Fund in your currency
Pay in from GBP, EUR or USD by SWIFT, SEPA, CHAPS, Faster Payments or BACS. Nothing to buy, hold or convert yourself.
Settle360B2B payments
B2B payments, settled in hours — not days
Pay overseas suppliers, settle trade and move money across borders — funded in your own currency, off-ramped to the recipient’s. Faster than a correspondent-banking wire, on regulated rails, with no crypto position for your finance team to manage.
In brief
What are B2B payments with stablecoins?
B2B payments are business-to-business transfers — paying suppliers, settling invoices and funding trade across borders. Using stablecoins, Xchange360 moves the value as a fiat-pegged token and off-ramps to the recipient’s local currency, so a cross-border payment settles in hours instead of days, without the correspondent-banking chain.
The problem
Cross-border business payments still move at the speed of the 1970s.
A supplier payment abroad still routes through correspondent banks: two to five days, opaque FX, fees stacked at every hop, and no certainty of when it lands. For importers, exporters and trade desks, that delay ties up working capital and strains the supplier relationships the business runs on.
Settle the same payment in hours, at one transparent rate, with the money landing in your supplier’s own currency.
How it works
How a B2B payment works
Settle across the corridor
We move the value as a regulated stablecoin — minutes across the border, not days through the correspondent-banking chain.
Off-ramp to local currency
Your supplier is paid into their own bank account, in their own currency. No standing crypto position for anyone to manage.
Why businesses move their payments to us
Settled in hours
Cross-border payments land the same day — not two-to-five business days later.
Transparent cost and FX
One clear rate across the corridor, instead of fees stacked at every correspondent hop.
Real reach
Local off-ramps into the markets where correspondent banking is slow, costly or closed.
No crypto to manage
You start and end in fiat. We run the conversion, custody and compliance on regulated rails.
One desk, not an API to wire up
A regulated partner and a team behind every corridor — with support when a payment matters.
Built on the same rails as trade
The settlement engine behind our trade-finance and cross-border work, opened up for everyday supplier payments.
Built for businesses that pay across borders
Importers and exporters settling with overseas suppliers
Marketplaces and platforms paying partners and vendors at scale
Trade-finance and cross-border payment desks
Finance teams that want the speed of stablecoins without holding any
FAQ
Common questions
How fast are cross-border B2B payments?
Most corridors settle the same day — often within hours — versus the two-to-five business days a correspondent-banking wire typically takes. The value moves as a stablecoin in minutes; the time is in funding and the local off-ramp, both of which we handle.
Do we have to hold or handle any crypto?
No. You fund the payment in fiat and your supplier receives fiat in their local currency. Xchange360 runs the stablecoin leg, the conversion and the custody on regulated rails, so there is no crypto position for your finance team to manage or account for.
Which currencies and payment rails do you support?
GBP, EUR and USD and more, over SWIFT, SEPA, CHAPS, Faster Payments and BACS on the fiat side, with regulated stablecoins across the corridor. Tell us your currencies and destinations and the desk will confirm the corridors that apply to you.
How is this different from a normal bank wire?
A bank wire hands your payment to a chain of correspondent banks, each adding time, cost and FX spread. We replace that chain with a single regulated settlement across the corridor and a local off-ramp on the destination side — faster, with transparent pricing and clearer certainty of arrival.
Is this suitable for supplier payments and invoice settlement?
Yes — paying overseas suppliers and settling cross-border invoices are the most common uses. It suits recurring supplier payouts, one-off trade settlement, and paying partners or vendors across multiple markets from one place.
