About AllRatesToday
We build transparent, developer-friendly tools for working with currency exchange data. Here's who we are, where our data comes from, and why we started.
Why We Built This
AllRatesToday started from a frustration every fintech developer knows: most free exchange rate APIs either serve stale data updated once a day, hide a retail markup in the rates, or don't name their data source at all. When compliance asks "where does this rate come from?", answering "an API" is not enough.
We wanted a service that was transparent about its data source, returned real mid-market rates (no hidden markup), and updated in real time — not once daily from the ECB. So we built it.
Where Our Data Comes From
Transparency about data provenance is critical for financial applications. Here is exactly where our exchange rates originate:
Primary Source: Reuters (Refinitiv) via Wise Infrastructure
Our exchange rates come from Reuters (Refinitiv) and interbank market feeds, accessed through the Wise (formerly TransferWise) data infrastructure. These are mid-market rates — the true rate between currencies before any bank markup is applied.
This is the same data tier used by Google Finance, XE, and Bloomberg for their rate displays. It represents a Tier 2 data source (licensed institutional provider), one step below central banks and one above aggregated or scraped sources.
- Rate type: Mid-market (interbank) — no retail spread or markup
- Update frequency: Every 60 seconds, live on each API request
- Coverage: 160+ currencies including major, minor, and exotic pairs
- Audit trail: Every rate response includes a timestamp and source identifier
How We Process Rates
We don't modify, adjust, or apply any spread to the rates we serve. The rate you receive from our API is the same mid-market rate our upstream source provides. Our infrastructure adds:
- Edge caching via Cloudflare's global network for low-latency worldwide delivery
- Authentication & quota management so we can keep the service sustainable
- Historical storage so you can query past rates for reporting and reconciliation
- Official SDKs for JavaScript, Python, PHP, and React to reduce integration time
Who Is Behind AllRatesToday
Every article, API endpoint, and data decision at AllRatesToday is made by people with real experience in fintech and financial data systems.
Madhushan
Madhushan is a software engineer with over 8 years of experience building fintech APIs and data infrastructure. He founded AllRatesToday to give developers acce...
AllRatesToday Editorial
The AllRatesToday editorial team produces in-depth guides on currency exchange, API integration, and international payments. Every article is written by develop...
Our Editorial Standards
AllRatesToday is a YMYL (Your Money or Your Life) site. We take content accuracy seriously:
Named Authors
Every article has a named author with a linked bio page showing their expertise and credentials.
Technical Review
Financial and technical content is reviewed by a domain expert before publication.
Named Data Sources
We always name our data source. We never use vague language like "multiple commercial sources."
Regular Updates
Articles are reviewed periodically and updated when market conditions or API features change.
Contact Us
We're a real team building a real product. If you have questions about our data, methodology, or want to discuss enterprise needs:
- Support: allratestoday.com/contact
- GitHub: github.com/allratestoday
- LinkedIn: AllRatesToday
Ready to get started?
Explore our API documentation or get your free API key today.
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