Eliminate FX risk from
your future obligations.
Crescit Pay uses AI to identify, quantify, and neutralise foreign exchange exposure in your forward commitments — before it costs you. No speculation. No surprises. Just protection.
Live Exposure Monitor
AI Active
AI hedge executed
Gross exposure
Residual risk
GBP / USD$450k · Jun 15Hedged ✓
EUR / GBP€290k · Jul 02Pending
USD / JPY¥58m · Jul 28Exposed
AI scanning 47 obligations — 2 exposures flagged
The Platform
FX risk, identified and eliminated
before it hits your books.
Crescit Pay scans your forward obligations in real time, quantifies exposure across every currency pair, and executes mitigation automatically. It replaces the guesswork with a single, clear picture of what you owe, what you're covered for, and what's still at risk.
Exposure & Forecasting
Know your exposure
before your bank does.
Connect your payables, receivables, and forward commitments. Crescit Pay builds a live FX pipeline across your business, flags uncovered positions, and shows you exactly where risk is building — by currency, value date, and counterparty.
- 180+ currency pairs, live rates
- 90-day ML cash flow forecast with confidence intervals
- Unhedged exposure calculated automatically
- Integrates with Sage, SAP, Xero, QuickBooks, NetSuite and more
FX Pipeline — Live
AI Active
GBP / USD£1.2m · Jun 15Hedged ✓
EUR / GBP€340k · Jul 02Partial
USD / JPY¥28m · Jul 28Exposed
3 uncovered positions flagged — mitigation strategies ready
What you can do with it
The tools to act on what you find.
Once Crescit Pay identifies a risk, the platform gives your team everything needed to close it:
Forward Deal Management
Book and track FX forwards directly against your pipeline, with hedge cover updated automatically as deals are executed.
Bank Feeds — 12,000+ Banks
Connect accounts at over 12,000 banks worldwide via TrueLayer (UK & Europe open banking) and Plaid (US & international). Settled deals reconcile against real cash flows automatically — no manual uploads, no spreadsheets.
FX P&L Report
Full realised and unrealised P&L breakdown across every open and closed position. Know exactly what your hedging programme has earned or cost — by currency pair, by period, by counterparty — and reconcile it directly against your management accounts.
Rate Alerts & Target Orders
Set a target rate and walk away. Crescit Pay monitors the market 24/7 and executes your hedge automatically the moment your rate is hit — so you never miss a window because you were in a meeting.
Automated Hedge Policies
Define your hedging rules once across three trigger types — coverage ratio thresholds, rate thresholds, and time-based triggers — with configurable coverage ratios per currency pair. Policies execute daily via Cloud Function, so exposure above your threshold triggers a hedge automatically, 24 hours a day, without human intervention.
Mark-to-Market Valuation
Full CIP-based portfolio MTM across all counterparties — not just the deals you executed through Crescit Pay. Import positions from any bank or broker and see NPV-discounted valuations with per-deal P&L attribution. Black-Scholes for vanilla options, Monte Carlo simulation for TARFs. Your complete book, valued in real time.
Cross-Border Payments
Full payments module with beneficiary management and payment lifecycle tracking. Execute via SWIFT, SEPA, Faster Payments, and ACH — all linked directly to your pipeline obligations so every payment is automatically matched against the exposure it settles. No separate payments platform needed.
Advanced Capabilities
Intelligence built in.
Not bolted on.
Crescit Pay goes beyond hedging. The platform runs the same analytical processes a dedicated treasury team would — forecasting, pattern detection, valuation, and payments — automatically, continuously, and without manual intervention.
AI Forecasting
90-Day Cash Flow Forecasting
Prophet-based machine learning builds a 90-day exposure forecast per currency pair, complete with confidence intervals and scenario analysis. Know not just what you're exposed to today — but what's coming over the next quarter, with best, base, and worst-case scenarios modelled automatically.
Stop being surprised by FX losses. Plan hedges weeks before the obligation crystallises.
Pattern Intelligence
Recurring Payment Pattern Detection
The AI analyses your full transaction history to identify recurring FX payment patterns — seasonal supplier cycles, regular cross-border payroll, repeat contract structures. Recurring risk gets flagged before it recurs.
Turn historical data into proactive risk management. Stop re-discovering the same exposures every quarter.
P&L Management
FX Budget Rates
Set your budget FX rates at the start of the financial year and track performance against them in real time. Crescit Pay shows you exactly where actual rates are running ahead of or behind budget — by currency, by month, by business unit.
