Stop Losing Margins on Cross-Border
Accounts Payable.
Aureon Capital combines an AI-driven FX decision engine with institutional global clearing rails to optimize foreign supplier payments. Enjoy transparent tiered rates from 1.0% up to 1.5%, and earn up to 2.75% in balance yield rewards to drive net payment costs toward zero.
Yield Offset & Savings
Calculate Your Yield Offset & Savings
Enter monthly send volume, payout-account balance, and the currencies you send between. The comparison table below updates with these figures.
Tier
Smart FX
1.25% send fee · 2.25% a year on unused balances
Sending fees / year Changing dollars into the currency the supplier company uses at home.
$15,000
Return earned / year What unused cash earns while it sits in your Aureon business account.
$1,350
Saved vs typical bank (incl. AI timing)
$42,162
Typical bank cost / yr
$42k–$60k
USD→EUR FX · Aureon net $11,838
Aureon net / year: $11,838 (send fees + SaaS, minus payout yield and $3,600 AI timing).
Sign UpSending fee
Return on unused balances
Money arrives
Supplier software
The Problem
Legacy Bank Wires vs. Aureon Treasury Platform
| Operational Metric | Legacy Commercial Bank Wires | Aureon Capital Treasury Engine |
|---|---|---|
| All-In Execution FeeThe all-in cost on top of what the supplier should receive. Traditional banks often hide it in a less favorable exchange rate plus wire fees. | 3.5% – 5.0% (hidden markups + wire fees) | 1.0% – 1.5% (volume-based tiered pricing) |
| Operating Cash YieldCash sitting in your Aureon funding account can earn an annual yield reward, similar to interest, which can offset sending fees. | 0.00% (idle balances earn zero) | 1.75% – 2.75% APY yield rewards |
| Net Transaction CostSending fees minus yield earned on unused balances. More unused cash usually means a lower net cost. | High margin loss (3.5%–5% P&L drain) | Net-zero or net-positive (yield offsets fees) |
| Settlement VelocityHow long until the supplier's bank credits the funds. | 2 – 5 business days | Under 30 minutes (24/7/365 clearance) |
| Execution TimingExchange rates move. Sending at a better time can cut cost or put more in the supplier's account. | Blind execution (paid reactively on due dates) | AI timing intelligence (optimized spot execution) |
| Reconciliation EffortTying each payment back to an invoice so the books stay clean. | Manual CSV exports / keying errors | 100% automated ERP write-back |
How It Works
5-Step Treasury Optimization
Connect your books
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Connect NetSuite, QuickBooks, or Xero in under 5 minutes to automatically surface unpaid foreign invoices.
Send at a better time
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Aureon's decision engine analyzes real-time currency markets, vendor terms, and your book data with RAG model analysis to recommend payment patterns that optimize cashflow.
Pay from your US bank
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Approve payments with a single click and fund securely via standard domestic bank transfer methods such as ACH or FedWire.
They get paid at home
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Funds route through our high-speed global clearing network directly into your supplier's commercial bank account in local currency.
Books update. Cash earns.
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Digitally confirmed and signed transfers post back to your general ledger while unallocated balances earn daily yield rewards. We will always know when things get paid.
Platform
Rewarding intelligent payments
Transparent tiered rates
Volume-based pricing from 1.0% up to 1.5%, disclosed before you send.
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Example
Transparent tiered rates
Send $40,000 in a month and you stay on Essential at 1.50%. Cross $50,000 and Smart FX drops the rate to 1.25%. At $250,000, Treasury Lite is 1.00%. The fee is on the quote before you approve, not buried in a worse FX rate.
Balance yield rewards
Earn up to 2.75% APY on retained funding balances to offset software and execution expenses.
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Example
Balance yield rewards
A Smart FX team that keeps a $60,000 operating buffer earns 2.25% APY, about $1,350 a year. That yield applies against the 1.25% send fee and the $149 monthly subscription, so net cost is lower than the headline rate.
Under 30 minute settlement
Funds route through our high-speed global clearing network into the supplier's commercial bank account.
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Example
Under 30 minute settlement
Approve a USD payment at 4:10 p.m. on a Friday. The supplier's commercial bank can credit local currency the same afternoon, instead of a 2 to 5 business day wire that sits until Monday or Tuesday.
Zero vendor onboarding
Overseas suppliers receive a standard local bank deposit. They do not register, set up software, or pay a receiving fee.
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Example
Zero vendor onboarding
Your factory in Ho Chi Minh City does not create an Aureon login or install an app. They get a standard local bank deposit, the same way they receive any other customer payment, with no receiving fee.
