{"id":235,"date":"2026-08-17T17:40:46","date_gmt":"2026-08-17T17:40:46","guid":{"rendered":"https:\/\/www.nextpayglobal.com\/blog\/?p=235"},"modified":"2026-08-17T18:15:22","modified_gmt":"2026-08-17T18:15:22","slug":"hidden-foreign-exchange-costs-webinar","status":"publish","type":"post","link":"https:\/\/www.nextpayglobal.com\/blog\/hidden-foreign-exchange-costs-webinar\/","title":{"rendered":"Stop Losing Money to Hidden Foreign Exchange Costs \u2014 Webinar Recap"},"content":{"rendered":"\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"576\" src=\"https:\/\/www.nextpayglobal.com\/blog\/wp-content\/uploads\/2026\/08\/linkedin-event-graphic-1024x576.jpg\" alt=\"Promotional graphic for the August 6, 2026 webinar &quot;Stop Losing Money to Hidden Foreign Exchange Costs,&quot; presented by Nextpay Global in partnership with the U.S. Commercial Service, FloridaMakes, Greater Florida District Export Council, and Central Florida International Trade Office, with Corpay\" class=\"wp-image-236\" srcset=\"https:\/\/www.nextpayglobal.com\/blog\/wp-content\/uploads\/2026\/08\/linkedin-event-graphic-1024x576.jpg 1024w, https:\/\/www.nextpayglobal.com\/blog\/wp-content\/uploads\/2026\/08\/linkedin-event-graphic-300x169.jpg 300w, https:\/\/www.nextpayglobal.com\/blog\/wp-content\/uploads\/2026\/08\/linkedin-event-graphic-768x432.jpg 768w, https:\/\/www.nextpayglobal.com\/blog\/wp-content\/uploads\/2026\/08\/linkedin-event-graphic-1536x864.jpg 1536w, https:\/\/www.nextpayglobal.com\/blog\/wp-content\/uploads\/2026\/08\/linkedin-event-graphic.jpg 1600w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<style>\n  \/* All rules below are scoped under .npg-fxwebinar so nothing leaks onto\n     the rest of the site. 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}\n    .npg-fxwebinar .cta-box { padding: 28px 24px; }\n    .npg-fxwebinar .speaker-grid { grid-template-columns: 1fr; }\n  }\n<\/style>\n\n<article class=\"npg-fxwebinar\">\n\n  <header class=\"article-header\">\n    <p class=\"category\">Webinar Recap \u00b7 FX Strategy<\/p>\n    <h1>Stop Losing Money to Hidden Foreign Exchange Costs: What We Covered at Our Florida Trade Webinar<\/h1>\n    <p class=\"subtitle\">A recap of our August 6 session on multi-currency accounts, sector-specific FX strategy, and the questions every finance leader should ask before choosing a payments partner.<\/p>\n    <p class=\"meta\">By Nextpay Global &nbsp;\u00b7&nbsp; Published August 2026 &nbsp;\u00b7&nbsp; 9-minute read<\/p>\n  <\/header>\n\n  <!-- Upload linkedin-event-graphic.png to the WordPress media library and replace the src below with the resulting URL -->\n  <img decoding=\"async\" class=\"hero-image\" src=\"REPLACE-WITH-MEDIA-LIBRARY-URL\/linkedin-event-graphic.png\" alt=\"Promotional graphic for the August 6, 2026 webinar &quot;Stop Losing Money to Hidden Foreign Exchange Costs,&quot; presented by Nextpay Global in partnership with the U.S. Commercial Service, FloridaMakes, Greater Florida District Export Council, and Central Florida International Trade Office, with Corpay\">\n\n  <p>On August 6, Nextpay Global joined the <a href=\"https:\/\/www.trade.gov\" target=\"_blank\" rel=\"noopener\">U.S. Commercial Service<\/a>, <a href=\"https:\/\/www.floridamakes.com\" target=\"_blank\" rel=\"noopener\">FloridaMakes<\/a>, the <a href=\"https:\/\/floridaexports.org\" target=\"_blank\" rel=\"noopener\">Greater Florida District Export Council<\/a>, the <a href=\"https:\/\/www.nationalec.org\/cfito\" target=\"_blank\" rel=\"noopener\">Central Florida International Trade Office<\/a>, and <a href=\"https:\/\/www.corpay.com\" target=\"_blank\" rel=\"noopener\">Corpay<\/a> for a live session built for one purpose: helping Florida businesses see the foreign exchange costs that never show up as a line item on a bank statement.<\/p>\n\n  <p>The premise is simple. A Florida business moving $500,000 a year across currencies typically loses somewhere between $10,000 and $20,000 to foreign exchange spreads that never appear as a fee anywhere in its accounts. That gap grows in direct proportion to volume, and most finance teams don&#8217;t have a clear way to see it, let alone manage it.