How it works
How do stablecoin payments work?
Four steps, from onboarding to fiat in your bank account. One leg runs on-chain, one leg through licensed partners.
Set up your account
Onboard, complete KYB and add the bank account you want to settle into.
Send a payment link
Share a USD-denominated invoice by link, email or any digital channel.
Customer pays in stablecoin
They connect any Web3 wallet and pay in USDC or USDT. No setup on their side.
Fiat settles locally
Converted by licensed partners and paid into your bank in USD, EUR, SGD.
What does my customer actually see?
A hosted payment link showing the amount in USD. They open it, connect any Web3 wallet, and pay in USDC or USDT on Ethereum mainnet and Polygon. No signup, no onboarding, and nothing to install. The link states the network before they confirm.
What if my customer has no crypto?
Then they pay from their bank account instead. That is the fiat-to-stablecoin rail: a regulated on-ramp partner handles the conversion, and you receive stablecoin in a wallet you control. Your customer needs no wallet and buys no crypto first.
Where does the money sit while it moves?
Never with Kollect. Payments are received on-chain, and a licensed partner holds funds only during the fiat leg of a settlement. Kollect is non-custodial by design and is not the licensed entity holding your money at any point.
How the money moves
One leg runs on-chain, one leg through licensed partners. Nothing waits in a correspondent bank queue.
- Customer
- Stablecoin payment
- Kollect
- Processing
- Fiat settlement
- Bank account
- Customer
- Stablecoin payment
- One on-chain transfer
- Your wallet
What's in it for you?
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Settle in minutes, not days
Kollect confirms payments on-chain and settles the fiat leg through licensed partners in minutes, versus the 2-5 days typical of correspondent-bank wires.
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One API call to get paid
Create a payment server-to-server and get back a hosted payment link. Your customer opens it, connects a wallet, and pays. There is no manual reconciliation on your side.
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Never in the custody chain
Kollect is non-custodial. Licensed partners hold funds through every fiat leg, so Kollect never takes custody of your money at any point in the flow.
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Compliance handled
Submit your documents once. Kollect drives KYB through to approval and screens every transaction for AML. One onboarding, one point of accountability.
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No borders, no bank chain
Accept USDC and USDT from any wallet on chain, and settle to fiat via our licensed partners in each corridor.
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Built for developers
Signed requests, mandatory idempotency keys on every call, and signed webhooks, with a sandbox environment to build and test against before you take a single live payment.
Questions about the flow
Every answer here is mirrored verbatim in this page's FAQ structured data, so nothing is hidden behind a click.
See what it costs on the pricing page, or run a real test payment in the sandbox.
How does Kollect work?
You send a customer a USD-denominated payment link. They pay it in USDC or USDT from any Web3 wallet, the funds are received on-chain in under a minute, and licensed partners convert and settle fiat into your bank account.
How fast does settlement complete?
On-chain receipt takes under a minute. Fiat settlement to your local bank completes within an hour in 99% of payments, against two to five business days on a SWIFT wire.
What currencies and stablecoins does Kollect support?
Customers pay in USDC or USDT from any wallet. Kollect settles payouts in USD, EUR, or SGD to a bank account you control.
Does my customer need a Kollect account?
No. They open the payment link, connect a wallet and pay. There is no signup, no onboarding and no software for them to install.