Stablecoin cross-border payments for business

Get paid locally.
Settle in stablecoins.
Pay out anywhere.

Infiat puts USD, EUR, BRL, MXN and other fiat currencies next to USDT and USDC in one business account. Named collections (COBO), named payouts (POBO) and in-account conversion — your counterparties always see your company name on their bank statement.

Read the API docs For businesses. KYB required.
A
ACME TRADING LTDBusiness account · 3 corridors enabled
Sample data
USD128,400.00SWIFT · ACH
BRL312,050.00PIX
USDT96,210.00TRON · TRC-20
Recent activity
Collection · PIX
LUMEN COMERCIO LTDA → beneficiary ACME TRADING LTD
+R$ 50,000.00Settled · 3 s
Convert BRL → USDT
1 USDT = 5.5200 BRL · all-in
+9,057.97 USDTFilled
Payout · SWIFT
Sender shown as ACME TRADING LTD → SHENZHEN PARTS CO.
−$ 12,400.00Processing · T+1
Withdrawal · TRC-20
To own wallet TQm…9f3A
−20,000.00 USDTOn-chain · 2 min
View all activity

Currencies and rails already connected. Corridors are enabled per customer, and coverage keeps growing.

Fiat
USDEURGBPHKDBRLMXNCOPNGNKESGHSZAR
Rails
SWIFTSEPAPIXSPEIACHLocal clearing
Stablecoins
USDTUSDC
Networks
TRONEthereumBSCBaseSolana
Products

One account for collections, conversion and payouts.

Fiat and stablecoin balances sit side by side in one ledger. Money you collect can be converted and paid out directly — no shuffling between three providers.

Collection account · BRL · PIXACTIVE
Account nameACME TRADING LTD PIX keyacme@infiat.pix BankBANCO ••• 341
Collect

Named collections (COBO)

Open local collection accounts in your company's name for each corridor (PIX, SEPA, SWIFT, local clearing) or stablecoin deposit addresses. Buyers pay as usual; every credit arrives with the remitter attached.

  • Local / virtual accounts
  • USDT / USDC deposit addresses
  • Credit alerts & auto-reconciliation
Sell50,000.00 BRL
Buy9,057.97 USDT
1 USDT = 5.5200 BRLQuote valid for 30 s
Convert

Fiat ⇄ USDT / USDC

Quote and fill inside the account. Quotes are all-in: you see exactly what you get before you confirm — or simply keep holding fiat.

  • Buy or sell stablecoins
  • Fiat-to-fiat
  • Fills land in your balance
Payout · USD · SWIFTProcessing
PayeeSHENZHEN PARTS CO. Amount12,400.00 USD Sender nameACME TRADING LTD
Pay out

Named payouts (POBO)

Pay suppliers, sellers and contractors. Fiat over SWIFT, SEPA, PIX and local rails; stablecoins to any address. The sender on their advice is you.

  • Bank account payouts
  • On-chain stablecoin payouts
  • Batches & approvals
USD
128,400.00
BRL
312,050.00
USDT
96,210.00
USDC
21,000.00
Accounts

Multi-currency balances & ledger

Every movement is traceable and exportable; real-time webhooks, multi-user roles and permissions, and connectors into your ERP or finance stack.

  • Fiat and stablecoins side by side
  • Statement export & reconciliation
  • Roles & approvals
Why “in your name” matters

The name travels with the money.

Many cross-border setups move money through a pooled account, so the bank statement shows the provider's name. Trade teams know what that means: mismatched names trigger inquiries, returned funds and frozen accounts, and payments that don't reconcile with contracts.

Infiat collects and pays on behalf of your onboarded entity. The beneficiary on your buyer's instruction is you; the sender on your supplier's advice is you — the same legal entity as your contract, invoice and customs declaration.

  • Fewer holds and returns caused by name mismatches
  • Bank records match contracts, invoices and customs documents
  • Platforms can collect and pay in each merchant's own name
Credit adviceCOBO
Beneficiary
ACME TRADING LTD
Remitter
LUMEN COMERCIO LTDA
Amount
BRL 50,000.00
Rail
PIX
Reference
INV-2026-0912
Payment advicePOBO
Ordering customer
ACME TRADING LTD
Beneficiary
SHENZHEN PARTS CO.
Amount
USD 12,400.00
Rail
SWIFT
Reference
PO-8841
How it works

From your buyer's payment to your supplier's account in four steps.

Take an export order from Brazil: the buyer pays local currency by PIX, you convert to USDT in the account, then pay your supplier in USD.

BuyerBuyer in BrazilPIX · BRL
Collection accountACME TRADING LTD+50,000.00 BRL
ConvertBRL → USDT9,057.97 USDT
PayoutUSD · SWIFTSender ACME TRADING LTD
SupplierSHENZHEN PARTS CO.−12,400.00 USD
01

Onboard

Submit company KYB. Once approved, collection accounts and stablecoin wallets are enabled for your corridors.

