The Midpoint Concept The Evolution of Exchange The evolution of the online business has increasingly driven a more dynamic interface between the service provider and the user. This has dramatically increased efficiencies while at the same time reducing costs. Midpoint harnesses the advantages of global connectivity to any business or individual wanting access to fair and transparent Foreign Exchange. Eliminating Banks from the FX Transaction Midpoint is a peer to peer Foreign Exchange and International Payments Platform that eliminates "the middlemen" from the foreign exchange component of the transaction. By directly matching businesses and individuals with opposite currency needs, we are able to eliminate the 'spread or margin' component from all transactions. This is the mechanism by which banks and brokers generate billions in additional profits each year in the global foreign exchange markets. Transparent Fees & Rates Our fees and rates are clear and transparent. We charge a single flat fee, depending on the amount of your transaction. This includes the delivery of funds to your Payee's bank account. Our rate is always the midpoint of the current Interbank rate and is set at the time of a currency match.