TOM/SPOT

Lock in your exchange rate today. Pay tomorrow or later

With T+1 and T+2 transactions, you secure the USD or MXN exchange rate through our network of regulated partners before the market moves—without signing anything new or repeating your onboarding.

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Screen to confirm a TOM transaction with amount, settlement date and real-time exchange rate

How your operation moves

  1. Today

    You lock in and secure your exchange rate through our network of regulated partners

  2. T+1

    Settle on the next business day

  3. T+2

    Settle in two business days

PROBLEM

Your treasury shouldn’t depend on the market

Between the moment you decide to pay and when the funds actually settle, the exchange rate can move—and that movement eats into your budget. T+1 and T+2 close that risk window before it impacts you.

WHY IT BENEFITS YOU

Certainty where there used to be uncertainty

  • You already know how much you’ll pay

    The exchange rate is locked in from the moment you agree to it through our network of regulated partners no surprises at settlement.

  • Your budget stays fixed, even if the market doesn’t:

    You protect your numbers from FX volatility before it’s time to pay.

  • Coordinate international payments with real flexibility:

    It gives you time to structure internal treasury processes without racing against the clock.

  • Less operational friction, more control

    Reduce operational risk across your entire FX operation.

THE TWO SPEEDS

Choose based on how your company operates

Both allow you to lock in the exchange rate today. The difference is when the funds are settled.

T+1

ONE BUSINESS DAY

Lock in today, settle on the next business day:

  • Fund the transaction the following day
  • Meet your internal treasury processes
  • Coordinate international payments without rushing
  • Reduce operational risk from end to end

T+2

TWO BUSINESS DAYS

Lock in today, settle two business days later:

  • Allows more time for funds availability
  • Makes coordination across different time zones easier

The historical standard in the international FX market. While many currency pairs now settle on T+0 or T+1, T+2 remains the most widely used for corporate transactions and currency pairs like the one EFEX handles (USD/MXN).

Ready to stop improvising with the exchange rate?

Book a Demo