, with no strategy and no context. The result? FX costs buried in bank spreads, wire fees, and unfavourable conversion rates – quietly eroding the margins they worked hard to build.
What’s going unaddressed:
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The industry treats a startup’s first overseas hire the same as a $20M importer managing quarterly supplier payments. Cosmos doesn’t.
In practice:
An Irish technology company collecting USD revenue from US, Canadian, and African clients converts to both GBP and EUR to fund UK and European operations. Cosmos monitors USD/GBP and USD/EUR on their behalf — alerting them when rates align with their budget, eliminating last-minute conversions, and choosing the optimum payment rail to avoid unnecessary intermediary charges.
Estates with overseas assets routinely face significant, avoidable losses at the point of currency conversion. Executors are experts in the law. They shouldn’t have to be experts in foreign exchange — but at the moment of conversion, they’re handed a bank rate and left to manage it alone.
What’s going unaddressed:
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Every estate — straightforward property sale or complex multi-asset settlement — deserves expert guidance, not a DIY portal.
School fees in Europe, property costs in the UK, distributions to family members abroad — handled piecemeal across different providers with no consolidated view and significant hidden cost accumulating across dozens of transactions a year. Even private bank currency services rarely deliver the proactive, personalised oversight a global family genuinely needs.
What’s going unaddressed:
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A family office’s job is to make complexity manageable. Cosmos makes the currency piece straightforward.
whose clients have international suppliers, customers, or operations
managing FX exposure for growth-stage and mid-market businesses
handling international assets and cross-border beneficiaries
overseeing global lifestyle and distribution payments
from first overseas hire to established importers managing millions in annual FX
for personalised support for life’s cross-border financial moments
Every Cosmos client works with a dedicated currency specialist who understands their situation — their obligations, timelines, currencies, and risk tolerance. When something changes in the market that matters to them, a real person reaches out. That’s not how banks work. It’s how Cosmos works.
The standard model waits for your client to initiate a transaction. Cosmos monitors the market and alerts them when rates reach levels that align with their goals, budgets, and payment timelines — so they act from a position of knowledge, not necessity.
Sending a SWIFT payment typically costs $50 in transfer fees, plus up to 0.15% taken by intermediary banks — on a $200,000 payment, that’s $350 in charges before the money arrives, plus 3–5 business days of delay. Most clients have no idea, because the fees are fragmented and opaque.
Cosmos clients have access to seven local collection accounts, enabling payments to be made and received as domestic bank transfers — in the local currency, with none of the SWIFT overhead:
🇬🇧 United Kingdom   🇪🇺 European Union   🇺🇸 United States   🇨🇦 Canada  🇦🇺 Australia   🇸🇬 Singapore   đź‡đź‡° Hong Kong
No SWIFT fees. No delays. No complexity.
Not every payment is the same. Cosmos advises on which combination of spot trade, forward contract, limit order, or local transfer best fits the specific situation — so clients make informed decisions, not default ones.
Cosmos only works with FCA-authorised platforms. While funds are in the US, they are held with a tier-one US bank under standard US banking regulations. Once transferred to Cosmos’s FCA-regulated partner in London, they are held in a fully segregated client account — protected under UK FCA client money rules.
Unlike FDIC insurance, which caps deposit protection at $250,000, there is no upper limit on the protection of client funds held through Cosmos and its regulated partners. Your clients’ money is never pooled with operational funds — at any stage of the process.
Security is not a selling point. It’s a baseline.
When your clients have international currency needs, you can introduce them confidently — knowing they’ll receive expert, personalised guidance that protects the relationship you’ve built.
Cosmos operates a formal referral partnership programme for US-based advisors. You receive a referral fee for every client you introduce, backed by a straightforward referral agreement — clearly, professionally, and in writing. A simple introduction is all it takes. Cosmos handles everything from there.
A no-obligation conversation to understand your client’s currencies, obligations, and timelines. No account required.
Your Cosmos specialist outlines the approach that best fits the situation — payment structures, timing strategies, and the right payment rails.
Applying to open a Cosmos account takes less than five minutes. No setup fees. No costs until the account is used for a transaction.
Cosmos monitors the markets, alerts clients to opportunities, and acts when the moment is right — for this transaction and every one that follows.
Takes 2 minutes. Reviewed personally. No obligation.
