Across international trade, more buyers are asking a simple question:
"Can we pay this invoice in USDT or another stablecoin instead?"
The reason is practical: bank transfers can be slow, dollar access is uneven, and stablecoins settle in minutes.
For the seller, receiving the payment is only one part of the process. The funds still need to be screened, recorded, converted when necessary, and used to pay suppliers or employees. Finance teams also need a clear record of every transaction.
Declining a stablecoin payment may mean losing the order. Accepting it without the right controls creates a different set of risks. The UQPay Unified Money Account is built to address both sides of that decision.
Stablecoins Are Moving into Business Payments Joint research by McKinsey & Company and Artemis Analytics estimated annualized B2B stablecoin payment volume at approximately USD 226 billion based on December 2025 activity, up 733% year on year. Payments originating in Asia accounted for about 60% of global stablecoin payment volume, led by Singapore, Hong Kong SAR, and Japan.[1]
Stablecoins are increasingly used for international trade, supplier payments, platform payouts, and treasury operations.
They operate around the clock, but are often managed through separate wallets and systems. This leaves finance teams with fragmented balances, manual reconciliation, and limited control over how funds are accessed and used.
One Account for Fiat and Stablecoins The Unified Money Account (UMA) connects fiat and stablecoin accounts in one environment. Businesses can receive, hold, convert, and pay supported currencies from a single platform.
UMA works as an enterprise account rather than a standalone wallet. Fiat and stablecoin balances sit alongside each other, while transaction records, permissions, and approvals are managed through the same system.
This makes stablecoin funds easier to manage within existing finance and treasury workflows.
Receive Stablecoins Stablecoins from buyers land directly in the UMA account and stay as received. No forced conversion, and the company picks when to convert. Screened at entry, available once verified.
Manage Balances in One Place View fiat and stablecoin balances in the same account environment.
Accounts can be organised by business line, purpose, or counterparty, making it easier to separate funds and reconcile transactions. Access is controlled through company permissions rather than a single private-key holder.
Convert When It Suits the Business Convert supported stablecoins into fiat currencies 24/7. Converted funds are credited to the multi-currency account and can be held, paid to suppliers, or used for international settlement.
Businesses can convert funds as soon as they arrive or manage conversions over time according to cash flow needs.
Pay Through the Right Route Choose the route that fits the recipient and the transaction:
Convert stablecoins into fiat and pay through local clearing networks or SWIFT. On supported corridors, settle over stablecoin rails while the recipient receives fiat or local currency. Pay in stablecoins where the recipient accepts them. The funds remain within the same account system from receipt through conversion and payment.
How It Works in Practice A business receives a USDT payment from an overseas buyer on a Friday evening. The payment enters its UMA account, goes through the required screening, and remains in USDT. The finance team reviews the transaction alongside the company's fiat balances. It converts part of the USDT into US dollars and pays a supplier through the multi-currency account. The remaining balance can stay in USDT, be converted later, or be used for another approved payment. Every movement is recorded in the same system and governed by the company's permissions and approval rules. What UMA Means for Your Business Offer Customers More Ways to Pay. Accept supported stablecoins from eligible customers without creating a separate wallet and reconciliation process.
Give Finance a Complete View. Manage fiat and stablecoin balances together, with transaction information available for reconciliation, reporting, and audit review. The appropriate accounting treatment remains subject to applicable accounting standards and professional advice.
Bring Stablecoins Under Treasury Control. Define who can access, convert, and pay funds. Apply company policies to stablecoin balances in the same way you manage other business funds.
Compliance and Availability. UQPAY Pte. Ltd. holds a Major Payment Institution licence issued by the Monetary Authority of Singapore. UQPAY Pty Ltd is registered with AUSTRAC in Australia to provide digital currency exchange and remittance services, and is also a corporate authorised representative of an Australian Financial Services Licence holder. UMA fund flows are supported by KYT, anti-money laundering, and sanctions-screening controls.
More Highlights Stablecoin acquiring and card issuing capabilities are available subject to customer review and product configuration. Supported currencies, networks, features, and markets depend on customer eligibility, product conditions, and applicable regulatory requirements.
Bring Fiat and Stablecoins Together Accept stablecoins without adding another disconnected finance workflow. Receive funds, manage balances, convert currencies, and make payments from one unified account system.
[1] Source: McKinsey & Company and Artemis Analytics, "Stablecoins in payments: What the raw transaction numbers miss," February 18, 2026.
This article is provided for general information only and does not constitute legal, tax, accounting, regulatory, or investment advice. Stablecoin services are subject to customer review, product conditions, and applicable regulatory requirements.
