You can do that in many forms. You can go to a (daytrading) firm who either actually buys exactly what you tell them, or they pool up the clients' positions in

You can do that in many forms. You can go to a (daytrading) firm who either actually buys exactly what you tell them, or they pool up the clients' positions in some way to decrease their transaction costs. FX market is extremely liquid and fully automatized, settlement is usually done in batches but retail clients do not need to worry about that. Obviously there are contracts behind this, but there's no need to write a new contract every single time. There are other forms of FX trading. For example, you can go to 'betting' sites to bet on currency rate movements -- for example, in the UK this is usually better for retail clients than normal FX trading as the profits fall under betting profits and not trading profits, and the former are lower. (Ridiculous, I know.)