Crypto-to-bank payment agent · SWIFT · BI-FAST
Pay any invoice in the world with USDT.
Upload the invoice, send USDT, and Arkipo settles the bank transfer to your supplier, landlord, school or clinic. One all-in fee, the rate locked for 15 minutes, an MT103 for your books.
- 2.5% → 1%Arkipo fee by invoice amount · no spread
- 1–2 daysSWIFT, typically · rupiah by BI-FAST within hours
- Any bank on SWIFTUSD, EUR and CNY from our Bank Mandiri accounts; IDR by BI-FAST
indicative figures as of Oct 21, 2026 · live rates load in a moment
Indicative until you confirm. After confirmation the rate is fixed for 15 minutes.
- PT Global Payment Gateway · registered payment agent (details on the compliance page)
- KYC and sanctions-list checks on every client and beneficiary
- Client funds kept apart from company funds
- Support on business days in English and Russian; Indonesian on request
How can you move money between crypto and banks?
Every flow runs through a registered company account under an agent agreement. Nobody meets a stranger with cash and nobody sells USDT on a marketplace to pay a bill.
Pay an invoice
You send USDT, the beneficiary gets a bank transfer with the invoice number in the reference. SWIFT in USD, EUR or CNY, from $1,000.
USDT → USD · EUR · GBP · AED · CNY · THB …
Get paid in USDT
Your customer pays an ordinary invoice to our account by bank transfer. After the funds are finally credited, you receive USDT within one business day.
SWIFT in → USDT out
Arkipo OTC for payment companies
USDT ↔ USD and EUR settlement for licensed payment institutions. Quoted by the desk, settled the same day, after KYB and a master agreement.
from 0.1% · tickets from $50,000
Solutions by corridor, use case and comparison
One page per question people actually search: a country, a kind of payment, or two routes side by side. Each carries its own terms, documents and worked example.
Where the beneficiary's bank is
What the invoice is for
Which route fits
Where does the money go, and how fast?
USD, EUR and CNY go out by SWIFT from our Bank Mandiri accounts; rupiah to any Indonesian bank. The payment order fee is shown before you pay.
SWIFT
typically 1–2 business daysAny bank in the world with a SWIFT BIC, in USD, EUR or CNY. Payment order $80, from $1,000. MT103 for every payment.
BI-FAST
within hoursRupiah or dollars to any Indonesian bank: free to Bank Mandiri, $80 to other banks, from $1,000.
Other currencies
on requestGBP, AED, THB, SGD, HKD, TRY and others through our partners: we confirm the route, the fee and the timing before you commit to anything.
How does a payment work, step by step?
You pay us in stablecoins under an agent agreement. The beneficiary gets an ordinary bank transfer from a company account, with your invoice number in the reference.
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Get a quote
Enter the amount and currency. You see the rate, the fee, the bank cost and the delivery date before you commit to anything.
30 seconds · no account -
Upload the invoice, verify once
Send the invoice (PDF or photo) and the beneficiary's bank details. We confirm the amount and the account details with you. Verification is done once.
about 3 minutes -
Send USDT to your address
The rate is locked for 15 minutes after you confirm. We confirm the transfer on-chain and record the hash.
1 confirmation -
We pay, you get proof
After the compliance check the transfer goes out before the bank cut-off. You receive the bank confirmation (MT103 on request), our invoice and the agent report.
same business day
What do people pay with us?
Any legitimate invoice with a bank beneficiary. We check the purpose, the counterparty and the sanctions lists, then pay.
Suppliers and import
Pro-forma and commercial invoices to factories and trading companies, with the contract on file.
Rent, villas and property
Long-term rent, deposits and purchase instalments to owners, agencies and notaries.
Tuition and schools
Universities, international schools and language courses, with the student reference in the payment.
Clinics and medical bills
Hospitals, dental and wellness clinics, including deposits before treatment.
Travel, flights and hotels
Tour operators, charter companies and hotels that invoice by bank transfer.
Software and subscriptions
Annual licences, cloud and advertising invoices that your bank's card will not pay.
Contractors and payroll
Pay a remote team in their local currency from one USDT balance, with one monthly statement.
Receive customer payments
Your client pays an ordinary invoice to our account; you get USDT within one business day after final credit.
What does it cost?
