Stablecoins

Our fiat banking accounts sit on both ends to the route with stablecoins liquidity in the middle

From Local Fiat to Global Settlement

Stablecoin route uses digital assets as a bridge; delivering faster, cheaper, and more transparent international transfers

0.75–1.5%Massive savings

Down from the 3–7% total fees of traditional rails

2–5 minLightning fast

Instant settlement versus 3–5 banking days

7×24Always-on settlement

No cutoffs. No bank hours. No waiting.

Traditional Banking

Your bankInitial processing
Correspondent bankCurrency conversion
Intermediary bankRouting & compliance
Destination bankFinal settlement

Currency exchange rate2–4%
Wire transfer fees€25–50
Intermediary fees€15–30

Stablecoin Route

Initial currencyUSDFunds are collected through your CoinOTC bank account from an approved first- or third-party sender
Stablecoin bridgeUSDTUSD is converted into USDT for fast FX execution and cross-border settlement
Final currencyEUREUR is settled through your CoinOTC bank account to an approved first- or third-party beneficiary

Conversion fee0.75–1.5%
Network fee€1
Intermediaries€0

A Stablecoin Route from Origin to Destination

Your own route through your preferred fiat currencies for your specific needs

Origin

Fund Mexican Peso

Receive MXN through a supported rail into the approved origin account.

Conversion

Execute MXN / USDT

Review firm OTC pricing and confirm the agreed amount.

Bridge

Settle in USDT

Move USDT over the supported network between the approved settlement addresses used for the route.

Destination

Receive BRL

After receipt at the destination settlement address, execute the USDT / BRL conversion and settle BRL to the previously approved bank account through the supported rail.

Fiat Currency Coverage

Supported fiat currencies for funding and settlement through local and international payment rails

EUR
EuroSEPA & SEPA Instant
USD
US DollarACH & Fedwire
CAD
Canadian DollarInterac
MXN
Mexican PesoSPEI
BRL
Brazilian RealPIX

USDT

Tether USDEthereum, Tron & Polygon

Built for

Built for Global Operators

Select a client profile to explore common stablecoin operating workflows.

PSPs

Cross-border payouts

Coordinate payouts through supported fiat and stablecoin rails.

Merchant settlement

Settle merchant balances across currencies through one operating route.

Liquidity routing

Move liquidity between fiat accounts and stablecoins as payment demand changes.

Fintechs

Stablecoin funding and redemption

Connect supported fiat funding to stablecoin conversion and settlement.

International collections

Receive supported currencies and route funds into treasury or payout workflows.

Embedded settlement workflows

Connect product operations to CoinOTC's fiat access, liquidity, and settlement layer.

Treasury Companies

Treasury rebalancing

Reposition working capital between supported fiat and stablecoin balances.

Vendor and payroll payments

Coordinate approved payments across currencies and jurisdictions.

Time-sensitive settlement

Use stablecoins to move value between local banking windows.

High-Compliance Businesses

Whitelisted settlement

Send funds only to previously approved accounts and crypto addresses.

Approved third-party payments

Coordinate payments using documented beneficiary instructions.

Reconciliation and audit trail

Maintain clear records across conversion and settlement stages.

Workflow availability depends on onboarding, jurisdiction, counterparty approval, and the agreed operating setup.

Why stablecoin rails

Pay Less, Move Faster, Reconcile Cleaner

A compact comparison of traditional cross-border payment operations versus a CoinOTC stablecoin settlement route.

OperationTraditional railsCoinOTC stablecoin route

Payment path

Multiple banks, references, and manual follow-ups

One coordinated fiat, stablecoin, and settlement workflow

Time

Often 3-5 business days for cross-border wires

Designed for minutes once accounts and liquidity are ready

Cost profile

FX margin, wire fees, and intermediary deductions

Reduced FX drag with transparent OTC and stablecoin routing

Operating hours

Bank cutoffs, holidays, and regional time zones

Always-on stablecoin movement for urgent settlement windows

Reconciliation

Fragmented statements across banking partners

Clear route stages for fiat in, stablecoin bridge, and payout