Exporters and manufacturers
Invoice buyers in the US, the UAE or Canada and receive USD, AED or USDC, converted to rupees when you choose.
Get paidMove money across borders in seconds, not days.
MuffinPay Global gives businesses cross-border payments, stablecoin wallets, an OTC desk, global payroll, invoicing, export and import payments, crypto cards and forex in one place. Payments settle in USDC over Stellar or the XRP Ledger and pay out on local bank rails, through partners licensed in each market.
USDT to INR
Live from exchanges in IndiaLoading live rates…Top bid to sell 1 USDT—Waiting for the first quote
| Exchange | You sellhighest bid | You buylowest ask |
|---|---|---|
 Order book | — | — |
 Binance P2PMedian of top 10 ads | — | — |
Highest bid and lowest ask for 1 USDT on each exchange, before fees. Indicative only: the desk confirms your rate after KYC.
Sources: CoinDCX public order book and Binance P2P public ads, refreshed every 30 seconds.
OTC desk and forex
How do I convert USDC to INR, AED or USD?
Use the OTC desk below. Choose to sell or buy, enter the amount and pick a payout currency. The quote is priced off live rates, shows the desk spread for your trade size and the 1% TDS that applies when an Indian resident sells, and holds the rate for 30 seconds. Final pricing is confirmed after KYC.
USDC
Pay out in
Desk spread by trade size
You receive
—
Rate held for 30 seconds. Change the trade and a fresh hold starts.
Illustrative pricing. Your desk quote after KYC is final.
Solutions
What can businesses do with MuffinPay Global?
Everything a business needs to move money across borders: payments, payouts, payroll, invoicing, export and import, bill payments, stablecoin wallets, an OTC desk, forex, crypto cards and treasury, plus solutions built on Stellar, the XRP Ledger and USDC. Every service runs with partners licensed in each market and depends on KYC.
Cross-border payments
Pay suppliers and partners between India, the UAE, the US and Canada, settled in minutes over Stellar or the XRP Ledger.
Payouts to India
Money from abroad credited to an Indian bank account or UPI ID through licensed payout partners.
Export and import payments
Collect from overseas buyers and pay overseas suppliers in USD, AED or USDC, with an invoice reference and record for every payment.
Bill payments
Pay utility, school and business bills in India from abroad with USDC or local currency, paid in rupees to the biller.
Global payroll
Pay staff and contractors in several countries in one run, with USDC for those who choose it.
Invoicing in any currency
Customers abroad pay by card, bank transfer or USDC. You settle in the currency you choose.
Global bulk payouts
Pay many vendors from one file. Each payment takes the right rail for its country.
Stablecoin wallets
One business wallet holding USDC beside INR, AED, USD and CAD, with approval rules for every payment.
OTC desk
Large USDC and USDT trades priced off live market rates and settled to your bank in INR, AED or USD.
Forex and crypto to fiat
Convert between USD, AED, INR, CAD, USDC and USDT at live rates, with the spread shown before you confirm.
Crypto cards
Visa and Mastercard business cards funded from USD or USDC balances, issued through licensed partners.
Digital asset treasury
Hold dollars as USDC with approval rules, mint and redeem through regulated partners, and keep statements your auditor can read.
Stellar solutions
Anchors, payout corridors and Soroban smart contracts for escrow, built on Stellar.
Ripple and XRP Ledger solutions
Corridor payments, RLUSD and USDC settlement, escrow and payment channels on the XRP Ledger.
Circle and USDC solutions
USDC accounts, transfers and conversion to local currency, with minting and redemption through regulated partners.
On-chain escrow and settlement
Milestone payments and transparent ledgers on Stellar and the XRP Ledger. No yield products.
Who it is for
Which businesses use MuffinPay Global?
Any business that earns, holds or pays money across borders. Exporters get paid by buyers abroad, importers pay suppliers, service firms collect in dollars, and treasury teams hold USDC and convert it when they need local currency. Each one uses the same account, the same live rates and the same licensed partners in each market.
Importers and traders
Pay overseas suppliers from one wallet, with an invoice reference and a payment record for your bank and auditor.
Pay suppliersIT, design and service firms
Collect from clients abroad by card, bank transfer or USDC, and pay remote contractors in the same run.
