Pricing
Our pricing is fair and transparent, made to work for all businesses between the startup and enterprise.
Annual Volume
$0
$ 0M
$500M+
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Startup
Unlimited same-day client support
Hedge Fee
50
bps
Annual
50
bps or less
Volume
<$10M
9
Growth
Fractional Client Hedging Advisor
Hedge Fee
40
bps
Annual
40
bps or less
Volume
$10M-100M
99
Scale
Dedicated Client Hedging Advisor
Hedge Fee
30
bps
Annual
30
bps or less
Volume
$100M-$250M
249
Enterprise
Fractional Risk Manager
Hedge Fee
25
bps
Annual
25
bps or less
Volume
$250M-500M
499
Custom
Custom team to suit business needs
Hedge Fee
20
bps
Annual
20
bps or less
Volume
$500M+
500

Hedging is hard — we get it. But doing business internationally means you simply have to hedge.

If you don't have a seamless hedging strategy (or if you choose the wrong solution), FX risk negatively impacts every part of your business:

Payroll

Supply chain

Profits

Exports

Imports

Cost of Goods Sold

Have questions?

Do you offer tiered discounts?

We do! Pangea Prime automatically scales your pricing as your volume increases.

Can we lock in discount pricing up-front?

Yes. For customers who want to take advantage of tiered discounts from the beginning, Pangea offers tier discounts for a small deposit against projected annual volume.

What are the different tiers Pangea offers?

Pangea's lowest tier is the startup package consisting of 50 basis points per hedge and 1% annualized. The lowest pricing for businesses hedging upwards of 1 Billion USD equivalent per year can enjoy pricing as five basis points per hedge and 25 basis points annualized.

How does the annualized hold fee work?

Based on your tiered price, annualized hold fee and then prorate the fee based on the number of days a hedge is held. Hold fees are invoiced once a month. (Annualized Fee / 365 * # of Days Held).

How does the per hedge fee work?

When you enter a hedge, we use stripe to draft your account our per-hedge fee at the execution time. Customers doing over 10 Million USD equivalent per year will be invoiced monthly for all hedge related fees.

How does the per hedge fee work?

When you enter a hedge, we use stripe to draft your account our per-hedge fee at the execution time. Customers doing over 10 Million USD equivalent per year will be invoiced monthly for all hedge related fees.

Pricing

Our pricing is fair and transparent, made to work for all businesses between
the startup and enterprise.
How much money does your company move globally each year?

$1 M

$1
$ 0M
$50M+
Thank you! Your submission has been received!
Oops! Something went wrong while submitting the form.
FX Transaction Cost
We offer a simple low-cost flat rate based on size of transaction. You can count on it every time. Learn More
Transaction Size
$1,000 - 9,999
$10,000 - 99,999
$100,000 - 999,999
$1,000,000+
The Pangea 10
P10
0.60%
0.50%
0.25%
0.15%
Non-P10
1.00%
1.00%
0.50%
0.25%
Wire
Free
Free
Free
Free
FX Transaction Cost
Whether you book a spot, forward, or options-based transaction, we offer a simple low-cost flat rate based on size of transaction. You can count on it every time. Learn More
Transaction Size
$1k - 9,999
$10k - 99,999
$100k - 999,999
$1,000,000+
The Pangea 10
0.60%
0.50%
0.25%
0.15%
Non-P10
1.00%
1.00%
0.50%
0.25%
Wire
Free
Free
Free
Free
Assets Under Management Fees
The fee applies solely to FX Risk Management (Hedging), not to FX transactions. Pangea offers a low-cost rate based on your annual volume and ensures you only pay for what you use. Learn More
Assets Under Management Fees
As low as 1.00%
Pangea offers customized, cost-effective solutions for those hedging over $50M annually. Talk to sales to get a custom quote.

What’s included...

Managing your FX risk is hard. All these features come out of the box so you can focus on managing your business, not your exposure.

Ai-Powered FX Management

Our artificial intelligence (Ai) and Quantitative Engine (QE) is incorporated across all our core features. Whether you are doing risk discover, using a hedging product, or simply making a payment, our Ai makes it happen.

Integration Ready

Pangea is ready to integrate with your Treasury Management System. Our team can work with you to make a fast and seamless integration plan. Full API-ready capabilities coming Q1 2024.

Global Currency Access

On the Pangea platform, your company can hedge the US Dollar against 30 of the most liquid currencies in the world, and send or receive over 170+ currencies in 200 countries at unbelievably low rates.

Automated Execution & Settling

Pangea will automatically execute and settle your transfers and hedges at the best time of day. Whether your payment is scheduled for the future, or you’re getting it out the same day, we will optimize for best execution every time.

Transparent Reporting

Transparency is at the core of who we are and what we do. You’ll be notified whenever a transfer or hedge is successfully placed, lifted, and/or settled, and you can pull performance reports whenever you need to. Nothing - including our fees - will be hidden from you.

