Accept stablecoin payments. Settle compliantly in India.
Enable your merchants to collect stablecoins, convert to USD outside India and compliantly bring INR into India.
Supported currencies
What’s in it for you
Launch compliant stablecoin payment flows without operational complexity
Bring stablecoin payments into India
Stable native platforms use Xflow to help customers compliantly bring payments into India.
Seamless settlements
Users withdraw directly to their INR bank accounts through Xflow. T+2 settlement with e-FIRA issued on every transaction.
Unlock new markets
Add USDC and USDT as a payment rail and access Web3 companies and buyers across South America and Africa.
Fully compliant
Every payout comes with an e-FIRA issued by an AD Category I bank. Your customers stay audit-ready without any hassle.
How it works
Stablecoins stay outside India. Buyers pay in USDC or USDT, funds convert offshore into USD, and only fiat is settled into India through an AD Category I bank.
01 | Create wallet addresses for your users
Create USDC and USDT acceptance wallets for your users with our trusted partners over APIs.
02 | Buyer sends stablecoins
Overseas buyers send USDC or USDT to the assigned wallet address. Funds are converted offshore into USD and credited to the user’s Xflow Receiving Account. No stablecoin enters India.
03 | User withdraws in INR
Users raise invoices and withdraw funds to their Indian bank accounts. Funds settle T+2 with full compliance documentation included.
Built for the two leading stablecoins: USDC and USDT
USDC and USDT account for the majority of stablecoin volume globally. Buyers can pay in either across supported networks, while your users receive INR.
No crypto on your books
No crypto on your books
Instant conversion at receipt
Instant conversion at receipt
Same settlement flow as other Xflow collection rails
Same settlement flow as other Xflow collection rails
Networks supported
Accept payments across major stablecoin networks.
Solana
Solana
High-speed, low-fee network widely used across emerging markets.
Tron
Tron
Built for high-volume transfers - the network behind most USDT movements globally.
EVM chains
EVM chains
EVM-compatible networks like polygon, ethereum, etc.
