Does the beneficiary need a euro account?

Yes. The payout is in euros to an IBAN in one of the 34 SEPA countries. A beneficiary in Denmark, Poland or Sweden without a euro account would receive the payment converted by their own bank.

What is the maximum for a EUR payout to the 34 SEPA countries?

SEPA Instant EUR 100,000 per payment; SEPA Standard varies by bank. The receiving market sets it; XEROF adds no limit of its own. Payment types available: business to business, business to consumer, consumer to business.

Payouts to the 34 SEPA countries

Pay euros across SEPA from USDT or USDC

XEROF pays EUR over SEPA to a bank account in any of 34 countries from a USDT or USDC balance, business to business, business to consumer and consumer to business: SEPA Instant up to EUR 100,000 per payment, SEPA Standard above that, subject to the receiving bank's limits. Payout is in euros, including to countries outside the euro area. Coverage effective 1 October 2026.

How a payout to the 34 SEPA countries works

Countries covered: Andorra, Austria, Belgium, Croatia, Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Holy See (Vatican), Hungary, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, Monaco, Netherlands, Norway, Poland, Portugal, Romania, San Marino, Slovakia, Slovenia, Spain, Sweden and Switzerland.

Payout currency: EUR
Paid to: A bank account in the 34 SEPA countries, in the beneficiary's name
Payment types: B2B (business to business), B2C (business to consumer), C2B (consumer to business)
Maximum per payment: SEPA Instant EUR 100,000 per payment; SEPA Standard varies by bank. Set by the receiving market, not by XEROF.
Rails: SEPA Instant and SEPA Standard in EUR
Funding: USDT or USDC on Ethereum (ERC-20) only
Rate and pricing: You convert in XEROF Online at the live rate, sourced from tier 1 liquidity and passed through at cost; the confirmation shows the rate, the fee and the net amount

Who pays euros this way

Illustrative uses of the the 34 SEPA countries corridor.

A company settling supplier invoices across the euro area from one stablecoin treasury.
A business paying contractors in several SEPA countries, including Poland, Sweden and Norway, in euros from one balance.
A private client paying a European business against an invoice.

What XEROF needs before the first payment

Beneficiary name and IBAN, with BIC where the receiving bank asks for it.
The invoice or contract the payment settles.

A worked example in EUR

Illustrative figures for a payout to the 34 SEPA countries; the confirmation in XEROF Online shows the actual rate, fee and net amount before you commit.

You send: USDC 100,000 on ERC-20
XEROF converts: USD 100,000 converted in XEROF Online at the live rate from tier 1 liquidity
Beneficiary receives: EUR by SEPA Instant, in payments of up to EUR 100,000 each, or SEPA Standard
Fees on this example: 1.00% brokerage at the entry tier (USD 1,000), 0.25% third-party payment (USD 250), 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

Does the beneficiary need a euro account?: Yes. The payout is in euros to an IBAN in one of the 34 SEPA countries. A beneficiary in Denmark, Poland or Sweden without a euro account would receive the payment converted by their own bank.
What is the maximum for a EUR payout to the 34 SEPA countries?: SEPA Instant EUR 100,000 per payment; SEPA Standard varies by bank. The receiving market sets it; XEROF adds no limit of its own. Payment types available: business to business, business to consumer, consumer to business.

Maximum sizes for the 34 SEPA countries are set by the receiving market. Availability is subject to sanctions screening, XEROF's risk appetite and our payment partners' requirements, and may be varied or suspended; see the full coverage table. Indicative and not an offer.

Where to next

Pay euros in the 34 SEPA countries 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