Dedicated Client Success Advisor

When you start the onboarding process with Pangea, you’ll be assigned a dedicated Client Success Advisor. This dedicated person will work with you to help you get up and running, and ensure that your performance is aligned with your company’s FX goals at the onset of our relationship, and throughout your time with Pangea.

Pangea in Comparison

FX Transaction Cost vs. Others
Transaction Size
$1,000 - 9,999
$10,000 - 99,999
$100,000 - 999,999
$1,000,000+
Pangea
Wire
Free
Free
Free
Free
The Pangea 10
P10
0.60%
0.50%
0.25%
0.15%
Non-P10
1.00%
1.00%
0.50%
0.25%
PayPal
0.70%
0.60%
0.40%
0.20%
Chase
0.70%
0.60%
0.40%
0.20%
Wise
0.70%
0.60%
0.40%
0.20%
AUM Fees vs. Others
Assets Under Management Fees
As low as 1.00%
Pangea offers customized, cost-effective solutions for those hedging over $50M annually. Talk to sales to get a custom quote.
PayPal
0.80%
Chase
0.80%
Wise
0.80%
FX Transaction Cost vs. Others*
Provider
TransferWise (Wise)
Revolut
PayPal
Western Union
Big Banks
Local/Regional Banks
Pangea
Major Currencies
(Over $50M/yr)
0.5-2.8%
0.65-1.2%
3%
3%
0.4-1%
2-3%
0.2-0.6%
Major Currencies
(Under $50M/yr)
0.5-2.8%
0.65-1.2%
5%
5%
1.1-3%
2-4%
0.2-0.6%
Emerging Markets
0.5-2.8%
0.65-1.2%
5-10%
5-10%
5-7%
5-7%
0.2-0.6%
Frontier Markets
0.5-2.8%
0.65-1.2%
Over 10%
Up to 20%
Up to 10%
Up to 10%
0.3-0.7%
* Assumes $10M or more per year in volume and a $100,000 transfer or larger.
FX Transaction Cost vs. Others
INR Example
Top Tier Bank Max
PayPal
Top Tier Bank Min
AirWallex
Transferwise
Pangea
USD Sent
7%
5%
1-2%
0.6-1.2%
0.8-1.3%
0.2-0.9%
Transfer Fee
$20
$0.00
$20
$10
$1,161
$0.00
Benchmark Rate
0.9289
0.9289
0.9289
0.9289
0.9289
0.9289
Provider Rate
0.8639
0.8907
0.9103
0.9164
0.9289
0.9243
Spread
0.0700
0.0411
0.0200
0.0135
0.000
0.0050
EUR Delivered
86,370
89,072
91,014
91,627
91,812
92,426
Total Cost (EUR)
6,520
3,818
1,876
1,263
1,078
464
Cost (%)
7.02%
4.11%
2.02%
1.36%
0.6-1.15%
0.2-0.9%
Frequently Asked Questions

Will you be able to integrate with our ERP/Treasury management system?

Yes, assuming your system allows for it, Pangea can integrate with almost any ERP/Treasury management system.

Which Pangea features (Wallets, Hedging, Transfers) are available in my country?

For wallets and transfers, you can hold, send, to over 170+ currencies in 200 countries. With hedging, you can hedge the US Dollar against over 30 of the most liquid currencies in the world. For a full list of receivable currencies, please contact sales.

How long does it take to start/onboarding process?

A motivated team can be fully onboarded and using the Pangea platform in one week. There will be certain financial documents we need to get you onboarded with our liquidity partner, so as long as these documents are available and ready, there won’t be any holdup during onboarding process. 

What are the different pricing tiers Pangea offers?

Pangea's lowest tier is the startup package at 1% annualized rate on AUM. The lowest pricing for businesses hedging upwards of 1 Billion USD equivalent per year can enjoy pricing in the single digits AUM depending on complexity and currency sets.

How does the per hedge fee work?

When a hedge is entered we track the value over the life of the hedge. At the end of the hedge, you will see two drafts, one for your settlement, and one transparent fee for Pangea.

How do we know what you charge?

On every payment, transfer, or hedging, we show you the wholesale rate we receive, the broker spread our liquidity partner passes on to you, based on your volume and price tier, as well as our hedge fee as it applies to FX hedging products. Transparency builds trust.

Who is our counterparty, or who carries our trade?

Whether you execute with Pangea or directly with our liquidity partner, we lay off your risk immediately with the largest banks in the world, or through US regulated centrally clearing exchanges like the CME.

What are your security measures?

Every partner we work with is Soc2Type2 compliant, and all data in and out of Pangea is tokenized to ensure data is never compromised. Pangea houses all its data within its platform on a highly secure Google Cloud virtual server.

How are you regulated?

Pangea is registered as a Commodity Trading Advisor (“CTA”) and as such adheres to all regulatory requirements for a CTA as required by the CFTC and NFA. Pangea’s robust compliance processes and policies ensures that we continue to stay in good standing with all applicable regulatory requirements.