A system comprises a memory operable to store a customer account, a first float account, and a second float account. The system further comprises a processor communicatively coupled to the memory. The processor may receive an electronic request for a currency exchange and determine exchange rates for exchanging a first currency for a second currency. The processor may also determine an optimal exchange rate. In response to determining the optimal exchange rate, the processor may determine a first amount of the first currency and associate the first amount with the customer account. The processor may also transfer the first amount of the first currency into the first float account and determine a second amount of the second currency. The processor is further able to associate the second amount with the second float account and transfer the second amount of the second currency to the customer.