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Stablecoin Payments

Pay XCG invoices directly from your stablecoin balancePut your stablecoins to work locallyHow Stablecoin Payments worksStablecoin custody, execution and payments in one processIndicative pricing Payment AccountFrequently Asked QuestionsAbout the Service & Fees

Pay XCG invoices directly from your stablecoin balance

Use USDC or USDT held with Bitkaya to settle approved business expenses in Curaçao.

Upload your invoice, instruct Bitkaya to sell the required stablecoins, and have the resulting XCG proceeds settled directly to your supplier or service provider.

No separate exchange, withdrawal and bank-transfer process.

Stablecoins in. XCG invoice paid.


Speak to Sales 

Stablecoin Payments is available to approved business clients and is subject to Bitkaya’s onboarding, compliance, liquidity, banking and transaction requirements.


Put your stablecoins to work locally

Stablecoins provide businesses with an efficient way to hold and move digital dollar liquidity.

But many of your day-to-day business expenses in Curaçao still need to be paid in XCG.

Stablecoin Payments connects the two.

Your business can hold supported stablecoins with Bitkaya and use those balances to settle approved Curaçao business obligations directly in XCG.

Typical uses include:

  • supplier invoices
  • professional fees
  • rent and operating expenses
  • technology providers
  • contractors
  • local service providers
  • other approved Curaçao business expenses
Instead of first selling your stablecoins, withdrawing XCG to your own bank account and then making a separate bank transfer, Bitkaya combines the process into one structured transaction.


How Stablecoin Payments works

1. Hold stablecoins with Bitkaya

Maintain supported USDC or USDT in your Bitkaya business custody account.

2. Upload your invoice

Submit the invoice or supporting documentation for the business expense you want to settle.

Provide:

  • beneficiary name
  • Curaçao bank account details
  • XCG amount
  • invoice or reference number
  • payment purpose
  • supporting documentation

3. Submit your payment instruction

Select the stablecoin balance you want to use and confirm the XCG amount that needs to be settled.

Bitkaya calculates the amount of stablecoins required based on the applicable Stablecoin Payments purchase rate.

4. Bitkaya purchases your stablecoins

Bitkaya acts as principal and purchases the required amount of USDC or USDT from your business. The agreed XCG purchase price becomes payable to your company.

5. Bitkaya settles the invoice

At your instruction, Bitkaya settles the resulting XCG purchase price directly to the approved Curaçao beneficiary.

6. Track the completed payment

Each transaction record links:

  • the stablecoin sale
  • the invoice
  • the beneficiary
  • the XCG amount
  • the settlement reference
  • the payment status

This gives your finance and compliance teams a clear record of every payment.


Stablecoin custody, execution and payments in one process

Stablecoin Payments works together with Bitkaya’s business custody service.

Your company can maintain supported stablecoins under custody and sell only the amount required when an XCG payment needs to be made.

This allows businesses to maintain stablecoin liquidity without first converting their entire balance into local fiat.

When your business submits a payment instruction, Bitkaya purchases the required stablecoins from your company as principal at the applicable purchase rate.

The resulting XCG amount represents the purchase price payable by Bitkaya to your company.

Your company then instructs Bitkaya to settle that purchase price directly to the approved beneficiary.

Stablecoin Payments does not provide a general-purpose XCG payment account or reusable fiat balance.

Each payment remains linked to a specific stablecoin sale.

Indicative pricing 

Final pricing is determined in quotation based on specific client requirements. Excluding 6% OB if applicable.

Payment Account

$ 360 / month

Ideal for businesses with recurring XCG payment obligations, but without local bank accounts.

Contact Sales
  •  1 custodial wallet (Ethereum)
  •  Assets included: USDT and USDC (ERC-20)
  • Up to 20 monthly payments included
  •  Additional payments $25 
  •  Fixed purchase price in XCG for your stablecoins
  •  High volume discounts
​

Frequently Asked Questions

About the Service & Fees

Stablecoin Payments allows approved businesses to use USDC or USDT held with Bitkaya to settle approved business expenses in XCG. Bitkaya purchases the required stablecoins and settles the resulting XCG proceeds directly to the approved beneficiary.

The service is intended for businesses that receive, hold or use stablecoins as part of their business or treasury activities and have recurring local XCG expenses.

The service currently focuses on USDC and USDT on the Ethereum network (ERC-20).

The standard Stablecoin Payments purchase rate is the interbank USD bid rate as published by the Central Bank of Curaçao and St. Maarten, minus 4%. Purchase rates are dependent on volumes as discovered during onboarding.

No separate percentage payment fee is charged for a standard approved payment.

Bitkaya’s exchange margin, standard compliance processing and local payment handling are incorporated into the stablecoin purchase rate.

The subscription includes up to 20 completed payments per calendar month, together with standard beneficiary administration, documentation handling and transaction records.

Each additional completed payment costs $25 in handling fee.

Each successfully completed transfer to an approved beneficiary or to your own approved Curaçao bank account counts as one payment.

No. Only successfully completed settlements count.


Yes, where your company, beneficiary and transaction have been approved.

Supporting documentation such as an invoice may be required.

No. The standard Stablecoin Payments service is focused on approved Curaçao bank beneficiaries.

No. Stablecoin Payments is not designed as a general-purpose XCG account.

Each XCG settlement is linked to a specific stablecoin sale.