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 States need a XEROF account?

No. The beneficiary is paid in US dollars 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 States the current maximum is RTP USD 5,000,000; ACH USD 1,000,000; wire no limit. 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.

Which rail will my payment use?

RTP where the beneficiary bank supports it and the amount is within USD 5,000,000, ACH up to USD 1,000,000, and wire for larger amounts or where the bank requires it. The confirmation names the rail.

Can I pay USD to a beneficiary in China?

Yes. China is covered as a separate USD corridor with a maximum of USD 500,000; see the China page.

Payouts to United States

Pay US dollars from USDT or USDC

The United States corridor pays USD to a US bank account from a USDT or USDC balance over three rails: RTP for real-time payments up to USD 5,000,000, ACH up to USD 1,000,000, and wire with no limit set by the receiving market. Coverage effective 1 October 2026.

How a payout to United States works

Payments are business to business, business to consumer and consumer to business. The rail is chosen per payment from the amount and the beneficiary bank's capabilities.

Payout currency: USD
Paid to: A bank account in United States, in the beneficiary's name
Payment types: B2B (business to business), B2C (business to consumer), C2B (consumer to business)
Maximum per payment: RTP USD 5,000,000; ACH USD 1,000,000; wire no limit. Set by the receiving market, not by XEROF.
Rails: RTP (real time), ACH and Fedwire
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 a US supplier or software vendor in dollars against an invoice.
A business settling a large counterparty payment by wire, with no cap from the receiving market.
A private client paying a US business, such as a law firm or a broker, against an invoice.

What XEROF needs before the first payment

Beneficiary name, routing number and account number.
The invoice or contract the payment settles.
For wires, the beneficiary bank's wire instructions.

A worked example

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

You send: USDC 250,000 on ERC-20
XEROF converts: USD 250,000 converted at the desk's execution rate
Beneficiary receives: USD by RTP or wire to the counterparty's account
Fees on this example: 1.00% brokerage at the entry tier (USD 2,500), 0.25% third-party payment (USD 625), 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 States need a XEROF account?: No. The beneficiary is paid in US dollars 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 States the current maximum is RTP USD 5,000,000; ACH USD 1,000,000; wire no limit. 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.
Which rail will my payment use?: RTP where the beneficiary bank supports it and the amount is within USD 5,000,000, ACH up to USD 1,000,000, and wire for larger amounts or where the bank requires it. The confirmation names the rail.
Can I pay USD to a beneficiary in China?: Yes. China is covered as a separate USD corridor with a maximum of USD 500,000; see the China page.

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 US dollars in United States 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