What people ask before they rely on it.

SwapEazi builds AI agents for business payouts abroad: before the money moves, the agent works out what is possible and your team decides. A company states the obligation, what has to land, where and by when, and the limits its policy sets. SwapEazi returns a signed Decision Brief: every rail and provider it holds for that pair and size, with access facts, documented capacity, settlement window, all-in cost against an independent reference, FX exposure and timing scenarios where a due date is given, the evidence behind each fact and what is still unknown. A guide, not an adviser: the company decides and executes wherever it chooses. Measuring a single quote or payment is free.

No. The map shows every candidate it holds and marks each inside, outside or unknown against the constraints the company sets itself. Rows are sorted by coverage tier, rail class and name, never by price or by a SwapEazi preference. The company, its treasury system or its authorised agent decides and executes through its own providers.

It says so. Whether a particular entity is eligible with a provider, the partner chain past the first hop, correspondent charges and failure rates until enough payments at that size have been reconciled are listed as unknowns, never guessed. Where a provider publishes nothing at the size, the cost reads unpublished, not an estimate dressed as a fact.

Not for the payer. In trading, MiFID II makes best execution a legal duty, but spot FX, and forwards bought to pay for goods and services, are outside it. What applies to FX payments binds providers: the FX Global Code asks that mark-ups be fair and reasonable, EU rules require the conversion charge to be disclosed as a mark-up over the ECB reference rate before the payment, and the G20 targets total-cost transparency by end-2027. None of them makes the payer verify. SwapEazi supplies that side: a release policy, a verification before release, the options considered, a record at each release and an audit programme. See /standards. This is orientation, not legal advice.

Your bank shows you one price, its own, for the products it sells. It sets the rate, takes the margin and confirms the result, so it is grading its own work. It cannot show you what the market outside it charges at your size, the payout networks, local rails and stablecoin rails that could carry the same payment, or its own mark-up stated in money. SwapEazi does those three things before you release, and keeps a signed record for your auditor. Most teams keep their bank; they negotiate with a number instead of a feeling.

Then the map shows it, with the evidence, and the approval packet records that an independent view existed at release. Nothing has to change: SwapEazi maps the market around the bank, it does not compete with it and it is not paid more if you move.

Through the same signed object. A treasury system calls POST /api/v1/maps and can require a valid map_id before a material release. An agent calls the MCP tools compile_intent, map_options, check_constraints, reconcile_outcome and coverage. An AP2 open mandate or x402 payment requirements can be held to a map without anything being executed.

From the companies and systems that use SwapEazi, never from the money moved or the providers mapped. Measuring a quote or payment is free. A signed Options Map is paid per map, from USD 9 and USD 1.50 at volume, by API, by MCP for agents, or in the Guide. Watching the corridors a company pays on is a monthly subscription. Reconciling what landed against what was expected is quarterly. Continuous corridor benchmarks, provider verification and data licences are priced per organisation. There is no share of volume and no fee from any bank or provider, because either would end the neutrality the verification is worth.

Four ways, none of which needs SwapEazi to hold money or a payment licence. Software: one integration into a treasury system, accounts payable platform or agent runtime puts the assessment in front of every payment its customers release. Policy: once a company adopts a rule that material payments need a map before release, every such payment needs one, the way best execution rules made transaction cost analysis routine. Data: every reconciled payment tightens the expected band for that corridor and size, so each map is better than the last. Agents: every agent payment that crosses a currency needs a price no network can give about itself, and SwapEazi reads the mandate formats of Mastercard, Google and Coinbase the same way.

No. SwapEazi never moves, holds or prices money, takes no FX spread and no referral fees from the providers it scores. Payments are made through the company's own banks and providers. That is what makes the figure independent.

Companies where international flow and FX are material and a small miss is expensive: shipping, logistics, manufacturing, commodities, global technology, marketplaces, professional services, multinational groups, importers and exporters. Also treasury platforms, orchestration layers, neobanks serving companies and agent runtimes that need the same map by API.

