Spend eUSD
The Spend flow extends Epay beyond remittances into everyday commerce. By enabling merchant payments, bill settlement, and treasury management tools, Epay transforms stablecoins into a practical medium of exchange for individuals and businesses.
Merchant Payments
Checkout Integration: Merchants can accept stablecoin payments online or in-store through Epay’s plug-and-play checkout.
APIs for Developers: Simple API endpoints allow e-commerce platforms, fintechs, and marketplaces to integrate Epay as a payment option.
Instant Settlement: Merchants can choose to settle in stablecoins or auto-convert to local fiat.
Low Fees: Reduces dependency on expensive card networks and settlement intermediaries.
Bill Payments & Utilities
Partner Integrations: Through local partners, users can pay for utilities (electricity, water, internet, telecom airtime) directly within Epay.
Recurring Payments: Automated bill pay options for regular services.
Regional Coverage: Rollout prioritized in high-remittance corridors where bill payment demand is strongest.
QR-Code & Invoice Flows
QR Payments: Merchants or individuals generate a QR code that customers scan to pay in stablecoins.
Invoice Generation: Businesses can create digital invoices denominated in fiat or stablecoins, payable via Epay.
Cross-Border Invoicing: Facilitates global commerce by removing FX friction for SMEs and freelancers.
Treasury & Business Tools
Invoicing Dashboard: Businesses can issue and track invoices, with settlement in fiat or stablecoins.
Treasury Management: Auto-conversion between stablecoins and local fiat for cash-flow control.
Bulk Settlement: Consolidated payout tools for vendors, contractors, and employees.
Accounting Integration: Exportable data and potential API links to ERP/accounting systems.
Key Benefits
For Merchants: Lower costs, faster settlement, and expanded customer base.
For Individuals: Simple bill payment and everyday utility coverage using stablecoins.
For SMEs/Freelancers: Cross-border invoicing and payments without FX headaches.
For Enterprises: Treasury tools that streamline cash management across fiat and stablecoins.
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