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 Philippines need a XEROF account?

No. The beneficiary is paid in Philippine pesos 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 Philippines the current maximum is PHP 50,000 per payment in real time; no limit otherwise. 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.

How fast does a peso payout arrive?

Payments up to PHP 50,000 are made in real time. Larger payments go by standard bank transfer and arrive within the receiving bank's normal processing time.

Can I pay several contractors from one balance?

Yes. Each beneficiary is screened once, and each payment carries its own confirmation and its own USD 50 fiat withdrawal fee.

Is this suitable for small monthly payments?

The minimum brokerage fee of USD 200 per transaction applies, so a single small payment carries a high proportional cost. Batching several payments into one conversion keeps the cost sensible; the confirmation shows the fee before you commit.

Payouts to Philippines

Pay Philippine pesos from USDT or USDC

The Philippines is a payroll and contractor corridor: businesses paying remote teams, agencies and suppliers in pesos. XEROF pays PHP to a bank account in the Philippines from a USDT or USDC balance, business to business, business to consumer and consumer to business. Coverage effective 1 October 2026.

How a payout to Philippines works

Payments up to PHP 50,000 arrive in real time. Larger payments are made by standard bank transfer with no upper limit set by the receiving market.

Payout currency: PHP
Paid to: A bank account in Philippines, in the beneficiary's name
Payment types: B2B (business to business), B2C (business to consumer), C2B (consumer to business)
Maximum per payment: PHP 50,000 per payment in real time; no limit otherwise. Set by the receiving market, not by XEROF.
Rails: Real-time transfer up to PHP 50,000; standard bank transfer above
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 monthly invoices from Philippine contractors, each to the contractor's own bank account.
A supplier payment in pesos against an invoice, above the real-time threshold, by standard transfer.
A business settling several beneficiaries from one stablecoin balance, each payment screened and confirmed separately.

What XEROF needs before the first payment

Beneficiary name and bank account details.
The invoice or contract the payment settles.
For business to consumer payments, the beneficiary's own account; XEROF does not pay to accounts held in another name.

A worked example

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

You send: USDC 5,000 on ERC-20
XEROF converts: USD 5,000 equivalent converted at the desk's execution rate
Beneficiary receives: PHP to the contractor's account, real time if under PHP 50,000 per payment
Fees on this example: Minimum brokerage USD 200, 0.25% third-party payment (USD 12.50), USD 50 fiat withdrawal

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 Philippines need a XEROF account?: No. The beneficiary is paid in Philippine pesos 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 Philippines the current maximum is PHP 50,000 per payment in real time; no limit otherwise. 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.
How fast does a peso payout arrive?: Payments up to PHP 50,000 are made in real time. Larger payments go by standard bank transfer and arrive within the receiving bank's normal processing time.
Can I pay several contractors from one balance?: Yes. Each beneficiary is screened once, and each payment carries its own confirmation and its own USD 50 fiat withdrawal fee.
Is this suitable for small monthly payments?: The minimum brokerage fee of USD 200 per transaction applies, so a single small payment carries a high proportional cost. Batching several payments into one conversion keeps the cost sensible; the confirmation shows the fee before you commit.

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 Philippine pesos in Philippines 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