Treasury
Multi-currency balances, working capital and stablecoin treasury for trade.
Quick answer
Trade treasury is the discipline of holding the right currency, in the right place, at the right time — between funding a balance in GHS or NGN and settling a supplier in CNY, USD or USDT. These resources cover multi-currency accounts, stablecoin working capital and settlement planning.
Key terms
Multi-currency balance
A business balance that can hold and convert several currencies — funding locally and settling internationally from one place.
Stablecoin treasury
Holding working capital in a stablecoin such as USDT between trades, preserving dollar-equivalent value when local currency or dollar liquidity is constrained.
Settlement window
The expected time between FX approval and funds arriving with the beneficiary — route-dependent and quoted per payment.
Rate lock
Fixing the FX rate at quote time so the trade’s margin survives currency moves between commitment and settlement.
Treasury products
The account and treasury capabilities behind the workflow.
Planning tools
Model costs and timing before committing working capital.
Industry treasury patterns
How different businesses run trade working capital.
Frequently asked questions
Why would a trading business hold USDT?
When local dollar liquidity is constrained or bank FX allocation is slow, USDT preserves dollar-equivalent working capital between shipments and settles same-day where suppliers accept it — subject to compliance review. It is a treasury tool, not speculation.
How do I protect margins from FX moves?
Lock the rate at quote time. KeyBS Pay fixes the FX rate and all-in cost when you commit, so the margin you calculated at order time is the margin you get at settlement.
Can I hold multiple currencies in one account?
Yes — fund in GHS, NGN, KES or ZAR and hold or settle in USD, EUR, GBP, CNY, AED and USDT through partner rails, from a single balance and dashboard.
How should I time payments around settlement windows?
Work backward from when the supplier needs cleared funds: add the quoted route window (for example 24–48h for CNY) to your internal approval time, and schedule the FX commitment accordingly. The Settlement Time Estimator models this per corridor.
Related learning hubs
Put it into practice
Get a corridor-specific quote — verification, FX and settlement in one workflow.