<\/p>\n\n  <p>Below is a recap of what the panel covered, organized the same way the session was: multi-currency accounts, sector-specific strategy, building a payments approach that scales with the business, and the questions worth asking before you choose a banking or payments partner.<\/p>\n\n  <nav class=\"toc\" aria-label=\"Table of contents\">\n    <h2>In this recap<\/h2>\n    <ol>\n      <li><a href=\"#multi-currency\">Multi-currency accounts: the most underused lever<\/a><\/li>\n      <li><a href=\"#example\">A worked example: one conversion versus two<\/a><\/li>\n      <li><a href=\"#sectors\">Sector-specific strategy: manufacturing, exporters, life sciences<\/a><\/li>\n      <li><a href=\"#scaling\">Building a payments strategy that scales with you<\/a><\/li>\n      <li><a href=\"#questions\">Seven questions to ask a banking or payments partner<\/a><\/li>\n      <li><a href=\"#takeaway\">The core takeaway<\/a><\/li>\n      <li><a href=\"#watch\">Watch the full session<\/a><\/li>\n      <li><a href=\"#continue-reading\">Continue exploring FX strategy<\/a><\/li>\n    <\/ol>\n  <\/nav>\n\n  <h2 id=\"multi-currency\">Multi-currency accounts: the most underused lever<\/h2>\n\n  <p>As businesses expand internationally, foreign exchange becomes one of the biggest hidden costs on the books \u2014 hidden because most finance teams never see it as a line item, they simply watch it erode margin. The panel walked through the challenges that show up repeatedly: multiple currency conversions happening on a single transaction, unfavorable rates from automatic conversions, limited visibility into global cash balances, delayed supplier payments, and difficulty forecasting FX exposure in the first place.<\/p>\n\n  <p>The root cause is usually the same: a payment arrives, it gets converted automatically into the home currency, and then it gets converted again when it&#8217;s time to pay a supplier in a different currency. Each conversion carries a cost. A multi-currency account addresses this directly \u2014 it lets a business hold balances in multiple currencies without converting immediately, so the decision about when (and whether) to convert stays in the business&#8217;s hands rather than happening by default.<\/p>\n\n  <p>In practice, that means collecting customer payments in their local currency, holding those proceeds until exchange rates move favorably, and paying suppliers directly out of that same currency \u2014 no unnecessary round-trip conversion. Beyond the direct FX savings, the panel pointed to faster international settlement, cleaner reconciliation, a better experience for customers and suppliers paid in their own currency, lower banking fees, and clearer treasury visibility overall.<\/p>\n\n  <div class=\"tip\">\n    Best practices the panel recommended: match revenue and expenses in the same currency wherever possible, avoid converting funds simply because they were received, centralize visibility across all currency balances, put a clear FX policy in place that defines when conversions should happen, and review currency exposure monthly rather than reactively.\n  <\/div>\n\n  <h2 id=\"example\">A worked example: one conversion versus two<\/h2>\n\n  <p>The panel illustrated the point with a straightforward scenario: a U.S. manufacturer sells products in Europe, and a customer pays \u20ac250,000 for goods. What happens next depends entirely on account structure.