Title: B2B Stablecoin Payments and Rails | Sentvia Source: https://www.sentvia.com/platform/payments Description: B2B stablecoin payments over stablecoin and bank rails: receive USDT or USDC, convert at a locked rate and pay approved beneficiaries in USD, EUR, GBP or AED. --- 1. [Home](https://www.sentvia.com/) 2. [Platform](https://www.sentvia.com/platform) 3. Payments Payments # B2B stablecoin payments across stablecoin and bank rails Your customers want to pay in USDT or USDC; your suppliers, payroll and bank want dollars, euros, pounds or dirhams. Sentvia runs B2B stablecoin payments across both: stablecoin payment rails on one side, bank rails on the other, with a rate you lock before you send and an account in your company's own name at the end. Last reviewed 19 October 2026 [Begin onboarding](https://onboarding.sentvia.com/) [Talk to our team](https://www.sentvia.com/help) At a glance_Sentvia_ Receive USDT, USDC and EURC, or fiat into named accounts Send First-party, and third-party to approved beneficiaries Fiat rails SWIFT, SEPA, Faster Payments, UAE local transfer Controls Approval controls on outgoing payments ## What Sentvia Payments is Payments is the part of the [Sentvia platform](https://www.sentvia.com/platform) that moves money in and out. It connects two systems that don't talk to each other on their own: blockchains, where stablecoins move, and bank rails, where your suppliers, staff and bank expect to be paid. You receive on one, convert at a rate you approve, and send on the other, or on the same one. Everything settles to accounts in your company's own legal name, provided through regulated banking partners, and every outgoing payment passes through approval controls you define. ## How it works ### Receiving You can be paid in either form: - **Stablecoins.** USDT and USDC convert to US dollars, euros, pounds sterling and UAE dirhams; EURC converts to euros. You request a quote, approve it to lock the rate, and the payer sends the stablecoins to the address we give for that conversion. We screen them on arrival, convert them, and pay the fiat into your named account. - **Fiat.** Payers send bank transfers to your [named IBAN account](https://www.sentvia.com/platform/named-iban-accounts) like any other business account, with your company as the beneficiary. If you are setting up to take stablecoins from customers for the first time, our guide to [accepting stablecoin payments as a business](https://www.sentvia.com/guides/accept-stablecoin-payments) covers the choices to make before the first one arrives. ### Sending - **First-party payments** move money between accounts you own, such as from your euro account to your company's main bank account. - **Third-party payments** go to approved beneficiaries: suppliers, contractors, partners or clients. Each beneficiary is reviewed once by our compliance team with supporting documents. After that, payments to them are routine. - **Stablecoins out.** Fiat converts to stablecoins the same way in reverse, and Sentvia sends stablecoins where a payment calls for it. Before any outgoing payment is released, it goes through your approval flow. Our page on [payment approval controls](https://www.sentvia.com/platform/controls-and-approvals) explains how that works. ### One payment, two legs A payment that starts in stablecoins and ends in a bank account has two legs, and they behave differently. - **The stablecoin leg** is near-instant and runs every day, weekends and holidays included. It ends when the coins reach the address given for the conversion. - **The fiat leg** follows the bank rail: its operating hours, cut-offs and banking days. A wire instructed after cut-off goes on the next cycle, whatever time the stablecoins arrived. So the rail, not the blockchain, usually decides when the money is usable. Most conversions arrive the same business day when instructed within cut-off. Our guide to [weekend settlement and cut-offs](https://www.sentvia.com/guides/weekend-settlement-cutoffs) explains how cut-offs and banking days affect a payment that arrives late in the week. Processing times depend on currency, jurisdiction and bank rails used. ## The rails by currency Currency Rail What governs timing USDT, USDC, EURC Blockchain network The network itself; near-instant, every day of the year USD, US dollar SWIFT wire Correspondent banking hours, cut-offs and US bank holidays EUR, euro SEPA or SEPA Instant SEPA Instant settles in seconds where both banks support it; otherwise SEPA banking days. The amount and the receiving bank decide which scheme is used GBP, pound sterling Faster Payments Runs around the clock; the receiving bank's own checks can add time AED, UAE dirham UAE local transfer UAE banking days and cut-offs [Supported currencies and stablecoins](https://www.sentvia.com/currencies) lists every pair, and the corridor pages go into detail, for example [converting USDT to EUR over SEPA](https://www.sentvia.com/currencies/usdt-to-eur). ## A record behind every payment Each conversion leaves the same trail: the quote, the rate you locked, the amount sent, the amount converted and the settlement into your account or to the beneficiary. It sits in the transaction history in your dashboard, on the web and in the Sentvia Pay app, alongside your accounts and outgoing payments. That helps in three places: - **Reconciliation.