Give your CFO and board the FX P&L visibility they need without building it manually in Excel.
Scenario Analysis
What-If Builder
Model hedge ratio scenarios side by side before committing. Compare coverage at 50%, 75%, and 100% — or at different forward rates — and see the P&L impact of each scenario instantly. Built for treasury teams that want to stress-test their strategy before executing it.
Stop guessing at the right hedge ratio. Model it, compare it, then execute with confidence.
Coverage Analytics
Hedge Coverage Tracker
Real-time hedge coverage ratio by currency pair, entity, and maturity bucket. See at a glance whether you're on-policy, under-hedged, or over-hedged across your entire book — with drill-down to the individual deals driving each position.
Never be caught off-policy. Know your coverage ratio at any moment, without running a report.
Professional Treasury Tools
The depth your finance
team actually needs.
Crescit Pay isn't a simplified FX tool — it's a complete professional treasury platform. Every feature your treasury team would build in Excel or pay a specialist consultant to run is built in, automated, and audit-ready.
FX Book — Multi-Counterparty
Aggregate and value your entire FX position across every bank and broker you trade with. Import external deals from any counterparty to build a single consolidated book — then run portfolio-level MTM across all of them simultaneously.
External Deal Import
Already trading FX with your bank or another broker? Import those positions directly into Crescit Pay. Value them on our rates, run effectiveness tests against them, and see your true net exposure — regardless of where the deal was executed.
Implied Margin Analysis
See exactly what margin your bank or broker is embedding in the rates they're quoting you. Crescit Pay compares their executed rates against mid-market at the time of deal — so you know precisely what you're paying for every deal, every time.
5-Level Automation Modes
Five distinct automation settings from Plan (identification only) through to Auto-hedge (fully automatic execution). Set the level that matches your treasury policy and risk appetite — and change it per currency pair, per entity, or globally. You control how much the platform does for you.
Cost-of-Not-Hedging Analysis
Quantify what unmanaged FX exposure has cost your business historically — and what it would cost under current market conditions. A powerful internal justification tool for finance teams making the case for systematic hedging to their boards.
Board Report & PDF Export
Generate board-ready treasury reports in one click. Exposure summary, hedge coverage ratios, MtM valuations, cost-of-hedging analysis, and IFRS 9 status — formatted as a professional PDF your CFO can present to the board without editing a single cell.
Complete Audit Log
Every action on the platform — every rate alert triggered, every hedge executed, every approval granted or declined, every policy change — is recorded with timestamp, user, and full context. Immutable, exportable, and ready for your internal audit team or external auditors on demand.
ERP Writeback
Close the loop between Crescit Pay and your accounting system. Journal postings for executed hedges write back directly to your ERP — Sage, Xero, or NetSuite — so your books reflect the hedge accounting treatment automatically, with no manual journal entries required.
Group Netting
Consolidate offsetting exposures across group entities before hedging. Intercompany positions are netted at group level first — reducing the gross notional you need to hedge and cutting transaction costs significantly for multi-entity businesses.
Compliance & Reporting
Every obligation met.
Every report automated.
Regulatory compliance is not optional — and for treasury teams it's relentlessly time-consuming. Crescit Pay automates the full compliance and reporting stack: hedge accounting under both IFRS and UK GAAP, derivatives reporting, policy documentation, and audit-ready outputs — all generated automatically, without manual effort.
EMIR Reporting
UK and EU derivatives trade reporting under EMIR. Crescit Pay generates the required trade reports for OTC derivative transactions — forward contracts and options — automatically, reducing the compliance burden on your finance team to near zero.
Policy Generator
Auto-generates your FX hedge policy document from your platform configuration. Coverage ratios, approved instruments, approval thresholds, and reporting obligations — all captured in a board-ready policy document that updates automatically when your settings change.
VaR & Stress Testing
Value-at-Risk calculations and stress test scenarios across your FX book. Model the P&L impact of adverse rate movements — 1%, 5%, 10% shocks — across all open positions and currencies simultaneously. Essential for board risk reporting and treasury policy review.
Scheduled Email Reports
Configure automated report delivery on your schedule — daily exposure summaries, weekly hedge coverage updates, monthly board packs. Reports land in your inbox without anyone having to log in and run them manually. Your CFO stays informed automatically.
