Stablecoins to fiat, built for business.
Receive USD by bank wire, hold it in your account, and settle as USDT over TRC-20 — with the review and record-keeping that cross-border payments require.
USD wire
Funding method
TRC-20
USDT settlement
0.5%
Conversion fee
Invitation
Account opening
Available balanceIllustration
$29,849.00
$35,300.00
$5,451.00
Email verification codes, role-based access and an audit log
Controls applied on every account
Illustration of the client portal, with example figures. Not a real account and not our own financial position.
Itemised fees
Every charge on its own line
TRC-20 only
USDT settlement
0.5% + $1.00
Withdrawal fee
New-device check
Email verification code
Cross-border settlement, without the reconciliation problem
Businesses that trade internationally commonly hold value in two places at once: fiat in a bank, and stablecoins on-chain. Moving between them usually means reconciling statements from several providers, and trusting a balance nobody can independently verify.
Mikupay is built around the opposite assumption. Your fiat activity and your digital asset activity sit in one account, on one statement, with every charge itemised separately. When you reconcile your records against ours, the two should agree line by line.
We work with a deliberately small, known client base. Accounts are opened by an account manager after onboarding review, and transactions are reviewed against what we understand about your business before funds move.
What your records give you
Every fee is its own entry
Charges are never netted off silently, so you can see exactly what was deducted and why.
Pending is not spendable
Entries held for review are visible but do not count toward your available balance.
Corrections are recorded
If something needs correcting, the correction is recorded as its own entry, so you can see what changed and why.
Platform-wide audit trail
Operational actions are logged with actor, action, entity and time.
Everything you need to move money
Four capabilities, one account, one set of controls.
Receive funds
A dedicated USD receiving account, allocated to you by your account manager. Send a wire and we match, verify and post it to your ledger.
- USD bank wire
- Dedicated account details
- 1–3 business days to clear
Convert
Move between your USD balance and USDT at a published rate, with no spread added to the underlying reference rate.
- 0.5% conversion fee
- No added spread
- Applied on conversion
Withdraw as USDT
Settle your balance on-chain over TRC-20. Every payout is reviewed, broadcast, and recorded with its transaction hash.
- 0.5% + $1.00
- $100.00 minimum
- Transaction hash recorded
Virtual cards
Apply for a virtual USD card for online spending — subscriptions, advertising and SaaS — reviewed and issued by our team.
- Visa or Mastercard
- Monthly spend limit
- Free to apply
From onboarding to settlement
A clear path from opening an account to moving funds on-chain.
Open your account
An account manager reviews your requirements and completes onboarding. Credentials are issued, and you set your own password with two-factor authentication on first sign-in.
Fund by wire
We allocate a dedicated USD receiving account to you, so the account number is what identifies your funds. The wire is credited to your ledger and appears on your statement with the sending bank — typically within 1–3 business days of the bank releasing it.
Hold or convert
Your balance updates from the ledger. Convert to USDT when you are ready, at the published rate, or hold in USD until you need to settle.
Settle on-chain
Request a payout as USDT over TRC-20. Once approved, it is broadcast and the transaction hash is recorded against the request for your records.
How your account is protected
The measures that operate on every account, described as mechanisms rather than slogans.
Reviewed onboarding
Every client and beneficial owner is verified before an account is activated, and information is refreshed when circumstances change.
Transaction monitoring
Activity is reviewed against what we understand about your business. Unusual activity is examined, and can be escalated.
Segregation of duties
Onboarding, review and payout approval are handled under separate roles rather than by a single operator.
Access control
A code sent to your email is required when you sign in from an unfamiliar device, sessions are revocable, and access is role-restricted.
Audit trail
Every operational action is recorded with the actor, the action, the entity affected and the time.
Documentary verification
Identity information is submitted as documents and assessed by our compliance team against our verification requirements.
Published, predictable pricing
Our fee schedule is public. Network costs are passed through at cost rather than marked up.
Receive funds
Free
Incoming USD wire
Convert to USDT
0.5%
No added spread
Withdraw
0.5% + $1.00
Service + TRC-20 network
Minimum withdrawal
$100.00
Per request
Business clients, by invitation
We provide accounts to business entities rather than to the general public. There is no self-service sign-up: an account manager assesses each relationship, and onboarding and verification are completed before an account is activated.
That model suits businesses that need a USD receiving account together with the ability to settle on-chain — and that value a provider which can evidence what it did and when.
What to expect when you apply
- 1
Initial discussion
We establish your requirements, the currencies and volumes involved, and how you intend to use the account.
- 2
Onboarding and verification
We collect and review the information needed to identify your business, its ownership and its activity.
- 3
Account creation
Your account is created and credentials are issued. You set your own password and confirm a code sent to your email address.
- 4
Receiving account allocation
Your account manager allocates your dedicated USD receiving details, and they appear in your portal.
- 5
First funding
You send a wire. We match it to your account, post it to your ledger, and notify you when it clears.
Common questions
Can I open an account myself?
No. Accounts are opened by an account manager on an invitation basis, after onboarding and verification. That review is a requirement of the business we operate in, not a limitation.
How do I get money onto the platform?
By USD bank wire to the dedicated receiving account we allocate to you. We do not currently support other funding methods, and the credit appears in your ledger once the wire has settled.
How do I get money out?
Request a withdrawal of your available balance as USDT over TRC-20. Requests are reviewed before payout, then broadcast on-chain. On-chain transfers are irreversible, so confirm the destination address before submitting.
How are fees charged?
Every charge is posted to your ledger as its own entry, so fees are individually visible and reconcilable rather than netted off silently. We do not apply a spread to the reference conversion rate.
Ready to move money at transparent rates?
Tell us about your requirements and an account manager will take it from there.
support@mikupay.com
Mikupay is a financial technology company. It is not a bank and does not accept deposits, and your balance is not a bank deposit — it carries no deposit insurance or government compensation of any kind.
Digital assets are not legal tender and their value can fall as well as rise, and on-chain transfers are irreversible once broadcast. Services are provided to business clients only and are subject to our Terms of Service.
Read the full disclosures — what we are, who provides each service, and what you can ask us for in writing.