Bring Your Profits Home

Faster and Cheaper

Stablecoin wallets and SEPA IBANs for global merchants

Become agile now

The Problem:

Cross-Border Repatriation
Is Slow and Costly

If you’re processing in Latin America or the US, getting your profits back to Europe in EUR is a frustrating process:

  • Your acquirers settle in local currencies (MXN, BRL, USD).
  • Funds must go through US intermediaries.
  • You face multiple FX conversions (e.g., MXN → USD → EUR).
  • And wait up to 7 days for settlement.

The total cost can exceed 4% — just to access your own money.

The Solution:

Stablecoin Payouts
+ EUR IBAN

We simplify global settlements by turning local payouts into stablecoin transfers, instantly converted to EUR, and settled into your own SEPA IBAN.

  • Receive USDT/USDC from your acquirer or processor.
  • Convert to EUR at a competitive fixed rate.
  • Funds are deposited into a dedicated IBAN in your company’s name.

No volatility. No wallet management. No banking delays.

How

It Works

  1. Your local acquirer settles the processed volumes in stablecoins (USDT/USDC) directly into your crypto wallet within our ecosystem.
  2. We convert them into EUR and transfer them to your dedicated IBAN.
  3. From there, you can:

✅ Send money via SEPA to your HQ or related entities.

✅ Pay suppliers directly in Fiat or Crypto.

✅ Hold funds in EUR or USDT/USDC as needed.

All operations are compliant, custodial, and automated via API.



Licensing & Regulatory Framework

We built this service for compliance-first merchants under a fully regulated infrastructure.

MSB-Licensed Partner

We work with a licensed Money Services Business (MSB) to operate:

  • Custodial crypto wallets.
  • Stablecoin-to-FIAT conversion.
  • Secure settlement rails into SEPA.

VASP Registration (MiCA-aligned)

Payconsulting is a registered Virtual Asset Service Provider (VASP) and:

  • Operates a MiCA-ready compliance program.
  • Includes KYC, AMLRO oversight, and risk controls.
  • Is actively pursuing full MiCA license authorization.

IBANs via Ryvyl (EU Financial Institution)

  • Dedicated business IBANs in your company name.
  • SEPA-compatible.
  • No “crypto flags” for receiving banks — you’re settling in EUR.

Built for merchants. Built for regulators.

Who

Is This For?

This service is ideal for:

  • EU merchants operating in LATAM and the US.
  • Local processors settling in MXN, BRL, or USD.
  • Companies tired of FX friction and payout delays.
  • We support both mainstream and high-risk verticals.

FAQ

Frequently Asked Questions

No. This is not speculative crypto. You’re using stablecoins (USDT/USDC), pegged 1:1 to the US dollar and backed by regulated issuers. Funds are custodial, not exposed to market volatility.

Not at all. This is a fully custodial solution — no wallet setup, no blockchain complexity. We handle the flows; you receive EUR in a bank account.

Yes. We operate under a licensed MSB and are a registered VASP. Our compliance program aligns with MiCA, including KYC, transaction screening, and fund traceability.

Absolutely. This is an alternative payout method, not a replacement. You can continue processing as usual, just settle faster and more cost-effectively.

Yes. Your EUR IBAN allows standard SEPA payments and can also be used for supplier payments in crypto when needed.

Yes. You decide when to convert. Funds can be held in stablecoins or EUR, depending on your treasury strategy.

Who

Is This For?

This service is ideal for:

  • EU merchants operating in LATAM and the US.
  • Local processors settling in MXN, BRL, or USD.
  • Companies tired of FX friction and payout delays.
  • We support both mainstream and high-risk verticals.

Let’s Talk — Is This Right for You?

We’ll assess your setup and see if stablecoin settlements are the right fit.

Ready to take control

of your international payouts?

No wallet stress. No banking delays. No hidden FX traps.

Let Payconsulting streamline your treasury across continents.

We help businesses find the most effective payment solutions by connecting them with trusted, tier 1 financial institutions and providers.

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Virutopay OOD - 35 Petrohan Str, Ruse 7006, Bulgaria

Virtuopay is committed to regulatory transparency and confidentiality. We support MiCA Classes 1, 2, and 3 under EU Regulation 2023/1114 for Crypto-Asset Service Providers (CASPs), in coordination with relevant national authorities in Spain and Bulgaria. Your information is treated confidentially and is never shared.

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