Why Merchants Need Crypto-to-Fiat Settlement & How to Choose One
Accepting crypto doesn’t protect you from volatility, chargebacks, or tax complexity. You need a reliable crypto-to-fiat conversion path. In this article, we compare several leading options on the market.
The Problem: Crypto Revenue vs Business Revenue
You’ve integrated crypto payments. Customers pay in BTC, ETH, or stablecoins. But most businesses still spend in fiat: salaries, rent, taxes, supplier invoices, loans, and accounting. That’s why the Fiat Settlement matters.
Every merchant faces three realities:
-
Volatility risk — daily swings erase your margin
-
Tax complexity — every conversion is a taxable event
-
Compliance burden — AML obligations remain
If you accept crypto but can’t reliably convert to spendable funds, you’re running a hedge fund, not a store.
Crypto-to-Fiat Treasury Management
All listed providers offer B2B (Business-to-business) solutions for merchants to convert crypto to fiat and vice versa. Differences are in user experience, timings, and support.
|
Feature |
MoonPay |
Transak |
Banxa |
|
|
OTC Desk |
Built-in |
NYDFS |
48h onb. |
No |
|
Settlement |
5–20 min |
Min—hours |
Min—hours |
<30 min |
|
Support |
Personal manager |
Ticket |
Manager (OTC only) |
Ticket |
On/Off-Ramp Solution for Your Users
If you want to integrate an on/off-ramp so your own users can buy or sell crypto directly through your platform, here’s how the same platforms compare:
|
Feature |
Guardarian |
MoonPay |
Transak |
Banxa |
|
Fee model |
Starts from 1.4% |
1–4.5% |
0.49–3.99%+ |
Spread 2–5%+ |
|
Assets |
1,000+ |
~200 |
~136 |
~130 |
|
Countries |
170+ |
~180 |
75+ |
~100 |
|
Fiat currencies |
30+ |
~20 |
~10 |
~20 |
|
Integration |
~10 min widget |
Days (SDK) |
1–2 days (SDK) |
Variable |
|
KYC |
Low-KYC <€700 |
Required >€100 |
Required always |
Required always |
|
Payment methods |
Visa, MC, G/A Pay, SEPA, PIX, SPEI |
Visa, MC, G/A Pay, SEPA, PIX |
Visa, MC, G/A Pay, SEPA, PIX |
Visa, MC, SEPA, FP |
A Closer Look
Guardarian — One-stop for retail + B2B. Built-in OTC with preferential rates and increased limits. 1,000+ assets, Starting from 1.4% all-in fee, 10-min widget, personal manager, since 2017.
MoonPay — Strong brand, expanding into institutions (NYDFS Trust Charter). Card fees 4.5%, KYC above €100, ticket support.
Transak — 48-hour OTC onboarding with 0% OTC fees. Card fees 3.99% + network + partner fees; only ~10 fiat currencies.
Banxa — ASX-listed, reliable compliance. No OTC desk. Fees compound (spread + processing), ticket support.
How to Choose
- Need B2B + B2B2C: Choose a partner that works well for both your treasury management and your end-users — saving you time, compliance overhead, and cost.
- Usual transaction size: Smaller transactions -> B2B exchange. For big payouts -> OTC is essential.
- Integration speed: 10-min widget beats multi-day SDK.
FAQ
What is OTC?
Large-volume trades outside public order books — avoiding slippage.
Why not use separate providers for my business?
Double integration, two compliance relationships, two support channels, and a higher cost.
How fast is fiat settlement for businesses?
It always depends on the provider and payment method, so choose carefully.