For enterprises
Compliant collection that fits the controls you already run.
Collect international receivables in USDC or USDT, settle USD, EUR, SGD to nominated accounts, and keep the custody question answerable: Kollect never holds the funds.
Cross-border receivables are hard to forecast when the arrival amount and date both depend on a correspondent-bank chain that nobody in treasury can see into.
What will our compliance team want to see?
Who is regulated, and what is checked. Payments are processed with Mesta Payments LLC, a FinCEN-registered money services business. KYB covers the entity, KYC its representatives, and AML screening runs on payments on an ongoing basis.
What is our exposure if Kollect fails?
Structurally limited, because Kollect never holds the money. Payments are received on-chain and the regulated legs sit with licensed partners, so there is no Kollect balance holding enterprise funds to be stranded.
Can this satisfy an audit trail requirement?
Each payment carries a reference from creation to payout, on-chain receipt is independently verifiable, and custom reporting is available from the Medium plan upward alongside dedicated onboarding and compliance review.
What you keep on a receivable
Model a representative invoice against a correspondent-banking wire.
Modelled at 0.5% fee + $35.00 fixed + 2.5% FX for a wire. Kollect is priced at 0.55% on the Small plan, with no FX markup on the USDC to USD conversion. The plan follows your volume: this invoice repeating monthly is $150,000.00 over 3 months, which is the band that volume falls into. The processing fee falls to 0.45% at higher volume. Each plan also carries a monthly subscription, which is not in these figures. See the full rate card.
Full cost breakdown is on the pricing section, and the same maths against a wire is set out on Kollect vs a bank wire. Terms are defined in the glossary.
How an enterprise collection runs
KYB and accounts
Complete KYB for the entity and nominate the bank accounts you want to settle into.
Issue the payment link
Raise the receivable in USD and issue a hosted payment link, by hand or through the API.
On-chain receipt
Payment is confirmed in seconds, producing a timestamped record for the receivable.
Settle and reconcile
Licensed partners convert and pay out USD, EUR, SGD against a payout record you can reconcile.
What changes for treasury and finance
Kollect never takes custody. Licensed partners hold funds only during the fiat legs.
Merchant accounts require KYB verification, with AML screening applied on payments.
On-chain receipt in seconds gives a timestamped record alongside the partner payout record.
Conversion is handled by licensed partners with no separate markup stacked on top.
A server-to-server API and signed webhooks let this run inside existing finance systems.
Trust and compliance
Payments are received on-chain and passed to licensed partners for conversion and payout. Kollect is not the licensed entity holding your money.
Mesta Payments LLC, a FinCEN-registered money services business, processes payments in partnership with Kollect.
KYB on the business and KYC on its representatives, with AML screening on payments.
USD, EUR, SGD today, with further corridors on the roadmap.
Enterprise questions
Does Kollect take custody of enterprise funds?
No. Kollect is non-custodial. Payments are received on-chain and licensed partners hold funds only during the fiat conversion and payout legs.
What onboarding and compliance checks apply?
Merchant accounts must be KYB-verified, with KYC on the representatives and AML screening applied to payments.
Who is the licensed entity in the flow?
Mesta Payments LLC, a FinCEN-registered money services business, processes payments in partnership with Kollect.
Can collection be automated into our systems?
Yes. There is a server-to-server API for creating invoices and signed webhooks for settlement events, so collection can run inside existing workflows.