Steer Buyers to Optimal Rails
Highlight low-gas USDC (Base, Solana, Arbitrum, Circle Arc) or TRON TRC-20 USDT at the top of Dual Checkout so 85%+ of buyers pay natively in your target treasury asset.
Accept What Buyers Hold. Consolidate Into the Stablecoins Your CFO Trusts.
Define your preferred treasury assets (USDC, USDT, or EURC) once in the XPayr Settlement Router. Checkout prioritizes your preferred rails for buyers, executes active same-chain settlement routes straight to your wallet, and keeps every fee and transaction hash auditable.
Zero Custodial Clearing Pools
Where active same-chain DEX/router paths are enabled for your merchant policy, settlement routes directly into your configured multisig or hardware wallet without intermediary custody.
Transparent 0.5% vs Route Fees
XPayr never hides markups inside opaque FX rates: the 0.5% gateway fee, network gas, and any DEX/bridge route costs are recorded separately on every receipt envelope.
Settlement Router — Frequently Asked Questions
How does XPayr Settlement Router differ from custodial auto-conversion?
Custodial processors sweep your revenue into an omnibus exchange pool, charge hidden 0.5%–1.5% FX conversion spreads, and hold your balance until withdrawal. XPayr Settlement Router exposes your preferred stablecoin policy directly to the non-custodial checkout runtime — prioritizing your preferred asset (e.g., USDC on Base or USDT on TRON) and executing active same-chain routes directly to your wallet.
What is the operational boundary between same-chain and cross-chain settlement routing?
Settlement Router preferences are exposed to the checkout runtime and active same-chain routes can execute during checkout. Cross-chain routing remains route and liquidity dependent; merchants can also inspect and plan cross-chain USDC bridges transparently via /swap-bridge and /tools/stablecoin-settlement-planner.
How are routed settlements recorded for accounting and tax audits?
Every session logs the buyer input token, settled output asset, 0.5% XPayr gateway fee, network gas boundary, and on-chain transaction hash — ready for QuickBooks, Xero, or NetSuite export (/accounting).