<\/p>\n\n  <div class=\"table-wrap\">\n    <table>\n      <thead>\n        <tr>\n          <th>Without a multi-currency account<\/th>\n          <th>With a multi-currency account<\/th>\n        <\/tr>\n      <\/thead>\n      <tbody>\n        <tr>\n          <td>Customer pays \u20ac250,000<\/td>\n          <td>Customer pays \u20ac250,000<\/td>\n        <\/tr>\n        <tr>\n          <td>Bank converts the full amount to USD immediately<\/td>\n          <td>Funds remain in EUR<\/td>\n        <\/tr>\n        <tr>\n          <td>Company later needs to pay a German supplier, so USD converts back to EUR<\/td>\n          <td>Company pays its European suppliers directly out of the EUR balance<\/td>\n        <\/tr>\n        <tr>\n          <td><strong>Result: two FX conversions, two sets of fees and spread<\/strong><\/td>\n          <td><strong>Result: one conversion \u2014 or potentially none \u2014 only on excess funds, only when it makes sense<\/strong><\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n\n  <h2 id=\"sectors\">Sector-specific strategy: manufacturing, exporters, life sciences<\/h2>\n\n  <p>International payments aren&#8217;t one-size-fits-all. An effective strategy has to reflect a company&#8217;s operational realities, regulatory requirements, and supplier expectations \u2014 so the panel broke down what that looks like across three sectors.<\/p>\n\n  <h3>Manufacturing<\/h3>\n  <div class=\"table-wrap\">\n    <table>\n      <thead>\n        <tr><th>Key challenges<\/th><th>Strategy<\/th><th>Success metrics<\/th><\/tr>\n      <\/thead>\n      <tbody>\n        <tr>\n          <td>\n            <ul>\n              <li>Global supplier networks<\/li>\n              <li>Large inventory purchases<\/li>\n              <li>Long production lead times<\/li>\n              <li>Commodity price volatility<\/li>\n              <li>Multiple payment currencies at once<\/li>\n            <\/ul>\n          <\/td>\n          <td>\n            <ul>\n              <li>Pay suppliers in local currencies<\/li>\n              <li>Reduce FX exposure on raw materials<\/li>\n              <li>Improve payment timing<\/li>\n              <li>Consolidate supplier payments<\/li>\n              <li>Forecast currency needs against production schedule<\/li>\n            <\/ul>\n          <\/td>\n          <td>\n            <ul>\n              <li>Lower procurement costs<\/li>\n              <li>Reduced FX expense<\/li>\n              <li>Better supplier relationships<\/li>\n              <li>Improved working capital<\/li>\n            <\/ul>\n          <\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n\n  <h3>Exporters<\/h3>\n  <div class=\"table-wrap\">\n    <table>\n      <thead>\n        <tr><th>Key challenge<\/th><th>Strategy<\/th><th>Success metrics<\/th><\/tr>\n      <\/thead>\n      <tbody>\n        <tr>\n          <td>Managing the currency risk between when a customer pays and when that revenue is actually recognized, across multiple countries<\/td>\n          <td>\n            <ul>\n              <li>Collect in customers&#8217; preferred currencies<\/li>\n              <li>Delay conversions until rates are favorable<\/li>\n              <li>Hedge predictable exposures<\/li>\n              <li>Simplify collections with local receiving accounts<\/li>\n              <li>Improve the customer payment experience<\/li>\n            <\/ul>\n          <\/td>\n          <td>\n            <ul>\n              <li>Faster collections<\/li>\n              <li>Lower FX losses<\/li>\n              <li>Increased international sales<\/li>\n              <li>Better cash forecasting<\/li>\n            <\/ul>\n          <\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n\n  <h3>Life sciences<\/h3>\n  <div class=\"table-wrap\">\n    <table>\n      <thead>\n        <tr><th>Key challenges<\/th><th>Strategy<\/th><th>Success metrics<\/th><\/tr>\n      <\/thead>\n      <tbody>\n        <tr>\n          <td>\n            <ul>\n              <li>Clinical trial payments<\/li>\n              <li>Coordinating with research organizations<\/li>\n              <li>Global distributors and regulatory agencies<\/li>\n              <li>Intellectual property licensing<\/li>\n            <\/ul>\n          <\/td>\n          <td>\n            <ul>\n              <li>Standardize payment approval workflows<\/li>\n              <li>Maintain complete audit trails<\/li>\n              <li>Work with providers that have strong compliance capabilities<\/li>\n              <li>Ensure payment reporting supports regulatory needs<\/li>\n            <\/ul>\n          <\/td>\n          <td>\n            <ul>\n              <li>Faster study payments<\/li>\n              <li>Stronger regulatory compliance<\/li>\n              <li>Reduced operational risk<\/li>\n              <li>Greater financial transparency<\/li>\n            <\/ul>\n          <\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n\n  <h2 id=\"scaling\">Building a payments strategy that scales with you<\/h2>\n\n  <p>A payments strategy isn&#8217;t static \u2014 it should evolve as the business grows. The panel framed that evolution as four stages, from an emerging business doing $100,000 a year in international payments up to an enterprise moving $500 million or more.<\/p>\n\n  <div class=\"table-wrap\">\n    <table>\n      <thead>\n        <tr><th>Stage<\/th><th>Annual volume<\/th><th>Priorities<\/th><th>Supporting tools<\/th><\/tr>\n      <\/thead>\n      <tbody>\n        <tr>\n          <td><strong>1. Emerging Global Business<\/strong><\/td>\n          <td>$100K\u2013$1M<\/td>\n          <td>Reduce payment fees, improve FX visibility, simplify collections, establish basic payment policies<\/td>\n          <td>Multi-currency accounts, online payment platform, basic FX reporting, standard approval workflows<\/td>\n        <\/tr>\n        <tr>\n          <td><strong>2. Growing International Company<\/strong><\/td>\n          <td>$1M\u2013$25M<\/td>\n          <td>Improve cash visibility, reduce manual work, automate approvals, centralize treasury functions<\/td>\n          <td>ERP integration, batch payments, multi-entity support, currency forecasting, payment automation<\/td>\n        <\/tr>\n        <tr>\n          <td><strong>3. Global Enterprise<\/strong><\/td>\n          <td>$25M\u2013$100M<\/td>\n          <td>Liquidity optimization, treasury visibility, risk management, centralized reporting<\/td>\n          <td>FX hedging programs, global liquidity management, payment factory model, automated reconciliation, advanced analytics<\/td>\n        <\/tr>\n        <tr>\n          <td><strong>4. Enterprise Scale<\/strong><\/td>\n          <td>$100M\u2013$500M+<\/td>\n          <td>Optimize working capital, reduce operational risk, strengthen controls, support global growth<\/td>\n          <td>Global cash positioning, API connectivity, virtual accounts, payment orchestration, treasury management system integration<\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n\n  <p>Wherever a business sits on that spectrum, the point the panel kept returning to was consistency: infrastructure should match the current stage, not lag a step behind it.<\/p>\n\n  <h2 id=\"questions\">Seven questions to ask a banking or payments partner<\/h2>\n\n  <p>Choosing a payments partner should involve a lot more than comparing transaction fees. The panel closed the strategy portion of the session with seven questions every finance leader should be asking up front.<\/p>\n\n  <ol>\n    <li><strong>How many currencies can we hold and transact in?<\/strong> Can funds be held without immediate conversion, and are local receiving accounts available?<\/li>\n    <li><strong>What exchange rates do you provide?<\/strong> Is pricing transparent, how are FX spreads determined, and can rates be locked in advance?<\/li>\n    <li><strong>What payment methods are supported?<\/strong> SWIFT, SEPA, Faster Payments, local ACH equivalents, and real-time payment networks.<\/li>\n    <li><strong>How does the platform integrate with our ERP?<\/strong> Look for proven integrations with SAP, Oracle, Microsoft Dynamics, NetSuite, and Sage.<\/li>\n    <li><strong>What controls exist for fraud prevention?<\/strong> Dual approvals, user permissions, payment limits, positive pay, multi-factor authentication, real-time monitoring.<\/li>\n    <li><strong>How is compliance managed?<\/strong> AML and sanctions screening, KYC, tax documentation, regulatory reporting, and data security certifications.<\/li>\n    <li><strong>Can the solution scale with the business?<\/strong> Multi-entity capability, global expansion support, treasury services, API connectivity, and dedicated client support.