How We Work

From first statement to standing mandate.

Four steps, in order. The first costs nothing and commits you to nothing. The last is a dealer who knows your book.

§ I — The Four Steps

What happens, and when.

01 · Review

Twelve months of statements.

Send us twelve months of foreign-exchange activity from each account that sends or receives foreign currency: the wires, the conversions, the fees. We reconstruct every trade against the interbank rate on the day it was done and put one number on what the bank kept.

You receive a one-page memo: the number, how it was arrived at, and what the same trades would have cost through the desk. Most reviews are returned the next business day.

02 · Map

Your exposure, by date.

If the number is worth acting on, we map the exposure: every foreign-currency payable, receivable and balance, by currency and by month, for the next twelve. It is built from your payables and receivables aging and your budget, not from a questionnaire.

You receive the map on one page, and a first view of how much of it is worth hedging.

03 · Policy

Written, and board-ready.

From the map we draft a hedging policy: hedge ratios by tenor, the instruments allowed, who may trade and up to what, and what triggers a change. You take it to your board; we present it if that helps. Nothing is traded until it is approved.

You receive a one-page policy your board can approve and your auditor can follow.

04 · Execute

One dealer, one line.

Onboarding takes twenty-four hours once your documents are in and identities are verified. Then the desk executes inside the policy: spot as invoices fall due, forwards as the calendar requires, confirmations within minutes. Each quarter we review the map, the policy and the trades together.

You receive a dealer who knows your book, and a quarterly review with the board pack.

§ II — The Cost Review

What the review reads, and what it returns.

What we need

Twelve months of statements from each account that sends or receives foreign currency.
The foreign-exchange confirmations, if your bank issues them.
A list of the currencies you deal in and a rough annual volume.
Nothing else. No access to your accounts, no software to install.

What you receive

The total margin paid inside the rate, trade by trade.
The wire, intermediary and receiving-bank fees, added up.
What unhedged exposure cost, or earned, over the year.
The same trades priced through the desk, side by side.
No fee, and no obligation.

Statements are never sent through this website. When you request a review, your dealer replies with a secure way to send them.

§ III — Becoming a Client

Onboarding, in plain terms.

Titan Exchange Group Inc. is a money services business registered with FINTRAC, and every client is identified before a first trade. It is the same check your bank ran when you opened an account, done once, by people who will remember your name.

We ask for articles of incorporation, proof of business address, identification for the directors, beneficial-ownership information for anyone who owns or controls twenty-five percent or more of the company, and a signed client agreement.

The client agreement sets out how funds are held and settled, how the desk is paid, and how a dispute would be resolved. We walk through it with you before you sign, and it is written to be read.

What to have ready

Articles of incorporation.
Proof of business address.
Identification for directors, and beneficial-ownership information for owners of twenty-five percent or more.
The signed client agreement.

Onboarding takes twenty-four hours once documents are in. How the firm is regulated

§ IV — Questions

Asked often, answered plainly.

How is the desk paid?

By a margin on each trade, agreed before you trade and shown on every confirmation. There are no account fees, no subscriptions, and no charge for the cost review.

ii.

Is there a minimum?

The desk is built for companies with a few million dollars of annual exposure, but the conversation is the same size whatever the book.

iii.

Who holds my money?

Client funds are held separately from the firm's own, and how they are held and settled is set out in the client agreement and on the Regulatory page. Nothing is held longer than settlement requires.

iv.

Do you trade against your clients?

No. The desk covers each client trade in the interbank market. Its interest is the margin agreed with you, not the direction of the market.

What happens when a forward matures?

You deliver the currency you sold and receive the currency you bought, at the rate agreed, on the date agreed. If an invoice slips, a forward can usually be rolled, or a window forward chosen at the outset so the date has room.

vi.

Can you replace my bank?

For foreign exchange and international payments, yes. Your operating accounts stay where they are; the currency simply stops going through them at the bank's rate.

vii.

How quickly can I trade?

Once onboarded, a quote is a message away. Onboarding takes twenty-four hours from the day your documents arrive.

viii.

What if the market moves after we hedge?

Then the hedge did its job in one direction or the other. A hedging policy is not a forecast. It removes the range of outcomes your board has decided the business cannot afford.

Begin with the review.

Twelve months of statements, one number, no charge.

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