Crypto-to-bank payment agent · SWIFT · SEPA · local rails
Pay any invoice in the world with USDT.
Upload the invoice, send stablecoins, and Arkipo settles the bank transfer to your supplier, landlord, school or clinic. One all-in fee, the rate locked for 15 minutes, and an MT103 confirmation for your books.
- 0.9–2.0%all-in fee, FX at mid-market +0.35%
- 1–2 daysSWIFT · same-day SEPA · minutes on local rails
- 60+ countriesUSD, EUR, GBP, AED, CNY, THB, IDR and more
Indicative quote at the rates of October 21, 2026. The live reference rate and the final lines are shown in your quote before you confirm.
- PT Global Payment Gateway · registered payment agent (details on the compliance page)
- KYC, sanctions and blockchain screening on every payment
- Client funds kept apart from company funds
- Support on business days in English, Indonesian and Russian
Three ways to move money between crypto and banks
Every flow runs through a registered company account under an agent agreement. Nobody meets a stranger with cash and nobody sells USDT on a marketplace to pay a bill.
Pay an invoice
You send USDT, the beneficiary gets a bank transfer with the invoice number in the reference. SWIFT, SEPA or local rails, from $300.
USDT → USD · EUR · GBP · AED · CNY · THB …
Get paid in USDT
Your customer pays an ordinary invoice to our account by bank transfer. When the funds are finally credited, you receive USDT, usually within an hour.
SWIFT · SEPA · local in → USDT out
Arkipo OTC for payment companies
USDT ↔ USD and EUR settlement for licensed payment institutions. Quoted by the desk, settled the same day, after KYB and a master agreement.
from 0.1% · tickets from $50,000
Solutions by corridor, use case and comparison
One page per question people actually search: a country, a kind of payment, or two routes side by side. Each carries its own terms, documents and worked example.
Where the beneficiary's bank is
What the invoice is for
Which route fits
Where the money goes, and how fast
We pick the cheapest rail that reaches the beneficiary's bank. The bank fee is passed on at cost and shown before you pay.
SWIFT
1–2 business daysAny bank in the world with a SWIFT BIC. Fee $35 (SHA) or $65 (OUR) at cost, from $1,000 equivalent. MT103 and UETR for every payment.
SEPA
same business dayEuro transfers to any IBAN in the SEPA area. €3 at cost, from $300 equivalent, cut-off 16:00 CET on business days.
Local rails
minutes to hoursDomestic schemes where we hold local accounts: ACH, Faster Payments, UAEFTS, PromptPay, BI-FAST, FAST and FPS. $0–5 at cost, from $300.
From invoice to MT103 in four steps
You pay us in stablecoins under an agent agreement. The beneficiary gets an ordinary bank transfer from a company account, with your invoice number in the reference.
Get a quote
Enter the amount and currency. You see the rate, the fee, the bank cost and the delivery date before you commit to anything.
30 seconds · no accountUpload the invoice, verify once
Add the invoice (PDF or photo) and the beneficiary's bank details. We read the amount and account automatically. Verification is done once.
about 3 minutesSend USDT to your address
The rate is locked for 15 minutes. We detect the transfer after one network confirmation and screen its origin.
1 confirmationWe pay, you get proof
After the compliance check the transfer goes out before the bank cut-off. You receive the MT103 or confirmation, our invoice and the agent report.
same business dayWhat people pay with us
Any legitimate invoice with a bank beneficiary. We check the purpose, the counterparty and the sanctions lists, then pay.
Suppliers and import
Pro-forma and commercial invoices to factories and trading companies, with the contract on file.
Rent, villas and property
Long-term rent, deposits and purchase instalments to owners, agencies and notaries.
Tuition and schools
Universities, international schools and language courses, with the student reference in the payment.
Clinics and medical bills
Hospitals, dental and wellness clinics, including deposits before treatment.
Travel, flights and hotels
Tour operators, charter companies and hotels that invoice by bank transfer.
Software and subscriptions
Annual licences, cloud and advertising invoices that your bank's card will not pay.
Contractors and payroll
Pay a remote team in their local currency from one USDT balance, with one monthly statement.
Receive customer payments
Your client pays an ordinary invoice to our account; you get USDT the day the funds are credited.
One fee, shown before you pay
The service fee depends on the amount. Bank and network costs are passed on at cost. Currency conversion is a separate line at the mid-market rate plus 0.35%, and only when the payout is not in USD.
| Payment amount (USD equivalent) | Service fee | Minimum |
|---|---|---|
| $300 – $5,000 | 2.0% | $25 |
| $5,000 – $25,000 | 1.5% | — |
| $25,000 – $100,000 | 1.2% | — |
| over $100,000 | 0.9% | — |
Plus the bank fee at cost: SWIFT $35 (SHA) or $65 (OUR), SEPA €3, local rails $0–5. Business accounts from 0.7% by contract.
