The studio holding dollars between projects: four balances, one account
A creative or software studio paid in euros by one client and in USDC by another, paying a team in two countries — how dollars, euros, USDC and USDT sit side by side with nothing converted until you decide.
Read this guide in Français
The short answer. Dollars and euros are held as they arrive; USDC and USDT sit next to them as two more balances. Convert between any of them at 0.75% (0.25% between USDC and USDT), pay a team locally at 2% all-in from any balance, and read a ≈ total you can trust.
Four balances
The balance bar shows a total in US dollars marked ≈ and one chip per balance — USD, EUR, USDC, USDT. The chips are the truth; the total is orientation at the reference rate. Nothing moves between chips unless you convert, and a 1,000 USDT chip is never shown as “$1,000”.
Receiving in whatever the client pays
A Berlin client pays your IBAN in euros; a Singapore client pays your USDT address on Tron; a US platform pays your USDC address on Base. Each lands in its own balance, free, screened where it is digital dollars.
Paying the team
Run Payroll pays a developer in Lagos in naira and a designer in Nairobi in shillings from any balance at 2% all-in — from USDC if that is what you hold, from euros if you would rather keep the digital dollars. Each line shows the rate and the fee before you confirm.
Converting on your schedule
Convert euros to USDC when a supplier asks for digital dollars, USDT to US dollars when you want a dollar balance, USDC to USDT at 0.25% when a counterparty prefers one over the other — each with a 30-second locked quote.
How it works, in four steps
- Apply once. A verified business on a paid Storspay plan applies from the Exchange tab: a few questions about what it will trade and why, a one-time identity check for a director, the wallets it plans to use. Reply within one business day.
- Receive or convert. A client sends USDT or USDC to the address in your business name, or you convert dollars or euros from your balance at 0.75% all-in.
- Trade or hold. Keep the balance, convert between USDC and USDT at 0.25%, or trade with other verified businesses on the P2P market — taker 0.5%, makers free, settled the instant the buyer confirms.
- Cash out or send. Pay your local bank or mobile money the same business day at 2% all-in, or send to any wallet address for the network fee only.
What it costs
| Step | Fee |
|---|---|
| Receive USDC or USDT | Free |
| P2P market — taker | 0.5% (makers free) |
| Convert US dollars or euros ⇄ USDC or USDT | 0.75% all-in |
| Convert USDC ⇄ USDT | 0.25% |
| Send to a wallet address | Network fee only |
| Cash out to a local bank or mobile money | 2% all-in (1% · min US$2 to India, Indonesia, the Philippines and Thailand) |
Who this is for — and who it is not for
Businesses, and a sole trader counts: every movement is a business transaction with an invoice, a contract or work delivered. Traders are welcome as businesses and should expect what the page says plainly — verified counterparties, instant settlement and a cash-out to their own business account, not the tightest spread on the internet. Personal accounts, gifts and family transfers are not what this is.
Keep your invoices and statements for your records and ask a local accountant how income in digital dollars is taxed where you live.
Read next
- Storspay Exchange — hold, convert and trade digital dollars
- Digital dollars for African businesses
- Storspay Exchange vs P2P exchange apps
- Can a freelancer hold USD, EUR, GBP or CAD?
Storspay Exchange is in early access — apply from the Exchange page. Fees and availability are as published there on the day you read this.
See your own corridor number. What your team receives, what Storspay costs, what you keep — no sign-up.
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