Why are the exchange rates lower than real-time values?

Why are the exchange rates lower than real-time values?

We assure you that exchange rate you see  at the time of donation is purely notional - funds raised in all foreign currencies (we support around 12+ international currencies apart from INR)  are held in our US custodian account and transferred as $ when the organizers request the same.
 
The exchange rate they receive in Rupees is based on the date of receipt of funds through their bank. For example, the current (27-04-2021) notional FX rate on site is  52 INR / SGD whereas the equivalent  FX rate at the time of transfer (on 27-04-2021) to the recipient is around ~ 55 INR / SGD
 
The notional value of keeping a slightly lower exchange rate for display is to ensure that fundraisers don't suffer from a shortage should there be a fluctuation/volatility in currency movements. So we are conservative with our display. Please note that we make no money directly or indirectly in FX arbitrages or floats associated with it.

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