Which stablecoins can fund a payout?

USDT or USDC on Ethereum (ERC-20) only. A transfer on TRC-20, Solana, Polygon or any other network cannot be used to fund a payout, so check the network before you send.

Does the beneficiary in Australia need a XEROF account?

No. The beneficiary is paid in Australian dollars to a bank account in their own name and needs no wallet or account with XEROF.

What does a payout cost?

The brokerage fee on the conversion (1.00% at the entry tier, lower with monthly volume, minimum USD 200 per transaction), plus 0.25% where the fiat goes to a third-party beneficiary, plus the USD 50 fiat withdrawal fee per payment. The Fee Schedule sets out the current terms.

Is there a minimum payout?

There is no minimum ticket. The minimum brokerage fee of USD 200 per transaction applies, so smaller payouts carry a proportionally higher cost; the confirmation shows the fee before you commit.

Who sets the maximum transaction size?

The receiving market. For Australia the current maximum is AUD 100,000 per payment. XEROF does not add a limit of its own.

Is XEROF an exchange?

No. XEROF is a Swiss-regulated Virtual Asset Service Provider acting as brokerage and settlement counterparty: it converts your stablecoins with its liquidity providers and pays the beneficiary from the proceeds. There is no order book and no platform account for the beneficiary.

What if the invoice exceeds AUD 100,000?

The amount is split into payments of up to AUD 100,000 each to the same beneficiary, from one conversion, each with its own USD 50 fiat withdrawal fee.

Payouts to Australia

Pay Australian dollars from USDT or USDC

XEROF pays AUD to a bank account in Australia from a USDT or USDC balance, business to business, business to consumer and consumer to business, up to AUD 100,000 per payment. Coverage effective 1 October 2026.

How a payout to Australia works

Larger amounts are split across payments to the same beneficiary from one conversion, each with its own confirmation.

Payout currency: AUD
Paid to: A bank account in Australia, in the beneficiary's name
Payment types: B2B (business to business), B2C (business to consumer), C2B (consumer to business)
Maximum per payment: AUD 100,000 per payment. Set by the receiving market, not by XEROF.
Rails: Local bank transfer in AUD
Funding: USDT or USDC on Ethereum (ERC-20) only
Rate: Converted at the desk's execution rate, sourced from tier 1 liquidity and shown on your confirmation together with the fee

Who uses this corridor

Illustrative uses. Every beneficiary is screened before fiat is released, and each payment is confirmed on its own.

A company paying an Australian supplier or adviser against an invoice.
A business paying Australian contractors to their own accounts.
A private client paying an Australian business against an invoice.

What XEROF needs before the first payment

Beneficiary name, BSB and account number.
The invoice or contract the payment settles.

A worked example

Illustrative only. Your confirmation shows the liquidity rate, the fee and the net amount before you commit.

You send: USDT 60,000 on ERC-20
XEROF converts: USD 60,000 equivalent converted at the desk's execution rate
Beneficiary receives: AUD in payments of up to AUD 100,000 each
Fees on this example: 1.00% brokerage at the entry tier (USD 600), 0.25% third-party payment (USD 150), USD 50 per payment

Fees follow the published tiers on the pricing page: Brokerage fee on the conversion by monthly volume: 1.00% up to USD 250,000, 0.85% to 1,000,000, 0.65% to 2,000,000, above that on request. Minimum brokerage fee USD 200 per transaction. Third-party payment: an additional 0.25% where fiat is paid to a beneficiary other than you. Fiat withdrawal: USD 50 per outgoing payment.

Common questions

Which stablecoins can fund a payout?: USDT or USDC on Ethereum (ERC-20) only. A transfer on TRC-20, Solana, Polygon or any other network cannot be used to fund a payout, so check the network before you send.
Does the beneficiary in Australia need a XEROF account?: No. The beneficiary is paid in Australian dollars to a bank account in their own name and needs no wallet or account with XEROF.
What does a payout cost?: The brokerage fee on the conversion (1.00% at the entry tier, lower with monthly volume, minimum USD 200 per transaction), plus 0.25% where the fiat goes to a third-party beneficiary, plus the USD 50 fiat withdrawal fee per payment. The Fee Schedule sets out the current terms.
Is there a minimum payout?: There is no minimum ticket. The minimum brokerage fee of USD 200 per transaction applies, so smaller payouts carry a proportionally higher cost; the confirmation shows the fee before you commit.
Who sets the maximum transaction size?: The receiving market. For Australia the current maximum is AUD 100,000 per payment. XEROF does not add a limit of its own.
Is XEROF an exchange?: No. XEROF is a Swiss-regulated Virtual Asset Service Provider acting as brokerage and settlement counterparty: it converts your stablecoins with its liquidity providers and pays the beneficiary from the proceeds. There is no order book and no platform account for the beneficiary.
What if the invoice exceeds AUD 100,000?: The amount is split into payments of up to AUD 100,000 each to the same beneficiary, from one conversion, each with its own USD 50 fiat withdrawal fee.

Other corridors

Maximum transaction sizes are set by the receiving market, not by XEROF.
Some corridors carry destination-specific requirements, including beneficiary documentation and purpose of payment codes, which are confirmed before the first payment.
Availability of any corridor is subject to sanctions screening, XEROF's risk appetite and the requirements of our payment partners, and may be varied or suspended without notice.
Payments are priced under the XEROF Fee Schedule. Indicative and not an offer.

Where to next

Pay Australian dollars in Australia from a stablecoin balance through a Swiss-regulated counterparty. Open an account online as a company or an individual; payouts are available once onboarding is complete.

Talk to our team Open account