02

Collect

Share the account details with your buyer. PIX in seconds, SEPA same day, SWIFT typically T+1 — with the remitter visible on arrival.

03

Convert

Confirm on a live quote; the fill lands in your USDT / USDC or another fiat balance.

04

Pay out

Pay by POBO to a bank account, or in stablecoins to an address — 24/7.

Solutions

Different cross-border businesses, one account.

Exporters & B2B trade

Buyers in Latin America and Africa pay in local currency; you collect in your own name, hold in USDT, or pay your domestic supply chain.

CollectBRLMXNNGNPayUSDTUSD

Marketplaces & platforms

Open named collection accounts for your merchants and settle in their name. The platform never has to be the counterparty of record on every order.

CollectMulti-currencyPayMerchant settlement in USDT / fiat

Global treasury

Convert overseas revenue into stablecoins as a cross-border position, or back into fiat for payroll, tax and rent.

CollectUSDEURPayLocal fiatUSDT

PSPs & fintechs

Embed collection accounts, conversion and payouts into your own product via API, under your brand.

CollectAccounts via APIPayPayouts via API + webhooks
Why Infiat

What cross-border payments should feel like.

7×24

Stablecoin settlement never closes

Minutes to settle, weekends and holidays included. Fiat rides local rails: PIX in seconds, SEPA same day.

All-in

Costs you can see up front

Quotes include the spread and payout fees show before you confirm. No surprise correspondent-bank deductions.

0

Private keys, gas, on-chain ops

Stablecoins are the settlement layer; your finance team only sees balances, rates and statements.

One name

Collect and pay in your name

Statements match contracts and invoices, and compliance questions have a clear answer.

Compliance & security

Every payment can explain itself.

Stablecoins aren't a way around the rules — the rules are built into the flow.

KYB onboarding & ongoing due diligence

Entity, UBO and business-profile checks at onboarding, reviewed periodically.

Transaction & counterparty screening

Sanctions lists, AML rules and on-chain address risk, run before every payment.

Travel Rule data

Originator and beneficiary data accompany stablecoin transfers to meet VASP requirements.

Segregated client funds

Client fiat and stablecoin assets are held apart from operating funds.

Licensed partners

Fiat clearing and stablecoin custody are provided by licensed institutions in each jurisdiction.

Roles & audit trail

Multi-user roles, maker-checker approvals and an operation log for every payout.

Licences and registrations vary by entity and region — contact us for details.

Developers

Three calls to collect, convert and pay.

A REST API with webhooks, a sandbox to build against, and idempotency keys on every write. Status changes for collections, conversions and payouts are pushed in real time.

  • Sandbox & test data
  • Signed webhook events
  • Idempotency keys
  • Postman collection
Read the API docs
curl · api.infiat.com
# 1. Open a BRL / PIX collection account in your name
POST /v1/collection-accounts
{ "currency": "BRL", "rail": "PIX" }

# 2. Quote and fill
POST /v1/converts
{ "sell": "BRL", "buy": "USDT", "amount": "50000.00" }

# 3. Pay a supplier by POBO
POST /v1/payouts
{ "counterpartyId": "cp_8841", "currency": "USD",
  "amount": "12400.00", "rail": "SWIFT" }

# Webhook · credit received
{ "type": "collection.received", "amount": "50000.00",
  "currency": "BRL", "remitter": "LUMEN COMERCIO LTDA" }
FAQ

A few things worth clearing up first.

Is “named collection” the same as COBO?

Yes. COBO (Collections On Behalf Of) means Infiat collects in the name of your onboarded entity: the beneficiary on your buyer's instruction is you, not Infiat or a pooled provider account.

Do I have to convert into stablecoins?

No. The account holds fiat and stablecoins together. Collect BRL and pay BRL, hold USDT, or convert to USD for a payout — whatever the business needs.

Do I need to manage private keys or wallets?

No. Addresses and custody are handled by Infiat and its licensed custodians; you see balances and statements. You can withdraw stablecoins to your own wallet at any time.

Which countries and currencies are supported?

Currently USD, EUR, GBP, HKD, BRL, MXN, COP, NGN, KES, GHS and ZAR, plus USDT and USDC on TRON, Ethereum, BSC, Base and Solana. Corridors are enabled per customer — tell us where you collect and pay.

How long does onboarding take?

After you submit incorporation documents, UBO details and a business description, review begins. Timing depends on completeness and corridor, and is usually measured in business days.

How are fees charged?

Conversions fill at an all-in quote with the spread included; collections and payouts carry a fixed or percentage fee per corridor, listed in your agreement and shown before you confirm.

Tell us your corridor.

Where you collect, what you convert into, and whom you pay. We'll reply with coverage, indicative pricing and the onboarding checklist.

Or email us hello@infiat.com