Architecture Breakthrough

Sep 7, 2026 · Industry Insights

Why Banks Offer Only a Few Currencies: The 80/20 Rule in Forex

This article analyzes why banks support only a small subset of global currencies, using data from China's major banks and BIS 2025 FX market shares to show how convertibility, repayability, and internationality drive selection, and how currency-pair math (8 currencies → 28 pairs) covers 99% of retail demand.