** The fiat credit in your ledger traces back to a specific stablecoin payment and a specific rate, so matching it to the invoice is direct. - **Your bank.** If your bank asks about a payment from your named account, the conversion record answers the question. - **Audit.** The rate was agreed before the money moved, so there is no gap between what was expected and what settled to explain later. ## Who it's for - Exporters and trading companies whose overseas customers pay in USDT or USDC - Businesses that are paid in stablecoins and pay suppliers, contractors or staff in fiat - Businesses that hold fiat and need to send stablecoins to a counterparty that settles in them - Sellers of high-value goods, such as luxury car dealers, and law firms handling client funds - Qualifying individuals, including high net worth individuals ## What it requires - **Onboarding.** We verify every business before activation: who the company is, who owns and controls it, what it does and the payments you expect. A dedicated onboarding officer guides set-up. - **Beneficiary review.** Before the first payment to a new third party, our compliance team reviews the beneficiary with supporting documents. It happens once per beneficiary, not once per payment. - **Screening.** Every incoming stablecoin payment is screened before conversion, checking where the coins have been against risks such as sanctioned addresses and illicit services. Every payment to a beneficiary is screened too. - **Source of funds for larger payments.** We may ask how the payer came to hold the stablecoins. A request for information is routine, and having the evidence ready avoids a hold. Our [compliance and regulation](https://www.sentvia.com/compliance) page explains our registrations and how these checks run day to day. ## Limits and conditions - **Four fiat currencies, three stablecoins.** USD, EUR, GBP and AED; USDT, USDC and EURC. EURC converts to and from euros only. - **Timing is not guaranteed.** The fiat leg depends on the rail, the receiving bank and banking days, and we don't publish cut-off times. - **Intermediary charges.** International wires can pass through intermediary banks that take their own charge from the amount in transit. - **Third parties must be approved first.** A new beneficiary can't be paid until the compliance review is complete. - **Payments can be held.** If screening raises a question, the payment waits until it is answered. - **No price list.** Pricing is agreed per client during onboarding, and each conversion is quoted before you commit. This page explains how Sentvia processes payments. It is not investment advice. FAQ ## Common questions What are B2B stablecoin payments? Payments between businesses where at least one side of the payment is a stablecoin such as USDT, USDC or EURC. With Sentvia, a business can receive stablecoins and be paid out in fiat to an account in its own name, or fund a payment in fiat and send stablecoins where the payment calls for it. Can we pay suppliers in fiat with money we received in stablecoins? Yes. Convert the stablecoins at a quoted rate into your named account, then pay the supplier as a third-party payment to an approved beneficiary. Each beneficiary is reviewed once by our compliance team; after that, payments to them are routine. How long does a payment take? The stablecoin leg is near-instant and runs every day. The fiat leg follows its bank rail, its cut-offs and banking days, so the rail usually decides when the money is usable. Processing times depend on currency, jurisdiction and bank rails used. Do you publish cut-off times? No. Most conversions arrive the same business day when instructed within cut-off, but the cut-off depends on the rail and the receiving bank. Instruct early in the day if the funds need to land that day. Is every payment screened? Yes. Every incoming stablecoin payment is screened before it is converted, every payment to a beneficiary is screened, and monitoring runs in real time on every transaction. For larger payments we may ask how the payer came to hold the stablecoins. What does a payment cost? Pricing is agreed per client during onboarding, based on volumes and corridors. The cost of a conversion is made up of the spread on the rate, network fees set by the blockchain network, and bank charges, including any taken by intermediary banks on international wires. ## Further reading - [Payment approval flows](https://www.sentvia.com/platform/controls-and-approvals) - [How businesses convert stablecoins to fiat: currencies and settlement times](https://www.sentvia.com/blog/stablecoin-to-fiat-settlement) - [Why won't my settlement provider pay a third party?](https://www.sentvia.com/blog/named-iban-third-party-payments) - [Can I off-ramp stablecoins at the weekend? Cut-offs by rail](https://www.sentvia.com/blog/off-ramp-stablecoins-weekend-cutoffs) - [What goes into the cost of a conversion](https://www.sentvia.com/fx/pricing-and-fees) Get started ## Move money across both rails Tell us about the payments you expect and a dedicated onboarding officer will guide you through set-up. [Begin onboarding](https://onboarding.sentvia.com/)[Talk to our team](https://www.sentvia.com/help)