Notes on money that moves

Bank transfers often hide a second fee inside the exchange rate. Here is how to spot it and what to compare instead.

Keep each client’s currency in its own wallet and convert only when you need to spend.

Show a code at the counter, print it on an invoice or share it in a chat. Payments land in seconds.

Encryption, device checks and real-time fraud monitoring, and why you rarely notice them.

Why the rate on the airport board differs from the one in the news, and which one you should care about.

Upload a spreadsheet, check the totals per currency and approve once.