Solution // 05 · ATM-Enabled FX

Currency Exchange

Flexible, configurable currency exchange logic across ATM models and device types — from dedicated FX kiosks to hybrid multi-function terminals. Rates, margins, and supported currencies are managed centrally, with full operator control.

The challenge and our approach

Flexible currency exchange across ATM models and device types, in two operating models.

On cash recyclers, customers buy and sell currency at the terminal: foreign currency goes in, the exchange engine applies the rate, local cash comes out. On cash-out ATMs, Dynamic Currency Conversion (DCC) lets a foreign cardholder choose to be charged in their own currency. In both cases rates, transaction rules and reporting are managed centrally.

  • 24/7 currency service — exchange outside branch hours.
  • More from existing terminals — FX on ATMs and recyclers you already run.
  • Central control — rates and rules managed in one place.

What we deliver

05.1

Recycler-based exchange

Local currency buy / sell on cash recyclers — foreign currency in, local cash out.

05.2

Dynamic Currency Conversion

DCC on cash-out ATMs: the cardholder chooses the currency of the transaction.

05.3

Exchange engine

Rate calculation and transaction logic shared across devices.

05.4

Central rate & rule management

Exchange rates and transaction rules controlled for the whole network.

05.5

FX reporting

Centralised reporting on exchange operations by currency and location.

05.6

Any device, any model

Support for different devices, currencies and operational models.

Let's build the next layer of your banking technology.

Software Engineering, Systems Integration and AI for Financial Institutions.

ATM · Payments · Cash Operations · AI · Integration

Who We Are

KometaOne develops and integrates software solutions for banks and financial institutions. Our work extends existing banking infrastructure rather than replacing it — we add capabilities, connect systems and support long-term technology evolution.