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 United Arab Emirates need a XEROF account?

No. The beneficiary is paid in UAE dirhams 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 United Arab Emirates the current maximum is AED 50,000 real time over IPI; no limit before 18:00 UAE time over FTS. 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 is a dirham payout?

Up to AED 50,000 arrives in real time over IPI. Larger payments go over FTS and settle the same day when instructed before 18:00 UAE time; later instructions settle the next business day.

Payouts to United Arab Emirates

Pay UAE dirhams from USDT or USDC

XEROF pays AED to a bank account in the United Arab Emirates from a USDT or USDC balance, business to business, business to consumer and consumer to business. Payments up to AED 50,000 are made in real time over IPI; larger payments go over FTS with no limit set by the receiving market when instructed before 18:00 UAE time. Coverage effective 1 October 2026.

How a payout to United Arab Emirates works

The corridor suits companies with UAE suppliers, landlords and counterparties, and private clients settling UAE invoices from a stablecoin balance.

Payout currency: AED
Paid to: A bank account in United Arab Emirates, in the beneficiary's name
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. Set by the receiving market, not by XEROF.
Rails: IPI (real time) and FTS
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 settling a UAE supplier or service invoice in dirhams.
A business paying a large counterparty payment over FTS before the 18:00 cut-off.
A private client paying a UAE business, such as a developer or a law firm, against an invoice.

What XEROF needs before the first payment

Beneficiary name and IBAN.
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: USDC 100,000 on ERC-20
XEROF converts: USD 100,000 converted at the desk's execution rate
Beneficiary receives: AED over FTS to the counterparty's account, instructed before 18:00 UAE time
Fees on this example: 1.00% brokerage at the entry tier (USD 1,000), 0.25% third-party payment (USD 250), 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 United Arab Emirates need a XEROF account?: No. The beneficiary is paid in UAE dirhams 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 United Arab Emirates the current maximum is AED 50,000 real time over IPI; no limit before 18:00 UAE time over FTS. 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 is a dirham payout?: Up to AED 50,000 arrives in real time over IPI. Larger payments go over FTS and settle the same day when instructed before 18:00 UAE time; later instructions settle the next business day.

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 UAE dirhams in United Arab Emirates 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