Accept crypto payments. Settle in fiat.
Never hold crypto

A business accepts crypto payments by using a regulated provider that takes the crypto or stablecoin against an invoice, converts it at settlement, and pays the business in fiat. Xchange360 settles through licensed entities with KYC/AML, so the seller is paid in clean fiat without holding volatile assets.

No. Payments are converted to fiat or stablecoins at settlement, so your business is never exposed to price movement.

Settlement is in the fiat you bank in, across supported corridors. Availability depends on jurisdiction and eligibility. Talk to the desk for your markets.

Start with a payment link, add a hosted gateway, or integrate the API into your invoicing, whichever fits your stack.

Pricing is quoted per business based on your needs. Because we convert at settlement, the amount you invoiced is the amount you keep, and the conversion and settlement cost is set out up front. Talk to the desk for a quote against your flows.

Customers can pay in major stablecoins and leading cryptocurrencies across supported corridors; whatever they send is converted to your fiat at settlement. Exact accepted assets depend on your markets and eligibility. Talk to the desk to confirm the coins that apply to your customers.

Payments run through our regulated entities and convert at execution, so settlement is fast relative to cross-border bank wires, often within hours on supported corridors rather than days. Exact timing depends on the corridor and your settlement account. The desk can confirm expected timing for your markets.

Crypto settlement is not subject to card-style chargebacks, so a confirmed payment cannot be pulled back by the payer, which removes a common source of fraud loss. If you need to refund a customer, that is handled as a separate payout rather than a reversal. Talk to the desk about how refunds fit your billing.

An exchange leaves you holding and managing crypto yourself; a card processor cannot take stablecoin or cross-border crypto payments at all. Xchange360 sits between the two — your customer pays in crypto, licensed entities handle KYC/AML and conversion, and you receive reconciled fiat without ever holding a digital asset. It is a payments product, not a trading account.

Customers pay from wherever they already hold crypto. They follow the payment link, gateway or API flow and settle from their own wallet or account. There is no requirement for them to open an account with Xchange360 to pay you. KYC checks apply within the compliant flow depending on the payment and jurisdiction.