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 Kingdom need a XEROF account?

No. The beneficiary is paid in pounds sterling or euros 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 Kingdom the current maximum is Faster Payments GBP 1,000,000; SEPA Instant EUR 100,000; SEPA Standard varies. 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 quickly does a Faster Payment arrive?

Faster Payments normally settle within minutes during the scheme's operating hours, once the conversion is complete and screening is cleared.

Can I be paid in euros in the UK?

Yes, to a euro account, by SEPA Instant up to EUR 100,000 or SEPA Standard above that, subject to the receiving bank's limits.

Is this the same as cashing out my own USDT to pounds?

A payout to your own UK account is the same conversion without the 0.25% third-party element. The cash out page describes that flow.

Payouts to United Kingdom

Pay pounds sterling from USDT or USDC

The United Kingdom is the largest single market for USDT-to-pound demand. XEROF pays GBP to a UK bank account by Faster Payments from a USDT or USDC balance, up to GBP 1,000,000 per payment, and EUR by SEPA where the beneficiary holds a euro account. Coverage effective 1 October 2026.

How a payout to United Kingdom works

Payments are business to business, business to consumer and consumer to business. Faster Payments settle within minutes during the scheme's operating hours; SEPA Instant is capped at EUR 100,000 and SEPA Standard limits vary by the receiving bank.

Payout currency: GBP or EUR
Paid to: A bank account in United Kingdom, in the beneficiary's name
Payment types: B2B (business to business), B2C (business to consumer), C2B (consumer to business)
Maximum per payment: Faster Payments GBP 1,000,000; SEPA Instant EUR 100,000; SEPA Standard varies. Set by the receiving market, not by XEROF.
Rails: Faster Payments in GBP; SEPA Instant and SEPA Standard in EUR
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 UK supplier invoice in pounds from a stablecoin treasury.
A business paying UK contractors and consultants to their own accounts by Faster Payments.
A private client paying a UK business, such as a solicitor or an agent, against an invoice.

What XEROF needs before the first payment

Beneficiary name, sort code and account number (or IBAN for a euro account).
The invoice or contract the payment settles.
For payments to your own account, the account must be in your name.

A worked example

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

You send: USDT 100,000 on ERC-20
XEROF converts: USD 100,000 equivalent converted at the desk's execution rate
Beneficiary receives: GBP by Faster Payments to the supplier's account
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 Kingdom need a XEROF account?: No. The beneficiary is paid in pounds sterling or euros 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 Kingdom the current maximum is Faster Payments GBP 1,000,000; SEPA Instant EUR 100,000; SEPA Standard varies. 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 quickly does a Faster Payment arrive?: Faster Payments normally settle within minutes during the scheme's operating hours, once the conversion is complete and screening is cleared.
Can I be paid in euros in the UK?: Yes, to a euro account, by SEPA Instant up to EUR 100,000 or SEPA Standard above that, subject to the receiving bank's limits.
Is this the same as cashing out my own USDT to pounds?: A payout to your own UK account is the same conversion without the 0.25% third-party element. The cash out page describes that flow.

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 pounds sterling or euros in United Kingdom 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