<\/li>\n  <\/ol>\n\n  <p>Asking these questions before signing with a partner is far easier than switching partners later, right when a growing business can least afford the disruption.<\/p>\n\n  <h2 id=\"takeaway\">The core takeaway<\/h2>\n\n  <p>Cross-border payments are a strategic lever, not just a way to move money. Businesses that put multi-currency capabilities to work, tailor their payment approach to their sector, build infrastructure that matches their current stage, and choose partners based on long-term capability rather than headline fees are better positioned to operate efficiently in a global economy. Every international payment is a chance to optimize working capital, reduce risk, and build a real advantage over competitors still treating FX as an afterthought.<\/p>\n\n  <div class=\"callout\">\n    <strong>Who was on the panel<\/strong>\n    This session brought together speakers from across Florida&#8217;s trade support ecosystem to look at the same problem from different angles.\n  <\/div>\n\n  <div class=\"speaker-grid\">\n    <div class=\"speaker-card\"><div class=\"name\">Ken Mouradian<\/div><div class=\"role\"><a href=\"https:\/\/www.trade.gov\" target=\"_blank\" rel=\"noopener\">U.S. Commercial Service<\/a>, International Trade Administration<\/div><\/div>\n    <div class=\"speaker-card\"><div class=\"name\">Roger Col\u00f3n, CGBP<\/div><div class=\"role\"><a href=\"https:\/\/www.nationalec.org\/cfito\" target=\"_blank\" rel=\"noopener\">Central Florida International Trade Office<\/a><\/div><\/div>\n    <div class=\"speaker-card\"><div class=\"name\">Michael Aller<\/div><div class=\"role\"><a href=\"https:\/\/www.floridamakes.com\" target=\"_blank\" rel=\"noopener\">FloridaMakes<\/a><\/div><\/div>\n    <div class=\"speaker-card\"><div class=\"name\">Seydou Dembele<\/div><div class=\"role\"><a href=\"https:\/\/floridaexports.org\" target=\"_blank\" rel=\"noopener\">Greater Florida District Export Council<\/a><\/div><\/div>\n    <div class=\"speaker-card\"><div class=\"name\">Laura McLoughlin<\/div><div class=\"role\"><a href=\"https:\/\/www.corpay.com\" target=\"_blank\" rel=\"noopener\">Corpay<\/a><\/div><\/div>\n    <div class=\"speaker-card\"><div class=\"name\">Justine Assal MBE<\/div><div class=\"role\">President, Nextpay Global<\/div><\/div>\n  <\/div>\n\n  <h2 id=\"watch\">Watch the full session<\/h2>\n\n  <p>The complete recording is below, including the live Q&amp;A \u2014 free to watch, no registration required.<\/p>\n\n  <div class=\"video-wrap\">\n    <iframe src=\"https:\/\/www.youtube.com\/embed\/LKNxQs4ymN4\" title=\"Stop Losing Money to Hidden Foreign Exchange Costs \u2014 Nextpay Global Webinar\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" allowfullscreen loading=\"lazy\"><\/iframe>\n  <\/div>\n  <p class=\"video-caption\">Watch directly on <a href=\"https:\/\/youtu.be\/LKNxQs4ymN4\" target=\"_blank\" rel=\"noopener\">YouTube<\/a> and subscribe for future sessions.<\/p>\n\n  <script type=\"application\/ld+json\">\n  {\n    \"@context\": \"https:\/\/schema.org\",\n    \"@type\": \"VideoObject\",\n    \"name\": \"Stop Losing Money to Hidden Foreign Exchange Costs | FX Strategy for Florida Businesses\",\n    \"description\": \"A Florida business moving $500K a year across currencies typically loses $10,000-$20,000 to FX spreads that never show up as a fee. Recorded live August 6, 2026, presented by Nextpay Global with the U.S. Commercial Service, FloridaMakes, the Greater Florida District Export Council, and the Central Florida International Trade Office, with Corpay.\",\n    \"thumbnailUrl\": \"https:\/\/img.youtube.com\/vi\/LKNxQs4ymN4\/maxresdefault.jpg\",\n    \"uploadDate\": \"2026-08-11T15:00:00-04:00\",\n    \"embedUrl\": \"https:\/\/www.youtube.com\/embed\/LKNxQs4ymN4\",\n    \"publisher\": {\n      \"@type\": \"Organization\",\n      \"name\": \"Nextpay Global\",\n      \"logo\": {\n        \"@type\": \"ImageObject\",\n        \"url\": \"https:\/\/nextpayglobal.com\/wp-content\/uploads\/nextpay-logo.png\"\n      }\n    }\n  }\n  <\/script>\n\n  <div class=\"cta-box\">\n    <h3>Ready for your own FX review?