Multi-currency, basic hedging, crypto-fiat reconciliation and cash management for SMBs.
A 2% discount for paying 30 days early can be worth about 25% a year, but only if it beats your cost of cash, the FX move and the wire fee. This guide gives the formula, worked examples and a decision rule.
Financial ratios condense liquidity, leverage, profitability and activity into a few numbers. This guide gives the formulas, how to read them and how the exchange rate moves each one when the balance sheet holds dollar items.
A foreign company billing Brazilian customers can rely on Pix Automático for in-country recurring charges. This guide covers the authorization journeys, who can offer it, how to schedule and cancel a charge, and how it differs from direct debit, boleto, and scheduled Pix.
SPEI is the interbank payment system run by Banco de México. This guide covers how a company with a Mexican subsidiary or Mexican customers uses it: hours, limits, the CEP receipt, returns, and CoDi and DiMo.
Bre-B, Colombia's instant payment system run by the central bank, reaches one year of full operation. This guide explains what it means for a company that collects or pays in Colombia, its limits, and where it stops.
When a LATAM subsidiary bills in dollars and pays costs in local currency, its income statement mixes operating performance with exchange effects. This guide reads it line by line and separates the two with a worked example.
A year-end close adds December 31 FX revaluation, foreign currency reconciliation, the December-January payment calendar and annual tax filings on top of the regular monthly close. This guide covers the checklist for Colombia and Mexico.
A 2027 budget doesn't need an FX forecast: it needs a verifiable method for the rate assumption, scenario bands, and a sensitivity analysis on margin.
A quarterly treasury close adds next-quarter forecasting, covenant and counterparty review, and formal board reporting on top of the regular monthly close. This guide is the eight-step checklist for a CFO.
Before signing an import or export order, an SMB can choose among seven instruments to pay for and secure the deal. This catalog walks through each one, who carries the risk, and what Soulbit offers today in advance payment and open account.
Whoever requests a payment should not be the one who approves it, and whoever approves it should not be the one who sends it. This guide shows how to design that chain with a limit matrix.
Getting paid in GBP is not the same as getting paid in dollars: the pair is thinner, most Latin American countries publish no official GBP rate, and market hours matter.
No fixed number answers how much of a company's cash should sit in dollars. There is, instead, a method: map exposures, calculate the net position, set a range and define when to rebalance.
A US parent consolidating a Latin American subsidiary in dollars runs the same monthly close every period: fix functional and presentation currency, retranslate monetary items at the closing rate, and book the exchange difference.
Holding balance in dollars, euros and pounds is not a treasury preference: it depends on what currency your company invoices in, what currency it pays costs in and how long its collection cycle runs.
Every day a company's cash sits idle in receivables or in cross-border transit has a measurable cost against its own cost of capital, never against a rate unrelated to the company. This guide shows how to calculate it.
Before parking your company's operating balance with a third party, there is a due diligence framework you can apply to any bank, fintech or digital asset platform.
Export invoice factoring advances payment on a foreign receivable for a discount. This guide shows how to calculate that discount as an annualized rate and when it is worth paying.
Reconciling several bank accounts in several currencies is not one converted total against the ledger. It is one statement per account, items in transit specific to each currency, correspondent bank fees that arrive net, and a foreign exchange difference that has to be isolated and posted.
Without a written treasury policy, every payment depends on who happens to be around that day. This guide is a template: seven sections, each with a drafter and a signer.
Forecasting an entire cash flow at today's exchange rate is the most common mistake a company makes when revenue arrives in dollars and costs are fixed in local currency.
A US parent or client dealing with a Colombian counterpart needs to know which TRM applies, and on what date, before an accountant can book a dollar receipt correctly.
A foreign supplier invoicing a Colombian client often sees 20% deducted before the wire lands. This explains why, and what can lower that number.
A US or European company paying a Colombian supplier, contractor, or local subsidiary payroll runs into a 0.4% bank debit tax that does not exist at home.
A Colombian vendor's invoice in US dollars almost always carries a Colombian peso equivalent too. That is not a formatting error, it is a DIAN requirement.
Brazil's IOF tax on foreign exchange changes by decree and the rate depends on the declared purpose of the transaction. Here is what is confirmed in official rules and what still needs to be checked transaction by transaction.
Foreign exchange for a company operating with Brazil is not a single quote: it runs through a câmbio contract, an authorized institution, IOF, and, since October 2026, a wider foreign currency account for legal entities.
There is no single FX hedging instrument. The right choice depends on exposure, timing and company size, and it changes from one Latin American country to the next.
OTC in crypto is not a trading market. It is a quote requested on demand, with a firm price and a short validity window, built to convert treasury balances without touching an order book.
The term shows up in every guide to Colombia's exchange regime, but almost none explain when a company operating in Colombia actually needs to open a compensation account, or the administrative load that comes with it.
A foreign company operating in Colombia cannot open a USD deposit account at a local bank. These are the four routes that actually exist, and how to pick between them.
Since 2024 Argentina has a legal figure for virtual asset service providers and a registry run by the securities regulator. That changes the ground for importers, though it does not touch the layer that hurts most.
The Dominican Republic has three engines that earn foreign currency: free zones, tourism and exported services. All three share the same collection friction and all three can attack it the same way, with limits worth stating up front.
Panama already operates in dollars, yet paying an overseas supplier still travels through a chain of correspondent banks. This guide covers how that payment runs in USDC and what documentation supports it.
The 2019 agenda decision on cryptocurrencies does not automatically settle the USDC case, because it describes assets with no issuer and no contract. That gap forces the entity to form its own judgement and disclose it.
Collecting from a US client in USDC is a procedure with concrete steps: agree the payment method, hand over the paperwork the payer needs, issue the invoice, share the payment link and reconcile against the on-chain identifier.
Nearshoring is multiplying dollar invoices to US clients. Collecting them in USDC settles in minutes, keeps treasury in dollars and leaves every payment traceable on-chain.
The Colombian peso has swung between 1,860 and over 5,000 per dollar in a decade. Holding part of working capital in digital dollars is risk management, not a bet.
In a dollarized economy, USDC is the same dollar in digital form. How to collect from abroad and pay suppliers in minutes, and what Ecuadorian regulation requires.
A stablecoin payment is documented differently than a wire. This guide translates address, hash, network, confirmations and gas into the language of the month-end close.
USDC and USDT are not interchangeable for a corporate treasury. They differ in issuer, reserves, regulatory standing and real liquidity per corridor. This guide compares both with official sources.
Importers and foreign-trade firms in Chile can pay suppliers abroad in USDC, settling in minutes with on-chain traceability for reconciliation.
A Mexican company can collect from overseas clients in USDC and manage it as a digital-dollar treasury, without waiting days for a SWIFT transfer.
Neither SWIFT nor stablecoins win every time. We weigh both rails on cost, speed and risk so you can pick the right one for each payment.
A hands-on guide for CFOs: record USDC inflows and outflows, lock in the day's exchange rate, and tie the general ledger back to the on-chain statement.