Pay by invoice
Send one invoice. Get paid in crypto, settled in your currency.
Your client pays from their own wallet in USDC or major crypto. Xchange360 converts it, settles it to your bank account and matches it to the invoice. You don’t have to hold crypto at all.
In brief
What is crypto pay-by-invoice?
Crypto pay-by-invoice lets a business bill a customer and accept payment in stablecoins or crypto against that invoice. Xchange360 issues the payment instruction, settles the incoming value, and delivers reconciled funds, so the business is paid quickly across borders without holding volatile assets.
The problem
Cross-border invoices stall in the banking system
Correspondent banking adds days, fees and FX spread to many international invoices, and some corridors simply will not clear. Customers who want to pay in crypto have no straightforward way to do it.
| Bank wire | Invoice via Xchange360 | |
|---|---|---|
| How your client pays | An international bank wire | From their own wallet, in USDC or major crypto, via your payment link |
| Time to funds | Often one to several business days, depending on the corridor | Typically same day, depending on the payout corridor |
| Intermediaries | A chain of correspondent banks, each able to deduct fees or add FX spread | No correspondent chain between your client and you |
| Tracking | Varies by bank, often a manual trace request | Confirmed on-chain, with the status on the invoice |
| Reconciliation | Matched by hand from a statement reference | Every payment mapped to its invoice |
Xchange360 turns a slow, uncertain payment into fast, reconciled settlement.
How it works
From sent to settled, on one record
Issue the invoice
Bill in euros with your line items, VAT and reference. Share the payment link, or embed it in the billing you already use.
Your client pays in crypto
They open the link, pick USDC or another supported asset, and pay from their own wallet by QR code or address.
We convert and settle
Xchange360 confirms the payment on-chain, converts it at execution and settles it to your bank account or your own wallet, or keeps it as digital assets in segregated custody.
Matched and recorded
The payment is matched to its invoice, leaving a clean, auditable record for your finance team.
Settlement
Settled the way your treasury wants
Fiat to your bank account
Converted at execution and paid out to your business account, so you don’t need to hold crypto yourself.
On/off-rampUSDC to your wallet
Keep the value in USDC for supplier payments or payouts, sent to your own wallet.
Crypto payoutsHeld with Xchange360
Keep the value as digital assets in segregated custody with Xchange360, ready for treasury, trading or payouts.
Treasury
Who it’s for
Exporters and commodity traders invoicing across borders
Service firms and platforms billing international clients
Trade-finance and cross-border businesses in hard corridors
Any B2B seller whose customers want to pay in crypto
FAQ
Common questions
Do I have to hold crypto?
No. Payments can be converted to stablecoins or fiat at settlement, so you are not exposed to price movement and you receive the invoiced amount.
Is this a regulated service?
Payments run through Xchange360’s regulated entities. Availability depends on jurisdiction and eligibility.
How fast do I actually get paid?
Crypto settlement clears in minutes on-chain, and Xchange360 reconciles and pays out far faster than correspondent banking — same-day rather than the several days a cross-border wire can take. Exact timing depends on the payout corridor and any local off-ramp on the destination side. Talk to the desk for timing on a specific corridor.
What does pay-by-invoice cost?
Pricing is quoted per business based on your needs. There is no correspondent-banking FX spread or intermediary chain, so the total landed cost is typically lower than a traditional cross-border wire. Contact the desk for a quote against your invoice flow.
Which stablecoins and currencies can customers pay in?
Customers can settle in major stablecoins and leading crypto assets, and you receive reconciled value converted to stablecoins or fiat at execution. Which assets and which fiat payout currencies are available depends on your corridor and eligibility. The desk can confirm the specific assets supported for your markets.
Does it fit my existing invoicing and accounting workflow?
Yes, you can share a payment link or embed the payment request into your existing billing, and every payment maps back to its invoice with a clean, auditable record for reconciliation. This keeps your finance team’s ledger and workflow intact rather than forcing a separate system. Integration depth depends on your billing stack.
Can a crypto invoice payment be reversed or charged back?
On-chain crypto settlement is final once confirmed, so there is no card-style chargeback risk for the seller, a key advantage over card and some bank rails. Every payment is matched to the invoice it settles, so you keep a clean record of what was paid and against what.
Which countries and corridors are supported?
Xchange360 targets cross-border corridors where banking is slow, costly or closed, with local off-ramps on the destination side so value can actually be used. Coverage is not universal and depends on licensing and banking in each market. Availability for your specific corridors depends on jurisdiction, so talk to the desk.
