> ## Documentation Index
> Fetch the complete documentation index at: https://docs.rc.cleverhub.co/llms.txt
> Use this file to discover all available pages before exploring further.

# Multi-Currency FX Service

> Manage funds across AUD, JPY, and other currencies with dedicated Treasury Accounts, real-time FX conversion, and on-demand top-up and withdrawal.

Hello Clever’s Multi-Currency FX Service gives businesses operating across Australia and the APAC region a single platform to manage funds in multiple currencies. You get a dedicated [Treasury Account](/platform-overview/clever-concepts/treasury-accounts) per currency, on-demand foreign exchange conversion at real-time rates, and flexible top-up and withdrawal options. This page explains how Treasury Accounts work, how to convert between them, and the cross-border benefits the service delivers.

***

## Multi-currency Treasury Accounts

Instead of holding all your funds in a single account and converting constantly, Hello Clever maintains a separate Treasury Account for each currency you transact in.

<Note>
  Treasury Accounts are available in **AUD**. See [supported currencies](/platform-overview/clever-concepts/treasury-accounts#supported-currencies).
</Note>

<CardGroup cols={2}>
  <Card title="Dedicated account per currency" icon="wallet">
    A business holds a separate Treasury Account for each currency it transacts in. Incoming funds (payins) are automatically credited to the correct account based on the transaction currency.
  </Card>

  <Card title="Centralised fund management" icon="chart-pie">
    View and manage all your currency balances from the Hello Clever Merchant Portal in one place, without needing separate banking relationships for each market.
  </Card>

  <Card title="Flexible fund access" icon="arrow-right-from-bracket">
    Funds in any Treasury Account are accessible at any time. Initiate payouts, convert currencies, or withdraw balances to your bank account whenever your business needs them.
  </Card>

  <Card title="Improved cash flow planning" icon="calendar-days">
    Maintaining local currency balances lets you plan and pay for regional expenses without converting at unfavourable moments, reducing currency risk exposure.
  </Card>
</CardGroup>

<Tip>
  Keeping balances in each currency you operate in reduces your exposure to fluctuating exchange rates and makes it easier to manage local expenses without constant conversions.
</Tip>

***

## Top-up and withdrawal

Hello Clever makes it straightforward to maintain the right balance in each Treasury Account.

<Tabs>
  <Tab title="Top-up">
    Add funds to any Treasury Account on demand through the Hello Clever Merchant Portal. Use top-ups to ensure you have sufficient balance to cover payouts and operational costs in a given currency, even during periods of high outflow.
  </Tab>

  <Tab title="Withdrawal">
    Withdraw funds from any Treasury Account to your nominated bank account at any time via the Merchant Portal. Withdrawals give you direct access to collected revenue without waiting for a scheduled settlement cycle.
  </Tab>
</Tabs>

***

## On-demand FX conversion

When you need to move funds between currencies, Hello Clever’s FX conversion service lets you convert between your Treasury Accounts at any time using real-time exchange rates.

### Key features

<CardGroup cols={2}>
  <Card title="Real-time exchange rates" icon="arrow-left-right">
    Conversions use up-to-date market rates, giving you transparency on the cost of each conversion and helping you optimise the timing of cross-border transfers.
  </Card>

  <Card title="Flexible conversion requests" icon="rotate">
    Convert any amount between supported currencies whenever your operational needs require it, for example moving AUD to JPY to fund a payout to a regional partner.
  </Card>

  <Card title="Cross-border payout support" icon="earth-asia">
    Prepare funds in a recipient’s local currency before initiating a payout, removing the need for recipients to deal with foreign currency transfers.
  </Card>

  <Card title="APAC coverage" icon="map-pin">
    FX conversion supports the currencies used across Hello Clever’s APAC markets, so you can manage multi-country operations from a single platform.
  </Card>
</CardGroup>

***

## Benefits for cross-border operations

<CardGroup cols={2}>
  <Card title="Simplified multi-region management" icon="globe">
    Maintain local currency balances per market and reduce the frequency of FX conversions, lowering both cost and operational complexity.
  </Card>

  <Card title="Improved cash flow visibility" icon="chart-line">
    Centralising funds across Treasury Accounts gives you a real-time view of liquidity in each region, supporting better financial planning and decision-making.
  </Card>

  <Card title="Lower operating costs" icon="circle-dollar-to-slot">
    Competitive FX rates and fewer unnecessary conversions help reduce the overhead of running multi-currency operations, freeing resources for growth.
  </Card>

  <Card title="Compliance-ready" icon="shield-check">
    Hello Clever’s cross-border infrastructure aligns with the regulatory requirements of each market it serves, so your FX activity stays compliant without manual effort.
  </Card>
</CardGroup>


## Related topics

- [FX and Settlement Across AU, JPN, and USA](/platform-overview/payment-concepts/fx-and-settlement.md)
- [Handling AUD, JPY, and USD Payins and Payouts](/platform-overview/payment-concepts/multi-currency-payins-payouts.md)
- [Industry Use Cases](/getting-started/industry-use-cases.md)