Credit value date for payment transactions with currency conversion

As a credit entry on an account is possible only in the currency the account is maintained, does this mean that for a payment transaction the credit value date for the payee's account is no later than the business day on which the amount in the payee's account currency is credited to the payee's payment service provider's account?

A credit transfer in a currency other than the currency in which the payee's payment account is maintained (e.g. (a) credit transfer in SEK and payee's payment account in EUR or (b) credit transfer in USD and payee's payment account in NOK or (c) credit transfer in JPY and payee's payment account in CAD) requires selling the currency of the credit transfer and buying the currency in which the payee's payment account is maintained. Thus, a credit transfer with currency conversion requires a spot contract as the payment service provider needs to exchange one currency against another currency. For such spot contracts Regulation (EU) 2017/565 Article 10 (2) sets clear time frames for execution, in case of 'major currencies' (see Regulation (EU) 2017/565 Article 10 (3)) two trading days. This means that the amount in the currency of the payee's account is credited to the payee's payment service provider's account in two trading days. In case this day is also a business day of the payee's payment service provider, this is (at the latest) the credit value date for the payee's account. Otherwise, if the credit value date for the payee's payment account would be the business day on which the amount of the credit transfer, irrespective of the currency of the credit transfer and the currency of the payee's payment account, the payee's payment service provider would be exposed to interest rate risk (the payee's payment service provider has to pay interest for the amount on the payee's payment account (if applicable) although the payee's payment service provider himself does not have the amount in this currency), liquidity risk (the payee can withdraw or transfer the credited amount although the payee's payment service provider himself does not have the amount in this currency) and foreign exchange risk (in case the necessary spot contract is settled with another exchange rate than the credit transfer with currency conversion). According to Article 82 (2) Directive (EU) 2015/2366 the Article 87 is not at the disposal of the parties. Thus, in order to avoid these risks some payment service provider may declare that they do not process credit transfers with currency conversion anymore (instead customers would have to open an account in the currency of the payment transaction or have to do a separate spot contract) which would lead to a decrease of service quality for payment service users.