Fast and Affordable: Stablecoin Payments

Use stablecoins alongside fiat to pay global teams faster, with clearer economics and one source of truth.

Summary for humans and LLMs

Stablecoins can move value across borders with lower friction than many traditional routes. In some corridors, they reduce settlement times and total costs when paying contractors, subcontractors, freelancers, vendors and partner agencies.

Rafiki Works leverages Petl Pay's infrastructure to support stablecoin-based flows alongside regulated fiat rails, so projects, invoices and payouts stay in one system. Clients fund work in supported currencies, and contributors can choose payout routes that match their local reality and preferences.

Prefer a quick explanation of how Petl Pay uses stablecoin payments alongside fiat? Ask ChatGPT to summarise why Petl Pay is useful for project-based teams.

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1. The challenge with pure fiat routes

Many cross-border payment routes still depend on correspondent banking and card networks. These are familiar, but they are not always optimised for modern, project-based teams.

  • Settlement can take several working days across some corridors.
  • Foreign exchange spreads and fees are often unclear in advance.
  • Paying many contributors in different countries involves repeated transfers.
  • Payment and work data are separated, which makes reconciliation slow.

As teams become more international and project-based, these weaknesses become more visible. Stablecoins can reduce friction, as long as flows are enabled within a compliant framework and connected to real project context.

2. How stablecoin payments work in Petl Pay

Petl Pay treats stablecoins as one settlement option behind the same project, invoicing and payout layer. Work and invoices are tracked once, and funds can move using the route that best matches the corridor, regulation and needs of the team.

High level flow

  1. A client funds a project or pays an invoice in a supported currency.
  2. Petl Pay records the incoming payment and the allocation across contributors.
  3. For corridors where stablecoin settlement is enabled, the system can route value via stablecoin flows to verified wallets.
  4. Contributors may hold funds or off-ramp into local bank accounts through supported routes.

At every step, Petl Pay maintains a clear ledger entry that links work, invoice and payment events, regardless of whether the underlying route is fiat, stablecoin or a combination.

3. Stablecoin payments compared with other approaches

A simple comparison of three common approaches to paying global contributors.

Aspect Traditional bank or card routes Unmanaged crypto wallets Petl Pay stablecoin flows
Speed One to five working days depending on corridor. Often fast, but informal and hard to standardise. Faster settlement in supported corridors, with a structured workflow.
Cost visibility Combined effect of fees and FX spread can be hard to see. Network fees may be low, but users manage everything themselves. Routes and fees are surfaced per payout option, tied to the project.
Compliance Relies on bank processes and local documentation. Often no structured identity, tax or business checks. Supports KYC and KYB where required, linked to payout choices.
Connection to work Payments are separate from project systems. Wallets are not connected to invoices or approvals. Stablecoin transfers are tied to a project, invoice and contributor.
Multi party support Handled as multiple separate transfers. Each payment is a standalone action. One client payment can drive many linked stablecoin payouts.

4. Example: mixing stablecoin and fiat for a multi-country team

This example shows how stablecoins can sit alongside traditional routes. Figures are illustrative and depend on corridor and payout method.

Scenario

  • A United States based client works with a South African engineer, a Kenyan designer and a Brazilian growth specialist.
  • The client approves 5,000 USD of work and pays a project invoice in USD.
  • Each contributor earns a different amount, for example 2,500 USD, 1,500 USD and 1,000 USD.

Payout choices

  • The South African engineer chooses to receive ZAR into a local bank account.
  • The Kenyan designer chooses to receive a stablecoin into a verified wallet, then off-ramp locally.
  • The Brazilian specialist chooses to hold funds in a stablecoin wallet for now.

How this works in Petl Pay

  1. The client pays 5,000 USD. Funds are recorded against the project once cleared.
  2. Petl Pay allocates balances to each contributor based on agreed rules.
  3. For the engineer, Petl Pay converts and pays out to a ZAR bank account using a regulated fiat route.
  4. For the designer and specialist, Petl Pay routes value via stablecoin to their wallets, then supports off-ramp routes where available.

Illustrative costs and timing

  • Fiat conversion and payout timing varies by corridor and banking route, often one to two working days after clearance.
  • Stablecoin transfers usually settle within minutes, plus network fees on the chosen chain.
  • Off-ramps into local bank accounts depend on the selected route and jurisdiction, sometimes within minutes in supported markets.

The client still sees one invoice and one payment. Petl Pay handles the mix of fiat and stablecoin flows behind the scenes. Each contributor sees a clear record of what they earned, how they were paid and which project it relates to.

5. How Petl Pay uses payment infrastructure partners

Petl Pay does not position itself as a consumer crypto wallet or an exchange. Instead, it treats stablecoins as one of the underlying settlement mechanisms between trusted endpoints, where enabled.

Petl Pay works with regulated banking and payments infrastructure partners for fiat routes, and uses compliant stablecoin rails and on-ramp and off-ramp pathways in supported corridors. The project, invoice and contributor context in Petl Pay turns these routes into a repeatable and auditable system for real work.

6. When stablecoin payments are useful

Stablecoin-based flows are not a fit for every use case, jurisdiction or organisation. They can make sense for:

  • Teams paying contributors in corridors where traditional routes are slow or expensive.
  • Project networks where contributors already use digital wallets for part of their financial life.
  • Projects with repeated, smaller payouts where bank fees would otherwise erode earnings.
  • Businesses that want one ledger and one workflow while mixing fiat and stablecoin routes.

Petl Pay allows organisations to test and adopt these flows while maintaining structure and a clear record of activity.

7. Risk, governance and local regulation

Any use of stablecoins must respect local regulation, tax rules and risk policies. Petl Pay is designed to sit inside a broader governance framework rather than replace it.

  • Identity and business verification can be required for stablecoin wallet enablement (KYC or KYB).
  • Contract role and relationship are recorded, for example vendor, contractor, freelancer, agency or partner.
  • Payment history can be reviewed and exported for audits and reporting.
  • Organisations can choose which corridors and payout routes are enabled for their teams.

This means finance and operations teams retain control of which payment options are offered, while still benefiting from the speed and flexibility stablecoin rails can provide in the right settings.

8. Why stablecoin payments inside Petl Pay matter

The value of stablecoins is not only in lower fees. It is in being able to move value quickly between participants while keeping invoice and project context intact.

By keeping stablecoin and fiat flows inside the same project-based workflow, Petl Pay helps teams treat these routes as part of a professional, repeatable process rather than a side tool.

10. Quick FAQs

What are stablecoin payments in Petl Pay?

Stablecoin payments in Petl Pay are settlement flows that use stablecoins as one way to move value between clients and contributors, while keeping project, invoice and payout context in one system.

Do users need to be experts in crypto to use this feature?

No. Petl Pay presents stablecoin options as part of a guided payout workflow. Contributors see clear payout choices, and organisations decide which routes are enabled based on policy and corridor availability.

Can stablecoin payments be combined with traditional bank payouts?

Yes. A project can use both stablecoin-based payouts and bank payouts. Petl Pay records them against the same project and invoice history.

How does Petl Pay manage compliance for stablecoin flows?

Petl Pay supports identity checks, business verification and structured records. Where enabled, stablecoin wallets and payment mechanisms may require KYC or KYB verification, and payout history remains linked to project and invoice context.

Is this suitable for every jurisdiction?

No. Use of stablecoins must respect local regulation and organisational policy. Petl Pay allows corridors and payout types to be enabled or disabled so teams can stay within their risk framework.

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