Consumers typically come into contact with monetary transformations when they travel. They go to a bank or bureau to convert one type of funds (typically, their "HomeCurrency") into another so they can pay for goods and services. Businesses typically have to convert currencies when they conduct business outside their home country. For example, if they export goods to another country and receive payment, then the payment must often be converted. Similarly, if they have to import goods or services, then businesses will often have to pay, requiring them to first convert their funds into the proper form.

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