Soryn Fintech Payments Calculator
International Payments Intelligence

Your bank is holding your
working capital hostage

3–5 day SWIFT settlement isn't just slow — it's a balance sheet problem. See how much capital you're losing to transit delays, hidden FX spreads, and correspondent bank fees every year.

Same-day settlement
No correspondent bank fees
Fiat · Crypto · Fiat
Up to £30M insured fund protection
FCA regulated
Mid-market FX rate
10% APY on idle funds
£
#
1.8%
Typical bank spread: 1.5–3%. Compare your bank's rate at xe.com to check.
£
£
3 days
8%
Use your overdraft, credit facility, or opportunity cost rate.
Your annual cost analysis — SWIFT vs Soryn
Annual cost with your bank
inc. FX, fees & float
Annual cost with Soryn
same-day, no correspondent fees
Your annual saving
⏱️
Working Capital Locked in Transit
At your current volume, your bank is holding of your money in transit at any given moment. With Soryn's same-day settlement, that capital is back in your business — not sitting in the SWIFT network.
Annual cost breakdown
Bank
Soryn
FX spread cost
Wire / transaction fees
Correspondent bank fees
Working capital float cost
Total annual cost
1
You send GBP
Funds leave your account in sterling via our secure platform
2
On-ramp to crypto
Converted at mid-market rate with our 0.35% spread — no hidden markup
3
Instant transfer
Settled across borders in minutes — no correspondent banks, no queues
4
Off-ramp to fiat
Recipient receives local currency same day. Funds insured up to £30M

Ready to unlock your working capital?

Most of our clients are experiencing six-figure savings annually. Book a 20-minute call and we'll run the numbers on your actual transaction data.

Book a call with Soryn →
Funds insured up to £30M per transaction

Estimates based on publicly available SWIFT fee structures and typical bank FX spreads. Soryn rates shown are illustrative — actual pricing subject to volume and corridor.
This calculator is for indicative purposes only. Soryn Fintech · [email protected]