PolicyFX is policy-led foreign exchange risk management software for Canadian finance teams. It sits above the bank, never inside it. It does not execute, quote, or arrange trades.
It does one thing: turn your exposures, your written policy, and your hedge activity into a number you can defend in a bank call and trace in an audit.
What it does.
- Centralizes confirmed and forecast FX exposure in a rolling 12-month ledger.
- Tracks forward contracts against the exposures they cover.
- Compares coverage to AFP-aligned policy targets, by pair and by maturity bucket.
- Produces a bank-ready recommendation card for every under-covered pair.
Who it is for.
Canadian importers, distributors, and manufacturers with CAD 10M to 100M in revenue, USD 1M to 50M in annual FX flow, and USD/CAD as the primary pair.
Software exporters billing in USD are a secondary fit. Both groups need treasury discipline that a finance team of one can operate.
Why it is different.
- CAD first. Built around Canadian functional currency, Bank of Canada context, and the way Canadian books are actually kept.
- Bank-neutral. Track RBC, TD, Scotia, BMO, CIBC, Corpay, or any provider. Your dealer no longer sets the agenda.
- Recommendation-only. Coverage flags come from your written policy, not from anyone's incentive to trade more.
The arithmetic.
Enterprise treasury platforms start near CAD 50,000 a year and assume a dedicated team to run them. A 5% move in USD/CAD on CAD 3M in annual payables is CAD 150,000.
Most SMEs carry that risk with no policy and no coverage view. PolicyFX gives one operator a written policy, a coverage view, and an audit trail the board can read.
The company.
PolicyFX Inc. is a privately held Canadian corporation, founder-led and intentionally small. Built in Canada. Hosted in ca-central-1.
We measure success by the trust of the finance teams who rely on us, not by the size of a customer roster.