Full pricing and worked examplesInvoice for €10,000 to a German supplier
indicative figures as of Oct 21, 2026 · live rates load in a moment
The same lines appear in the quote, in the agent report and in your monthly statement. No markup is hidden in the rate.
Sell USDT on a trading platform, withdraw to a personal account, explain the source of funds, wire from a bank that may block it.
Quote, send USDT, receive the MT103. The beneficiary sees a transfer from a registered company with the invoice number in the reference.
Every payment has a live status, and a document for each step
You see the same eight-state timeline our operations desk sees: when the USDT arrived, when compliance cleared it, when the bank sent it, and when the beneficiary was credited.
- ✓MT103 and UETR the moment the transfer is sent; credit confirmation when the bank reports it
- ✓Notifications in Telegram, WhatsApp or email at each step
- ✓If the bank returns the payment: resend with corrected details or a USDT refund at the locked rate
10,000.00 EUR → Beispiel Maschinenbau GmbH
- ✓Quote locked · 1 EUR = 1.1628 USD20 Oct 2026, 09:14 WITA
- ✓USDT received · 1 confirmation11,858.07 USDT · TX 7f3a…c91e · Tron · 09:19
- ✓Compliance check passedInvoice, beneficiary and sanctions screening · 09:31
- ✓Converted at the locked rateEUR 10,000.00 · 09:32
- ✓SEPA transfer sentRef. ARK24817-0331 · pacs.008 · 10:02
- Awaiting credit confirmationExpected today before 17:00 CET
- Credited to the beneficiary
Built like a regulated payments company
Banks keep our accounts open because every payment is documented. That is what makes the transfers arrive.
Verified clients only
Individuals pass KYC, companies pass KYB. We know who pays, who is paid and why.
Sanctions and blockchain screening
Counterparties are checked against OFAC, EU and UK lists; incoming crypto is screened for illicit origin before it is accepted.
Segregated client funds
USDT received for a payment is held apart from company funds until the transfer is sent. We are not a bank and do not hold deposits.
PT Global Payment Gateway
PT PMA registered in Denpasar, Bali, in December 2024 (NIB 2412240053279), bank accounts at Bank Mandiri in USD, EUR, CNY and IDR. Licensing details are available on request. Partner names are not published.
For companies and platforms
Pay suppliers and contractors in bulk, collect customer payments by bank transfer, settle in USDT. Pricing from 0.7% by contract, monthly statements, a named manager and team access with roles.
- ✓Bulk payouts from a CSV file or through the API, with a status per row
- ✓Named payment references so your customers' transfers are matched automatically
- ✓KYB once for the company; then every employee works through one account with roles and approval limits
- ✓Monthly statement and closing documents for your accountant
- ✓Arkipo OTC for licensed payment companies: USDT ↔ USD and EUR, quoted by the desk, settled the same day
POST /v1/payments
Authorization: Bearer ark_live_••••••••
{
"amount": "10000.00",
"currency": "EUR",
"rail": "SEPA",
"beneficiary": {
"name": "Beispiel Maschinenbau GmbH",
"iban": "DE89370400440532013000",
"bic": "COBADEFF"
},
"invoice_file_id": "inv_8f2c1",
"purpose": "Invoice INV-2026-0331, CNC parts"
}
→ 201 Created
{
"id": "pay_ARK24817",
"status": "awaiting_funds",
"pay_in": {
"asset": "USDT", "network": "TRON",
"address": "TRON_ADDRESS_FROM_YOUR_QUOTE",
"amount": "11858.07",
"rate_locked_until": "2026-10-20T01:29:00Z"
}
}Questions people ask before the first payment
Is it legal to pay a foreign invoice with crypto?
You do not pay the beneficiary in crypto. You pay our company in USDT under an agent agreement, and we pay the invoice in fiat from our bank account. The beneficiary receives an ordinary bank transfer with the invoice reference. Whether holding and using crypto is permitted for you depends on your country of residence; we provide the full set of documents for your accountant.
How long does a payment take?
SEPA transfers in EUR go out the same business day. SWIFT takes one to two business days to reach the beneficiary, sometimes three for exotic corridors. Local rails arrive within minutes to hours. Payments confirmed before the bank cut-off shown in the quote are sent the same day.
What does it cost?
A service fee of 0.9–2.0% depending on the amount, plus the bank fee at cost ($35 for SWIFT SHA, €3 for SEPA, $0–5 for local rails). Currency conversion is at the mid-market rate plus 0.35%, shown as a separate line and only when the payout is not in USD. There are no other charges.
What happens if the beneficiary's bank returns the payment?
We tell you the reason the bank gave, fix the details and resend, or refund you in the crypto you paid with at the locked rate, minus the bank's return fee. Refunds are usually completed within three business days.
Quote in 30 seconds, no account needed