The problem
You have a payment coming up. The bank quotes you a rate and tells you nothing about whether today is a good day to take it. Your options are to convert and hope, or to wait and hope. Neither is a decision, and neither is something you can explain to your board.
You are not a speculator. You already plan to transact. The only real question is timing, and how much of the exposure to cover.
What makes this different
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You get a decision, not a forecast
Convert now, wait, or split it. Stated separately for buyers and sellers of the currency, with what each choice protects and what it gives up.
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A research operation runs before you ever ask
Eleven categories of market data collected twice every trading day, then checked for gaps. The work is finished before your question arrives.
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It reads what the market is positioned for, not the headlines
Bank forecasts, prediction-market odds, and where professional futures traders are actually placed. Positioning is what moves rates when a number surprises.
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Answers show the data they used
The live rate at the moment you asked, the market evidence behind the call, and the one dated event that falls inside your window.
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A desk of thirteen specialists, run like a dealer
Hedge sizing, forward pricing, simulation, cashflow, compliance. The orchestrator pulls in the specialists your particular question needs.
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You can check what your bank kept, before trusting any of it
Enter a transfer you already made. Worldesk fetches the mid-market rate at that exact timestamp and shows the spread. Free. No signup.
What comes back
Ask about a payment you have coming up, and the answer is built in three parts.
Convert now, wait, or split it, and how much of the payment each part covers.
What the rate has done, what the market is positioned for, and which dated events fall inside your window.
What a forward or a staged order would mean for this payment, including the margin implications and what happens as the trade moves.
Illustrative example of the answer format. Every real answer is generated when you ask it, on live rates and current market data.
For a hedging question, the shape changes: a short guided interview of eight questions, most of them filled in from what you already typed, then a recommended structure with a named alternative and a plain account of what each one protects and what it costs you.
The engine behind it
By the time you type a question, the research is already done. Here is what goes into it.
Collected before you ask
If a source comes back empty, we collect it again before it can reach an answer.
The desk
Thirteen specialists sit behind the conversation. Which ones are consulted depends on what you asked: a straightforward payment question does not need the simulation desk, and a hedging decision does.
Reads the live rate and the forward points, then converts the cost into the currency your books are kept in.
Tracks what central banks have said, what analysts expect, and which economic drivers are moving your pair.
Sectors live with different margins. A thin-margin importer cannot absorb the move a services exporter can.
Groups exposures by when they settle, because a payment due next week and one due next quarter are different problems.
Looks at whether the exposure repeats. A monthly payroll run is handled differently from a one-off purchase.
Checks a proposed hedge against the limits and the mandate your business actually operates under.
Sets how much of the exposure to cover, which is usually a range rather than all or nothing.
Runs the exposure through many possible paths to show the spread of outcomes, not only the central one.
Prices converting today against locking a rate forward, including the all-in cost of each route.
Compares hedge ratios and ranks the scenarios, so the recommendation arrives with a reason attached.
Accounts for the cost of carry and for what the money would otherwise have been doing.
Turns the analysis into plain instructions, with the numbers stated in your own currency.
Tap any specialist to see what it contributes.
What you would get elsewhere
Money-transfer services and international business accounts compete on the rails and the rate. That is a real cost and worth shopping for. None of them answer the question you actually have, which is whether to convert now or wait.
A general AI assistant will answer that question, but from memory. Here is what Worldesk puts on the table at the moment you ask.
| What Worldesk shows | Where it comes from |
|---|---|
| The live rate | Fetched when you ask, not recalled from training data. |
| 90-day history and a chart | Collected per pair, rendered in the conversation. |
| Futures positioning | The CFTC weekly report on how professional traders are placed. |
| Prediction-market odds | Polymarket and Kalshi, quoted by venue. |
| A structured intake | Eight fields, most of them filled in from the question you typed. |
| A decision | Convert now, wait, or split it, stated separately for buyers and sellers. |
Start by auditing us, not trusting us
Price Check is the shortest way to find out whether any of this is worth your time. Enter a transfer you already made: what you sent, what arrived, and when. Worldesk pulls the mid-market rate at that exact timestamp and shows you the difference.
An illustrative example of the comparison. Your own numbers produce your own result.
What to expect
- This is decision support, not licensed financial advice.
- Named bank forecasts appear when analyst coverage exists for your pair. That supply varies through the week, so we do not promise a bank name on any given question.
- There is no account. Nothing is kept between visits.
Ask it the way you would ask a dealer
- A payment due in 45 days, and whether to lock the rate now.
- How to hedge an exposure, and what each structure actually protects.
- Whether to invoice in your currency or your customer's.
- What happens to your pair if the next jobs number misses.
- What your last transfer really cost you.
Free. No signup.
A decision, not a market view.