Pay international suppliers without SWIFT or banking friction

Yes. Cross-border B2B payments with Bit2Me Business do not depend on your supplier's local banking system, the SWIFT chain or correspondent banks. You operate from your Business Account regulated under MiCA by the CNMV, validate each beneficiary with corporate KYB and confirm the available corridor for China, LatAm, the US or other markets before settlement. You can send USDC, EURC or euros according to your commercial agreement, with traceability per invoice and exportable records. The OTC desk supports higher volumes and routes with greater regulatory complexity without sacrificing speed or treasury control. This cuts typical 3–5 business day delays down to minutes or hours, keeps trading relationships smooth for importers and exporters, and meets anti-money laundering obligations with verifiable documentation for your finance team.

You can settle international invoices in euros, USDC or EURC from your Business Account or through Bit2Me's OTC desk, always as a MiCA-authorised provider supervised by the CNMV. The currency depends on your supplier contract, destination country and whether you prioritise dollar digital stability (USDC) or on-chain euro (EURC). For recurring volumes, OTC offers firm quotes and transparent conversion without opaque correspondent banking FX margins. We do not use USDT or assets outside the agreed European regulatory framework. Each transaction links to the KYB-verified beneficiary, simplifying accounting reconciliation and ERP reporting. We advise importers, exporters and agencies on the optimal mix of euros and regulated stablecoins to reduce FX friction, shorten settlement times and maintain full traceability on cross-border B2B payments.

There is no operational minimum for international payments from the Bit2Me Business Account: you can settle one-off invoices or recurring supplier payments to verified beneficiaries without artificial entry barriers. For higher volumes or complex conversions, the OTC desk confirms conditions, spreads and timelines on your first quote, with a dedicated manager and firm pricing when it suits your treasury. This scales from SMEs paying foreign freelancers to importers with weekly flows to Asia or LatAm. You keep KYB per beneficiary, exportable records and CNMV MiCA supervision on every transaction. Check with your advisor if your corridor needs extra documentation; the goal is predictable total cost, without hidden SWIFT fees or multi-day blocks in bank transit for your treasury and finance team.

Every transaction is recorded in your Business Account with date, amount, currency (euros, USDC or EURC), verified beneficiary and invoice reference when you provide it. You can export details for your accountant, ERP or internal audit, aligned with tax and anti-money laundering duties under a MiCA-authorised CNMV provider. Each international payment keeps KYB traceability: you know whom you paid, in which asset and under which regulatory framework. This simplifies supplier reconciliation, month-end close and tax justification without relying on fragmented bank statements or hard-to-read SWIFT messages. If you combine OTC and the business account, reporting unifies conversions and settlements in one exportable history for finance and compliance teams across your organisation, giving your CFO a single auditable source of truth.

Yes. Spanish companies can make cross-border B2B crypto payments when they work with a crypto-asset service provider authorised under MiCA, such as Bit2Me, supervised by the CNMV. The payment must tie to a genuine commercial relationship—invoice, contract or purchase order—with beneficiary KYB and compliance with anti-money laundering rules and applicable tax obligations. USDC and EURC offer on-chain traceability and faster settlement than SWIFT. It does not replace your company's own tax advice, but it does provide exportable records and a verifiable European regulatory framework. Bit2Me Business documents each settlement in the corporate account so finance and compliance teams can audit the full flow without unregulated assets such as USDT or unlicensed intermediaries in the EU, with clear MiCA oversight throughout.

Yes, many importing companies partly or fully replace SWIFT with USDC or EURC to pay factories and suppliers in Asia, cutting timelines from days to minutes or hours and reducing correspondent fees. Bit2Me combines the Business Account, OTC desk and beneficiary KYB verification under CNMV MiCA authorisation, so blockchain speed coexists with enforceable corporate controls. Validate the corridor, commercial documentation and agreed currency before the first settlement. You keep exportable reporting for accounting and audit, without exposing treasury to stablecoins outside the European framework. A B2B advisor helps you design the flow—OTC conversion, on-chain send or euros—according to supplier, volume and frequency of recurring cross-border payments, with dedicated support for your first Asia corridor and ongoing treasury guidance under MiCA.