Crypto, Fintech & Payment Platforms
Fiat accounts and stablecoin settlement for platforms that move money.
Exchanges, wallets and payment companies need a fiat side that keeps pace with their crypto side, with a clear line between their own money and their customers' money. Valtora brings fiat accounts, on- and off-ramps, stablecoin settlement and payment APIs together.
- Exchanges
- Wallet providers
- Payment companies
- Web3 infrastructure
- Settlement platforms
Main challenges
What makes these payment flows harder
- 1Customer deposits and withdrawals need fiat rails that work alongside crypto operations.
- 2Stablecoin settlements have to be converted into fiat to pay business counterparties.
- 3Customer money must stay apart from the company's own operating funds.
- 4Payout volumes grow faster than manual processes can handle.
Relevant services
Valtora services for this industry
- Dedicated and virtual IBAN accounts
- Crypto wallets and fiat/crypto on- and off-ramps
- Stablecoin receipts, payouts and settlement
- Conversion and payouts across 40+ currencies
- Payment APIs for collections, payouts and reconciliation
- Cards as a Service
Which services you use depends on your business model, countries and the eligibility review.
Your money and your customers' money
Company operating funds
- Revenue and fees the platform has earned
- Payroll, vendors and tax
- Treasury and reserves
Client funds
- Deposits and withdrawals held for users
- Settlements owed to merchants
- Held under separately agreed client-fund arrangements
Client-fund arrangements are agreed separately with each platform during onboarding.
A payment platform converts its own USDC revenue and pays suppliers in euros
- 1ReceiveUSDC · own funds
The platform receives USDC fee revenue it has earned. These are company operating funds.
- 2ConvertUSDC → EUR
The USDC is converted into EUR at a quoted rate.
- 3SettleOperating account
EUR settles into the platform's operating account because it is the platform's own revenue.
- 4PaySEPA · EUR
Approved business counterparties are paid by SEPA bank transfer.
Money that belongs to users or merchants is handled under the platform's separately agreed client-fund arrangement instead.
Example only. It describes a typical flow, not a real customer, and uses no actual figures.
Discuss your payment flows.
We look at how your business operates before suggesting accounts, cards or payout routes. Tell us where your money comes from and where it goes.
Chat on TelegramValtora coordinates your business review and onboarding.