SettleOps
Reduce international payment fees. Without creating more work afterwards.
The right rail is not judged only on the visible cost. You need to look at the real fees, the time lost, the proof you obtain and the reconciliation work that follows.
Non-custodial. We never touch your funds.
Reduce fees without moving the problem somewhere else
A comparison that includes visible fees, FX, intermediaries and time lost.
A payment that is easy to explain and document, without patchwork at closing time.
A rail that reduces friction without creating more work for your finance team or your accountant.
Why the real cost is often higher
Issuing fee. Receipt fee. Sometimes a fixed commission.
FX spread. Correspondent banks. Payer-side commission. Adjustments when the funds are credited.
Delays. Follow-ups. Supporting documents. One week of delay can cost more than a technical fee.
You want to objectify the cost on your own flows. 15-minute call
Compare 3 international payment options
Good when it is SEPA or when the correspondent chain is simple. Less good when the SWIFT path is long.
Fast, but variable fees and chargebacks. Often poorly suited to large B2B amounts.
USDC or EURC. Availability 24/7. Low network fees on Base. Clear traceability. Conversion to euros afterwards.
The goal is not to replace your bank. The goal is to have a reliable option when banking friction blocks the flow.
The 6 points to check before changing rail
Country and currency of the payer
SEPA or non-SEPA. Local currency or USD. This is the basis of the friction.
Amounts and frequency
One-off flows do not have the same constraints as recurring flows.
Fees and spread
Look at the invoice, then at the amount actually credited. The delta is often FX spread or correspondent banks.
Real timing
Average timing on your last 10 payments. Not the bank's promise.
Documents and traceability
You must be able to prove date, amount and counterparty. That is an accounting issue, not a crypto issue.
Conversion path to euros
If you receive USDC or EURC, you need a simple path to convert and transfer via SEPA.
Go further
If you arrive via Google, start with this page. Then book a diagnostic.
You want to reduce fees and stabilise your timing.
In 15 minutes we look at your countries, currencies, amounts and recent payments. You leave with a rail choice and a simple plan.
Learn more. USDC and EURC payments · Security