<p>Are your international payments costing you far more than you realise?</p><br><p>In this episode of Muhami Matters, Chris Adams speaks with <strong>Tony Redondo</strong>, founder of <strong>Cosmos Currency Exchange</strong>, who draws on more than forty years of global banking and FX experience to explain how SMEs and professionals lose money every day when moving funds across borders.</p><br><p>Tony breaks down the real reasons behind hidden costs, confusing margins, international banking fees and compliance delays. He also explains why a human-led approach can offer better timing, better rates and better protection than many automated platforms.</p><br><p>In this conversation, we explore:</p><br><p>• How banks and payment platforms hide margins and fees</p><p>• Why the banking system is not always the safest option</p><p>• How timing affects FX rates and why weekends are risky</p><p>• What SMEs must understand before sending or receiving funds</p><p>• How compliance works and how to make onboarding faster</p><p>• What red flags and green flags to look out for in any FX provider</p><p>• Real examples of how clients lose and gain money through FX timing</p><br><p>This episode is essential listening for any SME, entrepreneur or professional who works with international payments and wants to protect their business from unnecessary losses.</p><p><br></p><h3><strong>👤 Guest:&nbsp;</strong></h3><h3><strong>Tony Redondo</strong></h3><p><br></p><p>Cosmos Currency Exchange</p><p>Website: https://cosmoscurrencyexchange.com/</p><p>LinkedIn: https://www.linkedin.com/in/tony-redondo-currency-transfers-with-a-difference/</p><p><br></p><h3><strong>🎙 Host:&nbsp;</strong></h3><h3><strong>Chris Adams</strong></h3><p><br></p><p>Muhami Matters: https://muhami.ae/muhami-matters/</p><p>CJA Consulting: https://www.cjaconsult.com</p><p>LinkedIn: https://www.linkedin.com/in/chrisadamsdxb/</p><p>Visit www.muhami.ae for legal knowledge and to connect with lawyers who can solve your legal issues.</p><p>Visit www.cjaconsult.com for marketing &amp; business development services catering to professionals</p><hr><p style='color:grey; font-size:0.75em;'> Hosted on Acast. See <a style='color:grey;' target='_blank' rel='noopener noreferrer' href='https://acast.com/privacy'>acast.com/privacy</a> for more information.</p>