Excel Export
Every report, every dataset, every valuation — exportable to Excel with a single click. For finance teams that need to work with data in their own models or present to stakeholders who expect spreadsheets, Crescit Pay never locks your data inside the platform.
ISDA & Counterparty Exposure
Track counterparty credit exposure across all your ISDA counterparties in real time. See gross and net exposure per bank or broker, monitor concentration risk, and set internal limits — so you always know your counterparty risk position without a manual calculation.
Enterprise-Ready
Built for how
your business
actually works.
Mid-market businesses aren't simple. You have subsidiaries, approvals chains, multiple finance team members, and auditors who expect documentation. Crescit Pay is structured to match your organisation — not the other way around.
And when your AI needs to explain what it's doing, it does — in plain English. The Forecast page generates natural language treasury summaries: what's exposed, what's covered, and what needs attention. No rate predictions. No noise. Just operational clarity.
01
Multi-Entity Org Hierarchy
Parent/subsidiary structures fully supported with group netting runs across entities, approval thresholds by entity, and per-entity base currency settings. Consolidated exposure view at group level for your Group Treasurer — with full drill-down to individual entity positions. No more copy-pasting data between entity spreadsheets.
02
Role-Based Approvals
Five-tier permission structure — Admin, Approver, Trader, Viewer, and a dedicated Auditor role with time-limited read-only compliance access. Approval chains are multi-level, threshold-based, and currency-specific — a £500k USD hedge can require a different sign-off path than a £50k EUR forward. Full audit trail on every action.
03
AI Narrative Summaries
Every forecast page includes a plain-English summary generated by AI — what your current exposure looks like, which positions need attention, and what the platform has done since your last login. Treasury intelligence, without the jargon.
04
12,000+ Bank Connections
Via TrueLayer for UK and European open banking and Plaid for US and international accounts, Crescit Pay connects to over 12,000 financial institutions worldwide. Wherever your cash sits, the platform sees it — and reconciles against it automatically.
AI in Action
See Crescit Pay at work.
Our AI surfaces exposures buried in your contracts and turns them into an actionable mitigation plan — instantly.
Crescit AI
GBP/USD forward obligation detected across 4 supplier contracts
Recommended hedge: 3-month forward cover at 1.2741
Estimated saving vs unhedged position: $47,200
Recommended hedge: 3-month forward cover at 1.2741
Estimated saving vs unhedged position: $47,200
Exposure vs Mitigated Position
Live
Hedged
£920k
Residual risk
£280k
Coverage
76.7%
Exposure vs residual risk — 120-day window
Obligation mapping across your contracts
Hedge Execution Log
3 deals today
GBP/USD Forward
£450,000 · Rate: 1.2741 · Matures Jun 15
✓ Booked
EUR/GBP Forward
€180,000 · Rate: 0.8642 · Matures Jul 02
✓ Booked
USD/JPY Forward
¥58,000,000 · Rate: 148.62 · Matures Jul 28
Pending
£630k hedged today · £280k residual exposure flagged for review
Hedge performance tracking
Our Mission
Built on transparency,
delivered with integrity.
Crescit Pay was founded on a simple belief: no business should lose money because of currency movements in their future obligations. We don't predict markets — we eliminate the risk entirely, so FX movements become irrelevant to your bottom line.
Every exposure we identify is fully explained. Every hedge we execute is auditable. You stay in control at every step, with complete visibility into how your obligations are protected.
180+
Currency pairs covered across global markets
12,000+
Banks connected via TrueLayer & Plaid open banking
End-to-End Treasury Platform
From exposure identification through hedge execution, payments, IFRS 9 compliance, board reporting, and audit trail — Crescit Pay replaces a full treasury team's manual workflow in a single platform.
Exposure Overview
AI Active
GBP / USDExposure: £1.2mHedged ✓
EUR / GBPExposure: €340kHedged ✓
USD / JPYExposure: ¥28mPending review
AI has neutralised £1.54m of exposure across 6 forward obligations this month
Integrations
Connects with the tools
your team already uses.
Crescit Pay plugs directly into your existing accounting and procurement stack — no manual data entry, no spreadsheet exports, no disruption.
Sage
Accounting
SAP
ERP
QuickBooks
Accounting
Xero
Accounting
Procurify
Procurement
More coming
Via API
Get in Touch
Let's talk about
your treasury.
Whether you'd like a guided demo, have a question about the platform, or want to discuss your specific FX setup — fill in the form and we'll be in touch to arrange a conversation.