58% to 64%
The share of all stablecoin payments whose recipient is a business. Business-to-business is the largest single lane.
Allium, September 2026
USDC in. Fiat out.
Convert USDC or USDT to fiat and land it in a bank account on that country’s own rail. The rate, the fee and the rail are on the quote before you confirm.
- RTP and ACH
$24,800.00 - SEPA Instant
€22,890.40 - Faster Payments
£19,520.08 - Local transfer
AED 91,045.76
Example: 25,000 USDC on Starter, at example rates.
What is a stablecoin off-ramp for a business?
A stablecoin off-ramp turns USDC or USDT into fiat in a bank account. With Rivet, a company picks the balance and the recipient, accepts a quote showing the rate, the fee and the rail, and the money lands on that country’s own rail: minutes on Faster Payments or SEPA Instant, one to three banking days on ACH.
From USDC to fiat
Start from a balance
Use the USDC or USDT in your account, on Ethereum, Base, Solana, Polygon, Optimism or Avalanche.
Choose where it lands
Your own bank account, or a supplier’s or a contractor’s. They receive it in an ordinary account on their country’s rail and need no wallet.
Read the quote
The rate, the fee and the rail are on the screen. Nothing converts until you accept it.
It lands as fiat
One payout, or one leg of a batch, under the same roles and thresholds. If a leg fails, the money returns to your balance and you can retry it.
Work out a payout
Any provider should show you all three parts of the cost before you confirm. When a quote shows only one, the other two are usually inside the rate.
- Example rate
- 1 USDC = 1.0000 USD
- Conversion margin, 0.80%
- −200.00 USDC
- Network fee
- At cost, on your quote
- Bank payout fee
- Shown when you send
- Time to land
- One to three banking days
- You receive, before the bank fee
- $24,800.00
Example rates, not live ones. The margin shown is the lowest on each plan and depends on the pair and the amount. USDT works the same way.
How long each rail takes
- SEPA InstantEURSeconds
- Faster PaymentsGBPNear-instant
- RTPUSDMinutes
- US wireUSDNext banking day
- Same-day ACHUSDNext banking day
- ACHUSDOne to three banking days
- SWIFTUSDOne to five business days
Typical times once the coin has converted. The quote names the rail and the expected time before you confirm.
Three ways money leaves a company
Local railACH, SEPA, Faster Payments
Business days for ACH. SEPA Instant and Faster Payments run around the clock.
Swift wireBank to bank, via correspondents
Business days, with a cut-off time at each bank on the way.
USDC or USDTOn-chain, then off-ramp if needed
Around the clock, weekends and public holidays included.
Local railACH, SEPA, Faster Payments
Seconds on an instant rail. Same day to two business days on ACH.
Swift wireBank to bank, via correspondents
Three in four reach the recipient’s bank within ten minutes. The last mile inside that country can then take one to five business days.
USDC or USDTOn-chain, then off-ramp if needed
Seconds to minutes on-chain. An off-ramp into a bank then takes that rail’s time.
Local railACH, SEPA, Faster Payments
Sometimes, by the bank, before it settles.
Swift wireBank to bank, via correspondents
A recall can be requested. It is not guaranteed.
USDC or USDTOn-chain, then off-ramp if needed
No. A confirmed transfer is final.
Local railACH, SEPA, Faster Payments
Where you hold details in that currency and the recipient has a local account.
Swift wireBank to bank, via correspondents
Almost any bank in the world.
USDC or USDTOn-chain, then off-ramp if needed
Anyone with a wallet or an account that takes the coin on that network.
Local railACH, SEPA, Faster Payments
A fee per payout. FX only if the currency changes.
Swift wireBank to bank, via correspondents
A sending fee, often a fee at each intermediary bank, and the receiving bank’s fee.
USDC or USDTOn-chain, then off-ramp if needed
A network fee of cents, plus the conversion margin on the way in and out.
Local railACH, SEPA, Faster Payments
Paying people in a currency you hold.
