**Update:** I moved over to [Xe](https://openreddit.link/xe-corporate-link) for my KRW supplier payments, and it’s solved the problems I was having. They allow me to trade KRW 24/7, so I don’t have to worry about Korean market hours anymore. Settlement typically lands within 2 days, and the FX rates have been consistently sharper than what my bank was offering. After years of losing sleep (and money), I finally feel confident making supplier transfers. I import Korean skincare products (I’m in the U.S. if that matters), and one of my biggest pain points has been paying suppliers in KRW. My bank can’t process KRW transfers during Korean market hours, and when the payment finally clears, the FX rates are awful. Half the time I’ve had to stay up until 2 a.m. just to make sure funds landed on time. Is there a better way to handle cross-border KRW transfers, especially something that works better with the time zone difference?