# Currency Spread

The currency spread feature lets merchants add a percentage on top of exchange rates to protect against currency fluctuation when accepting non-USD fiat payments through POS terminals.

## How It Works

When a customer pays in a non-USD fiat currency (e.g., BRL, EUR), the system converts the fiat amount to USD/crypto using exchange rates from the European Central Bank. The spread adjusts this rate so the merchant receives slightly more crypto, covering potential rate movement.

**Example with 2% spread on BRL:**

* Base rate: 1 USD = 5.80 BRL
* Adjusted rate: 1 USD = 5.684 BRL
* Customer pays 100 BRL -> merchant receives 17.59 USDT (instead of 17.24 USDT without spread)

## Configuring Spread

1. Go to **Dashboard > POS > Currencies**
2. Find the **Exchange Rate Spread** card
3. Set a **Default Spread** (applies to all currencies)
4. Optionally set **per-currency spreads** for enabled non-USD currencies (overrides the global default)
5. Click **Save Currency Settings**

### Settings

| Setting             | Description                                                                                            |
| ------------------- | ------------------------------------------------------------------------------------------------------ |
| Default Spread      | A global spread % applied to all non-USD currencies                                                    |
| Per-Currency Spread | Override spread for a specific currency. If set, it replaces the global default for that currency only |

### Constraints

* Spread must be a positive number less than 100%
* USD does not support spread (it's the base currency)
* Only enabled currencies show per-currency spread inputs

## What the Customer Sees

On the POS terminal screen, the customer sees the adjusted exchange rate. There is no "spread" label -- it appears as the current exchange rate. The crypto amount they need to pay reflects the spread-adjusted conversion.

## Server-Side Validation

The spread is applied client-side on the POS terminal for display, but validated server-side when the payment is created:

1. The server fetches the merchant's spread settings and the current base exchange rate
2. It calculates the expected adjusted rate
3. If the client-sent rate deviates by more than 1% from the expected rate, the server recalculates using the correct rate
4. The payment record stores the spread percentage applied for audit purposes

## Troubleshooting

| Issue                              | Solution                                                                                                     |
| ---------------------------------- | ------------------------------------------------------------------------------------------------------------ |
| Spread not applying                | Ensure you saved settings after making changes. Only non-USD currencies support spread                       |
| Rate looks different than expected | Exchange rates update every 30 minutes. The displayed rate may differ slightly from the rate at payment time |
| Per-currency spread not working    | Make sure the currency is enabled in the Enabled Currencies section                                          |


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