No. Every route is scored against the company's own policy (a maximum cost, a settlement time, whether a regulated provider is required) and returned with its status. SwapEazi never ranks a route: the evidence is ours to give and the decision is the company's.

XE and OANDA tell you what a currency is worth. SwapEazi tells you what your payment cost. A rate lookup gives the mid-market rate, the same for any amount; SwapEazi starts from what you sent and what actually arrived, so the bank's margin inside the rate and any charges taken along the chain are both counted. The result is a cost with its margin of error, the market price at your size, what a better route would have kept, and a signed one-page report anyone can re-verify.

Assessing the live rate is sensible, and it is where most finance teams stop. But no business is paid the rate it looks up: the bank's rate sits below it, and the gap is the cost. On a EUR 100,000 payment to South Africa, a 2% gap is about EUR 2,000 that no rate site will show you. SwapEazi turns the live rate into a number: before you pay, how far your quote is above the market at your size; after it lands, what it cost.

For one payment, roughly, if you use the market rate at the time it was paid rather than today's, include what banks along the chain took, and allow for how precisely the rate can be known for thin currencies such as the kwacha or metical. For a year of payments across banks and entities, that is the audit. And a figure you worked out yourself is not evidence to a CFO, auditor, board or regulator; an independent, signed one is.

Both publish widely used rates, and both also run businesses built on currency conversion: XE sells money transfers and OANDA offers trading. That is no fault in their rates, but it means neither is in the business of telling you a provider overcharged. SwapEazi never moves money, offers no trading and takes no referral fees from any provider, so no figure depends on which route you choose.

No. Historical rates from OANDA or XE are used to translate foreign-currency amounts in the books, and they stay fit for that. SwapEazi answers a different question: how much each payment lost in the conversion, and whether that was reasonable for its size and corridor. One is a rate to book at; the other is a cost to manage.

Every cost comes with a margin of error, which is how precisely the reference itself can be known for that currency and day. A cost smaller than its margin is reported as not material rather than as a finding. A figure that cannot be supported is reported as unmeasured, with the reason, never estimated.

The live list is at https://swapeazi.io/corridors, and it only lists currencies SwapEazi can measure. A currency not on the list is reported as unpriced. Some currencies are fixed weekly rather than daily by their publisher; payments in those carry a wider margin of error on the days between fixings.

Cost is what the chain took: the spread in the rate and the fees deducted along the way, measured when it settled. Market movement is how far the rate moved between approval and settlement. SwapEazi reports them separately, because a provider cannot be blamed for the market and a hedge cannot recover a spread.

Every verification before a payment and every reconciliation after it returns a record signed with SwapEazi's key. Anyone holding it, an auditor included, can verify at https://swapeazi.io/api/v1/attestations/verify that SwapEazi issued it and that it has not been altered, free and without an account.

Yes. The reconciliation and the audit read SWIFT MT103 and ISO 20022 pacs.008 messages as your bank exports them, as well as CSV statements. Only the amounts, dates, rates and charges are read. The parties, account numbers and payment descriptions are never read or stored.

In exchange for the free assessment, SwapEazi keeps the anonymised economics of the payments: the currency pair, the month, a size band and the measured cost. There is no company, person, reference, exact amount or exact date. Peer comparisons are only shown over at least five contributions.

Run the free audit at https://swapeazi.io/check on your own payment history. Measuring a single payment is free by API with no key. The plan before a payment, the reconciliation and the full audit need a paid key; prices are at https://swapeazi.io/pricing.

A JSON API your treasury system, ERP or payment platform calls before releasing a payment and again after it settles, and an MCP server for AI agents. Nothing in your payment flow changes: SwapEazi adds a figure, it does not sit between you and your bank.

Your payments are unaffected, because SwapEazi is never in the payment itself. An assessment that cannot be made is simply not made, and the payment goes through your usual approval.