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In cross-border trade, timing is everything. But for most African businesses, timing is also what they don’t control.
When your supplier sends an invoice, you rush to buy FX, even if rates are terrible. You scramble for liquidity. You absorb rate shocks. And sometimes, you simply can’t move fast enough to take advantage of market dips.
That’s the reality most importers, exporters, and financial institutions face: a system that makes FX reactive, not strategic.
With Cedar HOLD, we’re changing that.
Cedar HOLD gives businesses the freedom to decide when to buy, when to hold, and when to pay, all from one secure account. It’s not just a feature; it’s a smarter way to manage your business treasury.
In volatile FX markets across Africa, from the naira to the cedi, shilling, and rand, businesses lose millions each year, not because of inefficiency, but because of timing.
When you’re forced to buy FX at payout time, you’re playing defence. By the time rates spike, it’s too late to act.
Cedar HOLD turns FX management into a proactive advantage. Instead of reacting to the market, you plan around it.
With HOLD, your business can:
And because everything happens within your Cedar account, you get total visibility and control over your funds.
Cedar HOLD is built to give you complete flexibility without added operational or additional compliance requirements.
Here’s how it works in practice:
Convert your local currency (NGN, GHS, ZAR, KES, etc.) to USD directly from your Cedar dashboard.
You can place market orders and lock in favourable rates ahead of payout time, instead of waiting until invoices are due.
Example:
If you’re an importer expecting to pay a supplier in 30 days, and the USD/NGN rate drops today, you can buy now, hold in your Cedar balance, and pay later, effectively locking in your savings.
How to Buy:
Once your FX is purchased, it sits securely in your Cedar balance, ready whenever you are.
Holding FX in your Cedar account helps you:
Idle local cash shouldn’t lose value while waiting for payments. With HOLD, your USD balance preserves your purchasing power until you need it.
When your invoice is due, pay your global suppliers directly from your stored balance.
You can send payments to over 190+ countries in USD, EUR, GBP, or CNY, without having to scramble for liquidity, experience the usual delays, or wait for manual approvals.
How to Pay:
It’s so much easier and faster to execute on your terms. 12qa
FX should be a strategic advantage, not a liability.
Yet, most African businesses today buy currency under pressure. Rates rise, invoices are due, and payments stall. Margins erode quietly, not because of bad business, but because of bad timing.
Cedar HOLD changes that by separating when you buy from when you pay.
That separation gives you what every business needs: control.
With HOLD, you:
It’s treasury management designed for African realities and global standards.
Every HOLD account operates within Cedar’s regulated framework, built to meet international standards without adding new licensing burdens for your business.
Our infrastructure partners are licensed and regulated, and our platform is designed to keep your funds safe and your operations compliant.
That means you can buy, hold, and pay across borders confidently, knowing that Cedar has done the heavy lifting on compliance, security, and reporting.
Cedar HOLD is built for African businesses that transact globally.
That includes:
If FX volatility affects your margins, HOLD is for you. Now you can: buy when it’s smart, hold because it’s safe and pay when it’s time.
Whether you’re paying suppliers, managing treasury, or planning cross-border growth, HOLD gives you one account and total control.
