Independent FX reference, reviewed by a desk veteran.
kefinance.xyz is a single-purpose site: a transparent currency converter using cross-rate logic, surrounded by reference material that an ex-bank FX dealer is willing to sign her name to. No commission relationships, no rebrokering, no lead capture.
Why this site exists
Online currency converters are a standardised disappointment. They display a single rate, do not name the source, do not date it, and are usually computed via the US dollar with the cross-rate hidden from view. For most retail use the result is good enough; for any user trying to evaluate a dealer quote, plan a hedge, or audit a past transaction, it is uselessly opaque.
kefinance.xyz publishes the rate, the inverse, the cross-rate derivation, and the date. The math is the standard cross-rate identity. The reference table is sourced from the European Central Bank with a major-bank cross-check. The reviewer has spent seven years on a real FX desk and is named.
Editorial principles
- Auditable rates. Every figure is tied to a sync date and a stated source. Stale tables are flagged.
- Cross-rate transparency. The derivation A/B = (A/USD) / (B/USD) is shown explicitly.
- Mid-market only. Reference rates are mid-market. Spreads and fees are discussed on dedicated pages, not absorbed silently into the headline figure.
- No commission. The site does not earn referral fees from any FX broker, money-transfer service, or card issuer.
- Privacy by architecture. The converter runs in your browser. Amounts and pairs are not transmitted, logged, or stored.
The team
kefinance.xyz is operated as a small editorial project alongside Klara's independent FX advisory practice. Klara reviews every release of the converter and every page of reference content before publication. She holds final editorial authority and is the named accountable person for every figure on the site.
A part-time data engineer maintains the rate-sync pipeline (ECB XML feed parsing, cross-rate consistency checks, sync-timestamp logging). The engineer is named in the public changelog only when their input has produced a substantive change.
How rates are sourced and verified
- ECB reference rates. Daily 16:00 CET ECB reference rates for the 30 currencies the ECB publishes against the euro.
- Bank mid-quote cross-check. A major-bank mid quote for each pair at the same timestamp. Discrepancies greater than 0.05 % block publication and trigger manual review.
- USD-base normalisation. All rates are converted to USD-base for cross-rate computation. The bundled table is the normalised set.
- Round-trip test. Every cross-rate is verified to round-trip (A→B→A) within 1e-10 tolerance.
What this site is not
- It is not a live FX feed. The bundled table is a daily snapshot. For live rates, use a regulated execution platform.
- It is not regulated investment advice. The reference content explains FX mechanics; it does not recommend trades.
- It is not a money-transfer service. We do not execute transactions or hold customer funds.
- It is not tax-aware. For tax-purpose conversions, use the rate published by your tax authority.
Get in touch
Calculation queries, sync-discrepancy reports, accessibility issues, and partnership enquiries are all handled through the contact page. We commit to acknowledging every well-formed message within 24 business hours.