Who it is for
BlockFinaX serves three groups. You can use it directly in the BlockFinaX app, or through a partner product that has BlockFinaX built in.
Businesses that pay or receive foreign currency
Any business whose costs and income are in different currencies.
| Business | Typical exposure | What they buy |
|---|---|---|
| Importers and distributors | Supplier invoices in US dollars, revenue in local currency | Up cover |
| Manufacturers | Imported raw materials and machinery | Up cover |
| Exporters and producers (agriculture, commodities, crafts) | Sales paid in US dollars, costs in local currency | Down cover |
| Service exporters (software, outsourcing, creative agencies) | Client fees in US dollars, salaries in local currency | Down cover |
| Companies with dollar loans or leases | Repayments in US dollars | Up cover |
| Schools, hospitals and NGOs | Dollar costs or dollar grants | Either, depending on the flow |
They usually share one problem: banks will not offer them currency protection at their size, or not at all in their currency.
Underwriters
People and firms with USDC who want to earn premiums by taking on currency risk.
| Underwriter | Why they take part |
|---|---|
| Investors and funds | A return that does not depend on crypto or stock markets |
| Currency desks and traders | Getting paid for a view on a currency they already follow |
| Treasuries holding stablecoins | Earning on idle USDC |
| Businesses with the opposite exposure | An exporter who gains when the currency weakens can underwrite cover that pays when it weakens, offsetting its own position |
Pool creators
Underwriters who want to set the terms: which currency, which lengths, what price. Typically desks, funds and institutions with a pricing view. See Create a pool.
Through a partner
Many businesses will meet BlockFinaX inside another product: their payments app, invoice platform, treasury software or wallet. The protection is the same. The partner may add its own fee, which is always shown in the price before you buy. See Fees.