Multi-Currency Business Accounts & Cross-Border Payment Solutions
HoyaPay Business helps enterprises manage USD, EUR, HKD, SGD and stablecoin funds in one place — supporting cross-border collections, supplier payouts, multi-currency settlement and treasury operations. Capabilities are activated after KYB review.
Trusted business settlement infrastructure
HoyaPay operates its own North America MSB registered entities and works with compliance, wallet risk-control, stablecoin settlement and fiat payment infrastructure partners to support reviewed business settlement workflows.
多市場收款、結算與供應商付款一站管理，覆蓋 Marketplace、DTC 品牌與跨境賣家。
支援貿易商、進出口商在多市場進行法幣與多幣種結算，降低跨境資金管理成本。
批量支付海外供應商、服務商與合作夥伴，支援本地法幣與穩定幣兩種付款通道。
協助企業向全球遠端員工、自由工作者與承包商發放薪酬，降低多市場付款複雜度。
適用於數位平台商戶出款、代理佣金結算與訂閱付款等高頻付款場景。
支援代理佣金分配、聯盟行銷出款與多級結算，可依審核結果配置出款流程。
Multi-Currency Accounts & Settlement
Cross-border collection, payout, settlement and treasury management for enterprises — powered by a multi-currency network for global operations.
- Same-name collection
- USD collection
- Multi-currency receiving
- Fund consolidation
- Same-name payout
- Supplier payments
- Multi-currency settlement
- Cross-border payout
- Fund orchestration
- Multi-currency conversion
- Balance management
- Liquidity management
Available currencies and capabilities depend on business profile, transaction purpose and compliance review.
Choose the settlement, payout, card, or distribution model that fits your business flow.
Collect local fiat, convert settlement value into USDT / USDC, or convert stablecoin balances back into supported local fiat payout routes.
All capabilities subject to KYB / KYC / AML review, supported markets, and partner approval where applicable.
Supports multiple merchant settlement modes
Choose the settlement mode that matches your business needs and review outcome
Stablecoin In / Fiat Out
Accept USDT / USDC and settle local fiat into approved business accounts across selected markets.
Stablecoin In / Stablecoin Out
Accept stablecoin and pay to approved stablecoin addresses with transaction records and reconciliation.
Fiat In / Stablecoin Out
Collect local fiat where supported and settle as stablecoin after review, quote confirmation and route availability verification.
Treasury Conversion
Convert between stablecoin and local fiat balances with executable rates, approval workflows, and settlement records.
One inbound fiat, three settlement options
Choose the settlement route that matches business needs and review outcome
Home-country fiat payout
For: tax records and domestic operations
Example: an HK-registered company settles to HKD into a HK account
Recipient-country local currency
For: paying overseas suppliers and contractors
Example: pay a Philippine contractor in PHP
Stablecoin settlement
For: ad spend, overseas services, treasury management
Example: pay overseas KOLs and SaaS subscriptions
APAC settlement support
Subject to KYB review and business scenario, HoyaPay can support settlement needs in the following markets
Service availability is determined by KYB review, company background, transaction purpose, and supported route.
Enterprise settlement goes beyond completing payments — it requires maintaining traceable review and risk records throughout inbound funds, FX conversion, payout, and reconciliation.
KYB-first onboarding
Company data, beneficial ownership, operating model, and source of funds enter the review process before settlement routes are confirmed.
Transaction review
Inbound funds, stablecoin conversion, and payout flows undergo risk checks; supplementary information may be requested where necessary.
Wallet and counterparty screening
Wallet addresses, transaction origins, and recipients are assessed for risk exposure to reduce the likelihood of suspicious transaction involvement.
Sanctions and high-risk review
Additional review is applied to high-risk jurisdictions, unusual transaction patterns, and restricted counterparties.
Travel Rule readiness
For transactions involving virtual asset transfers, counterparty information is captured, records are retained, and the workflow supports future compliance expansion.
Audit-ready records
Transaction status, settlement routes, timestamps, tx hashes, and operational records are retained to support internal reconciliation and subsequent audit.
From collection to settlement, every step tracked
HoyaPay Business turns stablecoin and fiat settlement into a controlled merchant workflow — from payment creation to final reconciliation.
Complete KYB
Enable collection / payout capability
Create collection order or payout batch
Receive rate quote
Approve settlement
HoyaPay executes stablecoin / fiat settlement
Receive status updates and reconciliation records
Use Enterprise Cards as one approved payout channel
For approved business accounts, card-based payouts can help teams distribute spending access to employees, contractors, creators and agents faster than bank-only workflows — subject to card program availability, cardholder KYC, card scheme rules and MCC restrictions.
Bulk card issuance with per-cardholder KYC
Top up from approved USDT / USDC corporate balances
Mastercard-rail card spending where available
Per-card limits, MCC controls, freeze / reset controls and reconciliation
Creator & affiliate commissions
Support approved creator and affiliate payout workflows without collecting bank details for every small payout.
Platform agent payouts
Distribute commissions across selected markets where local banking access may be uneven.
Distributed contractor payments
Support remote contractor and gig worker spending access through controlled card-based payouts.
Corporate travel & allowance
Issue per-trip or per-employee cards with limits and category controls.
Cards are one of several payout channels. Bank and wallet payouts remain available for larger supplier payments and formal payroll workflows. Available for approved business accounts only. Subject to card scheme rules, program availability, MCC restrictions and per-cardholder KYC.
Connect your platform to HoyaPay Business
HoyaPay Business API enables approved merchants to create USDT / USDC collection orders, submit stablecoin or fiat payout requests, request settlement quotes, query transaction status and receive webhook updates for collections, payouts, settlements and card transactions.
Collection API
Create stablecoin collection orders, track payment status and receive webhook confirmations.
Payout API
Submit stablecoin or fiat payout requests for suppliers, agents, creators, contractors or partners.
Quote API
Request executable settlement quotes and confirm them within the validity period.
Webhook Events
Receive real-time updates for collections, payouts, settlements, risk reviews and card transactions.
Reconciliation API
Query transactions, fees, quotes and settlement records for finance reconciliation.
Business Card API
Support card-based payout and spend-control use cases for approved business accounts.
•API access is available for approved business accounts after KYB and risk review.
•Available capabilities may vary by market, settlement route and account approval status.
•Webhook events help merchants synchronize payment and settlement status with their internal systems.
Business FAQ
Tell us about your business
Share your business model and target markets. Our enterprise team will review your case and recommend the right solution.
- KYB-based business review
- Supported-market assessment
- Collection, payout and settlement consultation
Start building your merchant settlement workflow
Contact HoyaPay Business to discuss stablecoin collection, payouts, local fiat settlement, business cards and API access for your market and use case.
Contact SalesBusiness access, settlement routes, API capabilities and card features are subject to KYB, market availability and risk review.