How do you handle multi currency and cross border?

Multi currency Laravel applications use a strict pattern: every monetary amount stored with its currency code (never assumed), all conversions happen at explicit boundaries with documented exchange rates, ledger postings are in the originating currency with derived reporting in functional currency. Cross border payments integrate with providers like Currencycloud, Wise Business, or direct correspondent banking partners. FX risk handling, settlement delay modelling, and regulatory reporting (BSA, FinCEN, OFAC) baked into the architecture from day one. Multi country deployments use region specific data stores with strict cross border controls aligned to local data residency requirements.