FX disclosure is a control, not a marketing line
Customers see a rate, a fee, and an arrival estimate. Auditors should see the source of that rate, the markup rule, and the partner SLA that supports the estimate. When those three do not line up, the brand is marketing a corridor it cannot evidence.
FX and remittance control audits sample transactions across quiet and peak windows. Peak windows matter: many gaps appear when a secondary rate feed kicks in and the UI still shows the primary feed’s confidence language.
Treat disclosure as part of the payment path, not a copy deck.