<\/h3>\n    <p>Nextpay Global is powered by Corpay (NYSE: CPAY), supporting 22,000+ clients across 200+ countries with exchange capability in 145+ currencies. We offer a free, no-obligation FX Review that benchmarks your current international payment costs and identifies where savings are available.<\/p>\n    <a class=\"cta-btn\" href=\"https:\/\/nextpayglobal.com\/consultation\/?utm_source=blog&amp;utm_medium=website&amp;utm_campaign=fx_webinar_recap\">Book a Free FX Review<\/a>\n  <\/div>\n\n  <h2 id=\"continue-reading\">Continue exploring FX strategy<\/h2>\n  <div class=\"related-grid\">\n    <a class=\"related-card\" href=\"https:\/\/www.nextpayglobal.com\/blog\/fx-strategy-international-business\/\">\n      <div class=\"related-title\">The Hidden Cost of Global Trade: Why Your Business Needs an FX Strategy<\/div>\n      <div class=\"related-desc\">The four components of a practical FX strategy, and where the costs that never show up on a P&amp;L actually come from.<\/div>\n      <div class=\"related-meta\">10-minute read \u2192<\/div>\n    <\/a>\n    <a class=\"related-card\" href=\"https:\/\/www.nextpayglobal.com\/blog\/multi-currency-accounts\/\">\n      <div class=\"related-title\">Multi-Currency Accounts: How International Businesses Stop Losing Money in Transit<\/div>\n      <div class=\"related-desc\">Why holding balances instead of converting on every transaction changes the economics of cross-border payments.<\/div>\n      <div class=\"related-meta\">8-minute read \u2192<\/div>\n    <\/a>\n    <a class=\"related-card\" href=\"https:\/\/www.nextpayglobal.com\/blog\/florida-exporters-fx-strategy\/\">\n      <div class=\"related-title\">Exporting from Florida? Here&#8217;s What Your FX Strategy Should Look Like<\/div>\n      <div class=\"related-desc\">A five-step framework for building an FX strategy suited to international sales from Florida.<\/div>\n      <div class=\"related-meta\">3-minute read \u2192<\/div>\n    <\/a>\n  <\/div>\n\n  <p class=\"disclaimer\">\n    <strong>About this recap:<\/strong> This post summarizes a live educational session presented by Nextpay Global in partnership with the U.S. Commercial Service, FloridaMakes, the Greater Florida District Export Council, and the Central Florida International Trade Office, with Corpay. It is intended for general informational purposes and does not constitute financial or tax advice.\n  <\/p>\n\n<\/article>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Webinar Recap \u00b7 FX Strategy Stop Losing Money to Hidden Foreign Exchange Costs: What We Covered at Our Florida Trade [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":237,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1,6],"tags":[73],"class_list":["post-235","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-general","category-fx-risk-management","tag-fx-strategy-2"],"_links":{"self":[{"href":"https:\/\/www.nextpayglobal.com\/blog\/wp-json\/wp\/v2\/posts\/235","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.nextpayglobal.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.nextpayglobal.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.nextpayglobal.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.nextpayglobal.com\/blog\/wp-json\/wp\/v2\/comments?post=235"}],"version-history":[{"count":2,"href":"https:\/\/www.nextpayglobal.com\/blog\/wp-json\/wp\/v2\/posts\/235\/revisions"}],"predecessor-version":[{"id":240,"href":"https:\/\/www.nextpayglobal.com\/blog\/wp-json\/wp\/v2\/posts\/235\/revisions\/240"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.nextpayglobal.com\/blog\/wp-json\/wp\/v2\/media\/237"}],"wp:attachment":[{"href":"https:\/\/www.nextpayglobal.com\/blog\/wp-json\/wp\/v2\/media?parent=235"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.nextpayglobal.com\/blog\/wp-json\/wp\/v2\/categories?post=235"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.nextpayglobal.com\/blog\/wp-json\/wp\/v2\/tags?post=235"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}