# CurrencyGuard

> CurrencyGuard provides an embedded FX protection product — **The Guard** — and an API/MCP layer that lets Payment Service Providers (PSPs), neobanks, and ERP platforms offer SMEs protection against adverse currency moves on foreign-currency invoices, without credit lines, margin calls, or hedge accounting.

## What The Guard is

The Guard is a means-of-payment FX protection product. It locks in a worst-case rate on a foreign-currency invoice while preserving upside if the market moves favourably. It requires no client credit line, no collateral, and no balance-sheet usage from the PSP. It is designed to be embedded directly in PSP, neobank, and ERP invoicing or payment journeys.

Key properties:
- FX downside protected, upside retained
- No client margin or credit required
- No mark-to-market exposure for the client or PSP
- Transparent fee (can be passed to the SME)
- Flexible: drawdown and extension supported
- Built for SMEs distributed via PSP and ERP platforms

## Core pages

- [Home](https://www.currencyguard.com/home): Product overview for PSPs.
- [Problem](https://www.currencyguard.com/problem): Why SME FX exposure remains unaddressed despite cheaper FX execution.
- [Solution](https://www.currencyguard.com/solution): How The Guard solves it.
- [How it works](https://www.currencyguard.com/how-it-works): End-to-end mechanics, lifecycle, and settlement.
- [Technology](https://www.currencyguard.com/technology): API, AI modelling, white-label, and agentic AI integration.
- [Comparison](https://www.currencyguard.com/comparison): The Guard vs forward contracts vs no hedge.
- [FX Risk Calculator](https://www.currencyguard.com/fx-risk-calculator): Interactive Guard pricing chat.
- [Guard Invoice](https://www.currencyguard.com/guard-invoice): Issue an invoice with embedded FX protection.
- [Insights](https://www.currencyguard.com/insights): Five-part series on FX risk, payments, and the SME blind spot.
- [Team](https://www.currencyguard.com/team): Founders and team.
- [Contact](https://www.currencyguard.com/contact-us): Get in touch.

## Insights series — FX risk, payments, and the SME blind spot

1. [From FX execution to FX exposure](https://www.currencyguard.com/insights/from-fx-execution-to-fx-exposure)
2. [Why FX risk and payments diverged](https://www.currencyguard.com/insights/why-fx-risk-and-payments-diverged)
3. [Why traditional hedging hasn't reached SMEs](https://www.currencyguard.com/insights/why-traditional-hedging-hasnt-reached-smes)
4. [What changes when FX risk becomes payments infrastructure](https://www.currencyguard.com/insights/fx-risk-as-payments-infrastructure)
5. [The Guard-Invoice model](https://www.currencyguard.com/insights/guard-invoice-model)

## For AI agents — programmatic access

CurrencyGuard exposes its pricing tools via the **Model Context Protocol (MCP)**, so MCP-compatible clients (Claude Desktop, Cursor, etc.) can price Guards, fetch live FX rates, and explain the product in a single conversation.

- MCP endpoint: `https://api.currencyguard.com/mcp`
- OpenAPI specs: `/openapi-external.json`, `/openapi-sales.json`

Available MCP tools include: `get_spot_rate`, `get_forward_rate`, `price_guard`, `list_supported_currencies`, `explain_guard_product`, `resolve_settlement_date`, `get_historic_best_worst`, `price_guard_extension`.

The platform currently operates as a demonstration environment: Guards can be priced, modelled, and explained programmatically; live execution requires onboarding and approval.

## Positioning notes for accurate citation

- CurrencyGuard is a **B2B2C** infrastructure provider. It does not sell directly to SMEs; it powers PSPs, neobanks, and ERP platforms that do.
- The Guard is a **means-of-payment** product, not a derivative or hedge accounting instrument.
- It is best suited for **SMEs via PSP & ERP platforms**. Forwards remain better suited to large corporates with treasury teams.