Tiered Pricing & Yield-Offset Architecture
| Compare plans | Trial Free Payments and CSV uploads. No ERP bookkeeping. | Essential $49/ mo Emerging importers initiating foreign AP. | Smart FX $149/ mo Mid-market teams with recurring foreign invoices. | Treasury Lite $499/ mo Multi-entity enterprises managing global trade. |
|---|---|---|---|---|
| Monthly subscription | Free | $49 | $149 | $499 |
| Monthly volume band | Under $2,000 | $2,000 – $50,000 | $50,000 – $250,000 | $250,000+ |
| Transaction fee | 1.50% | 1.50% | 1.25% | 1.00% |
| Balance yield reward | 1.00% APY | 1.75% APY | 2.25% APY | 2.75% APY |
| Fee shown before you send | ||||
| Direct send (no ERP required) | ||||
| CSV payment uploads | ||||
| AI payment timing | ||||
| ERP connectors (NetSuite, QuickBooks, Xero) | ||||
| ERP bookkeeping / GL write-back | ||||
| Priority support | ||||
| Dedicated account manager |
Compared with invoice-pay platforms
ERP-connected AP tools, not send-only money apps. Figures follow the calculator above: send volume, payout-account balance, and USD / GBP / EUR corridor. Yield and AI timing are subtracted from send cost when they apply. Not a quote.
Using calculator: $100,000 / mo USD→EUR, $60,000 payout balance. AI timing modeled at 0.30% of annual send volume. Edit calculator
| Provider | FX / send | Platform | AI timingTypical savings from sending at a better FX time instead of on the invoice due date. Modeled at 0.30% of annual send volume on USD/GBP/EUR exchanges, $0 for same-currency sends. Subtracted from send cost like yield. | Yield on payout accountUnused cash in the account you pay from can earn yield, shown as a negative against send cost. Follows the payout-account balance in the calculator. A separate money-market or cash product does not count. | Books | Them / yrEstimated annual FX plus platform cost for the calculator corridor and volume, minus payout-account yield and AI timing ($0 for these providers). | Aureon / yrAureon send cost is the calculator tier fee plus SaaS. Payout yield and AI send timing (0.30% of volume on FX corridors) are subtracted. |
|---|---|---|---|---|---|---|---|
| Typical commercial bank wire Wire fee plus FX markup, often not itemized. | 3.5%–5.0% all-in | Bundled | $0 | $0 | $42k–$60kFX + platform: $42,000–$60,000 Payout yield: $0 AI timing: $0 Total: $42,000–$60,000 / yr | $11.8kSend + plan: $16,788 Payout yield: −$1,350 AI timing: −$3,600 Total: $11,838 / yr | |
| Tipalti Portal onboarding. Per-payment fees sit on top of FX. | About 1.5%–3.5% FX | From $99 / mo | $0 | $0 | $19.2k–$43.2kFX + platform: $19,188–$43,188 Payout yield: $0 AI timing: $0 Total: $19,188–$43,188 / yr | $11.8kSend + plan: $16,788 Payout yield: −$1,350 AI timing: −$3,600 Total: $11,838 / yr | |
| Corpay Enterprise AP. Heavy implementation; vendors often enroll for cards. | Contract FX | Quote-based | $0 | $0 | $18k–$42kFX + platform: $18,000–$42,000 Payout yield: $0 AI timing: $0 Total: $18,000–$42,000 / yr | $11.8kSend + plan: $16,788 Payout yield: −$1,350 AI timing: −$3,600 Total: $11,838 / yr | |
| BILL Strong on US bills. Cash yield is a separate product, not the payout account. | Local-currency or $19.99 wire | $49–$89 / user / mo | $0 | $0 | $18.6k–$43.1kFX + platform: $18,588–$43,068 Payout yield: $0 AI timing: $0 Total: $18,588–$43,068 / yr | $11.8kSend + plan: $16,788 Payout yield: −$1,350 AI timing: −$3,600 Total: $11,838 / yr | |
| Airwallex SWIFT often $15–$35. Yield is a separate money-market, not the payout account. | 0.5% majors, 1.0% other | Free–$399 / mo | $0 | $0 | $6,000–$14.4kFX + platform: $6,000–$14,388 Payout yield: $0 AI timing: $0 Total: $6,000–$14,388 / yr | $11.8kSend + plan: $16,788 Payout yield: −$1,350 AI timing: −$3,600 Total: $11,838 / yr | |
| Aureon Capital Yield on the payout account, plus AI send timing on FX corridors. Same-currency sends are the monthly plan only. | 1.00%–1.50% disclosed | Free under $2k / mo | −$3,600 | −$1,350 | — | $11.8kSend + plan: $16,788 Payout yield: −$1,350 AI timing: −$3,600 Total: $11,838 / yr |
Corpay and BILL FX use typical mid-market roundup bands. Implementation, per-payment extras, and SWIFT fees are excluded. Same-currency sends (USD→USD, GBP→GBP, EUR→EUR) are Aureon’s monthly plan fee only — no percent of volume. Yield follows the calculator payout balance. AI timing is 0.30% of annual send volume on FX corridors and $0 for same-currency. Not a quote.
The Net-Zero Unit Economics Model
A Smart FX client processes $100,000/month ($1.2M/year) in supplier invoices and maintains an average operating buffer of $60,000.
- Gross transaction fees (1.25%)$15,000 / year
- Annual SaaS subscription ($149/mo)$1,788 / year
- Balance yield earned (2.25% APY on $60k)+$1,350 / year offset
- Effective annual platform cost$15,438
Saves over $38,500 annually compared to traditional 4.5% bank FX fees.