Real-time exchange rates for 150+ currencies, updated every minute via a free public API.
The mid-market rate is the midpoint between global buy and sell prices for a currency — the "real" rate without bank markups. Services like Wise use the mid-market rate and charge a transparent fee on top. Traditional banks embed a 2–5% markup invisibly in the exchange rate shown.
If you pay international contractors or import goods, a 5% move in exchange rates on a $100k contract equals $5,000 gained or lost. Consider timing larger FX transactions around scheduled Fed announcements, which often cause USD volatility.
FX is only one part of international operations. VAT, pricing, and cross-border founder workflows create the next layer of complexity.
If your business works across currencies, you likely also need sharper planning around compliance, offers, and region-specific founder decisions.