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.
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
- Bank account in United States
- 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
- Rails
- RTP (real time), ACH and Fedwire
- Pricing
- Standard fee schedule; live rate from tier 1 liquidity
Who pays US dollars this way
- 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.
Paying United States from Zug: timing and practicalities
New York is six hours behind Zug and California nine, so a dollar payment confirmed in the Swiss morning is queued before US banks open and released once Fedwire and RTP are live; one confirmed in the Swiss afternoon settles within the same US business day. ACH takes a business day and observes the Federal Reserve holiday calendar.
US beneficiaries are addressed by ABA routing number and account number, and larger wires need the beneficiary bank's own wire instructions, which sometimes name an intermediary bank. RTP is limited to participating banks; where the beneficiary bank is not on RTP the payment goes by wire.
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 in USD
- You send
- USDC 250,000 on ERC-20
- XEROF converts
- USD 250,000 at the live 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)
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. Third-party payment: an additional 0.25% where fiat is paid to a beneficiary other than you.
Common questions
- 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.
- What is the maximum for a USD payout to United States?
- RTP USD 5,000,000; ACH USD 1,000,000; wire no limit, set by the receiving market.
United States: limits set by the receiving market, availability subject to screening and partner requirements, indicative and not an offer. See the coverage table.
Nearby corridors
- USDT to USD rateLive indicative USDT/USD rate and how to sell USDT for US dollars at size in XEROF Online, Swiss-regulated: bank settlement, one visible fee..
- USDC to USD rateLive indicative USDC/USD rate and how to sell USDC for US dollars at size in XEROF Online, Swiss-regulated: bank settlement, one visible fee..
- Payouts to MexicoPay suppliers, contractors and invoices in Mexico from a stablecoin balance.
- Payouts to BrazilPay suppliers, contractors and invoices in Brazil from a stablecoin balance.
Open a XEROF account to pay US dollars in United States.