If you run a business with any kind of international cost or revenue, you need to know this: FX volatility isn't a 'risk factor’ any more. It’s the environment you operate in. It’s permanent. And if your 2026 budget still thinks it’s just noise, then you’re going to struggle.

The biggest operational tension in finance teams is simple: you want people to move quickly but you can’t afford mistakes or unauthorised spending. Until now, that trade-off has been brutal. Either hand over payment access and hope it isn’t misused or lock it down and create a bottleneck that slows the whole organisation.

SMEs lose billions every year because many banks struggle to service this client base operationally which make it expensive. As a result,  most small businesses still avoid hedging altogether, not because they don't need it but because the industry has never bothered to build something usable.