Multi-Currency Support

Agni Folio is built for investors whose money lives in multiple currencies. A holding in US stocks, an Indian fixed deposit, a London property, and a Singapore-dollar bond all coexist in one unified net-worth view — automatically converted to your preferred display currency using real-time FX rates.

Three currency layers

Layer	What it is	Set where	Example
Holding currency	The currency the asset is denominated in	Auto-detected per entry	AAPL = USD, RELIANCE.NS = INR
Account base currency	The currency the account naturally operates in	When you create the account	Schwab Brokerage = USD
Display currency	What you see across the dashboard	In Settings → Preferences	Your global default, e.g., USD

When these differ, Agni Folio converts using the current FX rate. A USD-denominated AAPL holding in your INR Zerodha account, displayed in EUR, traverses two conversions — and both happen server-side for accuracy.

Supported currencies

17+ currencies with daily auto-updated rates: USD, EUR, GBP, INR, JPY, CAD, AUD, SGD, CHF, HKD, CNY, AED, SAR, ZAR, NZD, SEK, NOK, and growing.

The full list is in Settings → Preferences → Display Currency.

Daily FX rate refresh

Exchange rates update once per day at 2 AM UTC via a scheduled job. Sources are a combination of:

• Major fiat pairs (USD, EUR, GBP, INR, etc.) — from a tier-1 FX data provider
• Crypto/fiat pairs — from CoinGecko
• Cached for the entire day to keep page loads fast

Note

For intraday traders, “daily refresh” means your portfolio’s converted value reflects yesterday’s close FX rate during the trading day. For long-horizon investors (the typical Agni Folio user), this is fine — daily rates are accurate enough for net-worth tracking. If you need real-time FX for a specific position, your broker’s app is the right tool.

Currency conversion is server-side only

This is a strict architectural rule in Agni Folio: all currency conversion happens on the backend, never in your browser.

Why this matters:

• Avoids float-precision drift across JavaScript engines
• Single source of truth for FX rates (no version skew between cached browser data and backend)
• Tax-relevant calculations (realised gains in display currency) are deterministic and auditable
• Performance: one cached conversion per holding, not per render

The frontend only displays pre-converted values. If you ever see a number that doesn’t add up, the bug is on the backend, not your browser.

Changing your display currency

Switch display currency in Settings → Preferences → Display Currency. The entire dashboard recomputes — holdings table, performance view, AI insights, all immediately reflect the new currency.

There’s no per-page override. The display currency is a single global setting.

Cross-currency edge cases

• Crypto quoted in USD or stablecoins (USDT, USDC) — treated as USD for FX purposes
• GBp (pence) vs GBP — UK stocks sometimes quote in pence (multiply by 100); Yahoo Finance handles this internally, Agni Folio reflects the corrected value
• Currencies with no daily quote — fall back to the last known rate; flagged in the UI if more than 7 days stale

What’s next

• Accounts — each account has a base currency you set at creation
• Tracking Investments — how holdings inherit currency from the asset
• Portfolio Insights — the dashboard where all currencies converge