Payouts to United Arab Emirates
Pay UAE dirhams from USDT or USDC
The UAE is XEROF's largest client market outside Switzerland: free-zone companies, real estate developers, brokers and the law and consulting firms that serve them, all invoicing in dirhams. XEROF pays AED to a UAE bank account from a USDT or USDC balance, business to business, business to consumer and consumer to business.
How a payout to United Arab Emirates works
Two rails: IPI settles up to AED 50,000 in real time at any hour, and FTS settles larger payments the same day when instructed before 18:00 UAE time. Payments are addressed to the beneficiary's IBAN.
- Payout currency
- AED
- Paid to
- Bank account in United Arab Emirates
- Payment types
- B2B (business to business), B2C (business to consumer), C2B (consumer to business)
- Maximum per payment
- AED 50,000 real time over IPI; no limit before 18:00 UAE time over FTS
- Rails
- IPI (real time) and FTS
- Pricing
- Per corridor: the AED leg is quoted per payment on the confirmation
Who pays UAE dirhams this way
- A company settling a Dubai or Abu Dhabi supplier, contractor or agency invoice in dirhams.
- A property buyer paying a developer or a broker's fee in AED from a stablecoin balance over FTS.
- A private client paying a UAE law firm, clinic or school against an invoice.
Paying United Arab Emirates from Zug: timing and practicalities
Dubai is two to three hours ahead of Zug, and the UAE working week is Monday to Friday, so the two working days overlap for most of the morning. IPI credits dirhams within seconds at any hour, including Friday afternoon and the weekend; UAEFTS payments confirmed before 18:00 UAE time settle the same day.
UAE beneficiaries are addressed by a 23-character IBAN beginning AE, and companies add their trade licence number. Property payments to developers and brokers are the largest single use of this corridor, and the sale agreement or payment schedule is collected before the first instalment.
Free-zone companies in DMCC, DIFC, ADGM, JAFZA and the northern emirates' zones bank with the same onshore institutions as mainland companies, so the payout instruction is identical; what differs is the licence document collected at beneficiary set-up. Emirates NBD, FAB, ADCB, Mashreq and Dubai Islamic Bank receive most dirham payouts.
What XEROF needs before the first payment
- Beneficiary name and UAE IBAN, with trade licence number for a company.
- The invoice or contract the payment settles.
- For property payments, the sale agreement or developer's payment schedule.
A worked example in AED
- You send
- USDC 100,000 on ERC-20
- XEROF converts
- USD 100,000 at the live rate
- Beneficiary receives
- AED over FTS to the counterparty's account, instructed before 18:00 UAE time
- Fees on this example
- Brokerage fee plus the quoted AED leg
Common questions
- What happens to a large AED payment instructed after 18:00?
- It goes over FTS the next UAE business day. Payments up to AED 50,000 use IPI and settle in real time at any hour, including weekends.
- What is the maximum for a AED payout to United Arab Emirates?
- AED 50,000 real time over IPI; no limit before 18:00 UAE time over FTS, set by the receiving market.
United Arab Emirates: limits set by the receiving market, availability subject to screening and partner requirements, indicative and not an offer. See the coverage table.
Nearby corridors
Open a XEROF account to pay UAE dirhams in United Arab Emirates.