The complaint about bank FX is always the same and always unquantified. Putting the applied rate next to the mid-market one gives you basis points and a currency amount, and the report call is what makes that usable in front of a CFO rather than in an argument.
A remote server for foreign exchange forensic auditing. Give it the amount, the currency pair and the rate your bank applied, and it compares that against the real mid-market rate and returns the hidden spread in basis points, a forensic score from 1 to 10, and the total lost to hidden fees. A separate call produces the full report from a previous audit.
- The current mid-market rate for any currency pair — free, no authentication
- A transaction audited against that rate: spread in basis points, a forensic score of 1 to 10, and the amount lost
- Rates compared across several sources at once, with discrepancies flagged and the most favourable identified — the multi-bank and multi-broker case
- A complete forensic report from a previous audit's id, with spread history, narrative analysis and a certified audit trail, for CFO review or FINTRAC documentation
A client that accepts a remote endpoint, pointed at the hosted Cloudflare Worker at https://wild-bird-a412.ybolduc.workers.dev/mcp. Rate checks and source comparison are free and need no authentication; transaction audits are 3 free per month per IP; the full forensic report needs a bearer token and is charged per report.
One command — npx -y smithery skill add ybolduc/ipayx-fx-auditor