Swift wireBank to bank, via correspondents
A one-off to a bank no other rail reaches.
USDC or USDTOn-chain, then off-ramp if needed
Weekends, counterparties who take USDC or USDT, and corridors with no practical local rail.
Swift’s own figure, March 2026: 75% of payments reach the recipient’s bank within ten minutes, and 80% of the remaining delay happens after a payment has left its network. A Rivet batch can carry all three kinds of leg, each priced before you approve it.
What can hold up a payout
A stablecoin transfer is final in minutes. The bank end has its own rules, and these are the ones that catch companies out.
The name does not match
Banks compare the name you enter with the name on the account. Euro-area banks have had to offer this check since 9 October 2025, and a mismatch can stop a payment. Use the name on the bank’s own records. A failed leg returns to your balance for a retry.
The rail is closed
The coin moves at any hour. ACH and wires wait for the next banking day. On a Friday evening, RTP, SEPA Instant and Faster Payments still run.
The coin trades below a dollar
On 11 March 2023 USDC fell to about $0.88 after Circle disclosed $3.3 billion held at Silicon Valley Bank. It was back at $1 by the Monday. The quote shows the rate before you accept it, so you can choose to wait.
The bank asks where the money came from
A receiving bank can ask about funds that started as crypto. Each conversion carries a reference and shows the rate used, and both are on your statement.
Who converts to fiat, and what it costs
Public reports, read in November 2026. Each row says where it comes from, so you can check it. Methods differ between reports, so the rows do not add up to one total.
69%
Of 265 senior finance leaders at large US companies already looking at stablecoins, the share running them in live operations by September 2026. Faster settlement was the benefit most often proven, named by half of them.
Payoneer with Ascend2, September 2026
18%
Companies with stablecoins in production in 2026, twice the share a year earlier, from a survey of 521 decision makers. In the previous survey, 41% of those already using them had cut cross-border costs by at least 10%.
EY-Parthenon, Blockchain Payments Survey, 2026 and June 2025
0% or 0.05%
What Circle charges its Mint customers to redeem USDC since October 2026: free within two business days, 0.05% for immediate processing. Mint serves exchanges, banks and institutions. Other companies reach USDC through a provider, and that provider’s margin is the price they pay. Bank settlement time comes on top.
Digital Today and CryptoSlate, October 2026
Who uses an off-ramp
Companies that earn or settle in USDC and USDT and still pay rent, staff and vendors in fiat, from one account, with one set of controls.
Where there is no practical local rail, an on-chain leg is what makes the payout possible, and it can sit inside an otherwise ordinary batch.
You hold USDC and the supplier invoices in euro. They get an ordinary bank transfer.
FAQ
Three parts: the network fee, usually cents, passed through at cost; the conversion margin, from 0.80% on Starter, 0.50% on Growth, 0.30% on Scale and 0.15% on Enterprise; and the fee for the bank rail, shown when you send. All three are on the quote before you confirm.
The on-chain leg settles in seconds to minutes. The bank leg then takes that rail’s time: minutes on Faster Payments or SEPA Instant, one to three banking days on ACH, or the same banking day on same-day ACH, the same day on most local transfers. The quote names the rail and the expected time before you confirm.
No. If you pay out in a local currency they receive it in an ordinary bank account, on that country’s own rail. The on-chain leg, where there is one, is how the value travels on our side rather than something the recipient deals with.
Yes. A single batch can mix local rail legs and off-ramp legs, so paying a team spread across several countries is still one approval and one debit.
A stablecoin transfer settles in minutes at any hour, weekends included, if the supplier can receive USDC or USDT. A Swift wire reaches any bank but can take days and lose fees to intermediary banks. Where the supplier’s local rail is available, a local payout is often cheaper than either.
A confirmed on-chain transfer is final, so a wrong network or address can mean the money is gone. The quote names the coin and the network before you confirm, every send goes through the same roles and thresholds as a payout, and a small test transfer to a new address is the habit we recommend.