An Arkipo fee by invoice amount and a payment order fee. Currencies are converted at the market rate with no mark-up.
| Invoice amount (USD) | Arkipo fee | Minimum payment |
|---|---|---|
| up to $10,000 | 2.5% | $1,000 |
| $10,000 – $50,000 | 2% | — |
| $50,000 – $100,000 | 1.5% | — |
| from $100,000 | 1% | — |
The percentage applies to the whole amount. Plus the payment order: free to an account at Bank Mandiri, $80 to any other bank in Indonesia or abroad. Converting USDT to dollars on your own account costs 0.2%, or 0.15% from $500,000.
Full pricing and worked examplesInvoice for €10,000 to a German supplier
indicative figures as of Oct 21, 2026 · live rates load in a moment
The same lines appear in the quote, in the agent report and in your monthly statement. No markup is hidden in the rate.
Sell USDT on a trading platform, withdraw to a personal account, explain the source of funds, wire from a bank that may block it.
Quote, send USDT, receive the MT103. The beneficiary sees a transfer from a registered company with the invoice number in the reference.
How do you follow a payment?
The same steps our operations desk follows: when the USDT arrived, when compliance cleared it, when the bank sent it, and when the beneficiary was credited. We tell you at every step.
- UETR the moment the transfer is sent, MT103 on request; credit confirmation when the bank reports it
- A message in Telegram or by email at each step
- If the bank returns the payment: resend with corrected details or a USDT refund at the locked rate
10,000.00 EUR → Beispiel Maschinenbau GmbH
- ✓Quote locked · 1 EUR = 1.1628 USD20 Oct 2026, 09:14 WITA
- ✓USDT received · 1 confirmation11,858.07 USDT · TX 7f3a…c91e · Tron · 09:19
- ✓Compliance check passedInvoice, beneficiary and sanctions screening · 09:31
- ✓Converted at the locked rateEUR 10,000.00 · 09:32
- ✓SWIFT transfer sentRef. ARK24817-0331 · UETR 9f8e…2b1a · 10:02
- Awaiting credit confirmationExpected within 1–2 business days
- Credited to the beneficiary
Why do banks accept our transfers?
Banks keep our accounts open because every payment is documented. That is what makes the transfers arrive.
Verified clients only
Individuals pass KYC, companies pass KYB. We know who pays, who is paid and why.
Sanctions-list checks
Clients, beneficiaries and senders are checked against OFAC, EU, UK and UN lists before money moves; USDT is accepted only from addresses whose owner we can identify.
Segregated client funds
USDT received for a payment is held apart from company funds until the transfer is sent. We are not a bank and do not hold deposits.
PT Global Payment Gateway
PT PMA registered in Denpasar, Bali, in December 2024 (NIB 2412240053279), bank accounts at Bank Mandiri in USD, EUR, CNY and IDR. Licensing details are available on request. Partner names are not published.
What do companies get?
Pay suppliers and contractors in batches, collect customer payments by bank transfer, settle in USDT. An individual fee for regular volumes, monthly statements and a personal manager.
- Batch payouts from a file, with a status per row
- Named payment references so your customers' transfers are matched by our desk
- KYB once for the company; then the people named in the agreement instruct payments, with an approval limit if you want one
- Monthly statement and closing documents for your accountant
- Arkipo OTC for licensed payment companies: USDT ↔ USD and EUR, quoted by the desk, settled the same day
- Client cabinet with roles, approval limits and the document archive
- API for quotes, payments, collections and documents, with status webhooks
- Sandbox and test keys with the business agreement
Until then: orders and documents by email and Telegram, one order number per payment.
Questions people ask before the first payment
Is it legal to pay a foreign invoice with crypto?
You do not pay the beneficiary in crypto. You pay our company in USDT under an agent agreement, and we pay the invoice in fiat from our bank account; the beneficiary receives an ordinary bank transfer with the invoice reference. Whether holding and using crypto is permitted for you depends on your country of residence.
How long does a payment take?
SWIFT payments typically take one to two business days, sometimes three for some corridors; rupiah by BI-FAST arrives within hours. Payments confirmed before the bank cut-off are sent the same business day.
What does it cost?
An Arkipo fee by invoice amount: 2.5% up to $10,000, 2% up to $50,000, 1.5% up to $100,000, 1% from $100,000. Plus the payment order: free to Bank Mandiri, $80 to any other bank. Currencies are converted at the market rate with no mark-up. Nothing else.
What happens if the beneficiary's bank returns the payment?
We tell you the reason the bank gave, fix the details and resend, or refund you in the crypto you paid with at the locked rate, minus the bank's return fee. Refunds are usually completed within three business days.
Quote in 30 seconds, no account needed