Collect and payTreasury and finance teams
Hold dollars as USDC with approval rules, and convert through the OTC desk at live rates when you need local currency.
Hold and convertFintechs and platforms
Add cross-border payouts, stablecoin wallets or cards to your own product, built on Stellar, the XRP Ledger and USDC.
Embed in your productDigital-asset businesses
Convert large USDC and USDT balances to INR, AED or USD and pay out to verified bank accounts.
Convert and pay outCross-border payments
How does a cross-border payment reach the other side?
Choose the currency you send, the currency they receive and a network. We draw the route, price it at live rates and compare it with a bank wire, so you can see how long each path takes, what it costs and how much the recipient gets before you pay.
Send
Receive
USD
Recipient gets——
Arrives in——
All-in cost——
Stablecoin rails or a bank wire
How do stablecoin payments compare with a bank wire?
A stablecoin payment moves USDC over a public network that runs every day of the year and settles in seconds, then pays out on the recipient's local rail. A bank wire passes through correspondent banks, waits for cut-off times and usually takes one to three business days. Below, the two side by side, and the local rails we pay out on.
Time to settleDuration
XRP LedgerBank wire (SWIFT)
- Availability24 hours, every day
- TrackingPublic ledger record
- Currency exchangeThrough anchors
XRP Ledger
- Availability24 hours, every day
- TrackingPublic ledger record
- Currency exchangeBuilt into the ledger
Bank wire (SWIFT)
- AvailabilityBanking days, with cut-off times
- TrackingThrough each bank in the chain
- Currency exchangeAt each bank's rate
Where the money lands
IndiaIMPSNEFTRTGSUPI
United Arab EmiratesUAEFTS
United StatesACHFedwire
CanadaEFTInterac
Sources: network settlement times as published by Stellar (opens in a new tab) and XRPL.org (opens in a new tab); bank wire times are typical international transfer times and vary by bank and corridor.
Platform
What do the products look like in use?
These are working demos of the stablecoin wallet, global payroll, invoicing and bulk payouts, filled with sample data and priced at the live rates on this page. Pick a tab to see how a payroll run settles or how a customer abroad pays an invoice. Nothing here moves real money.
Rails
Which networks does MuffinPay Global build on?
Stellar, the XRP Ledger and USDC. Stellar settles low-cost USDC payments in seconds with on and off ramps in many countries; the XRP Ledger adds corridor settlement, escrow and built-in currency exchange; USDC, issued by Circle, is the dollar we hold and move. Live network prices are shown on each card.
Stellar network
Low-cost USDC payments with on and off ramps in many countries.
- Anchor integration (SEP-24, SEP-31)
- Payouts settled in seconds
- Cash pick-up for unbanked recipients
- Soroban smart contracts for escrow
Ripple and the XRP Ledger
Corridor payments and treasury settlement on the XRP Ledger.
- Corridors with XRPL settlement
- RLUSD and USDC settlement
- On-ledger escrow and payment channels
- Built-in currency exchange
USDC and Circle
Hold dollars as USDC and convert to local currency when you need to.
- Business wallets with approval rules
- Mint and redeem through regulated partners
- Stellar, XRP Ledger and Ethereum
- Statements your auditor can read
How it works
How does it work, from first call to first payout?
In four steps. Your business completes KYC with our licensed partner, you fund in USDC, USDT or local currency, we lock a rate and settle over Stellar, the XRP Ledger or local rails, and the money lands in the recipient's bank account or wallet with a confirmation and tax record. Every customer, beneficiary and wallet address is screened before the first trade.
01
Onboard
Business KYC and beneficiary checks, done once with our licensed partner in your market.
02
Fund
Send USDC or USDT to your deposit address, or local currency to your partner account.
03
Convert and settle
We lock a rate, convert and settle over Stellar, the XRP Ledger or local rails.
04
Pay out
Funds land in the recipient's bank account or wallet, with a confirmation and tax record.
KYC and KYB
Every customer and beneficiary is verified before the first payment.
AML screening
Payments and wallet addresses are screened against sanctions and risk lists.
Licensed partners
Services run only with partners registered in each market, such as FIU-IND in India and VARA in Dubai.
FAQ
What do people ask about MuffinPay Global?
What is MuffinPay?
MuffinPay is a Life Payments company that builds payment products for people, businesses and governments, from bill payments and wallets to state benefit programmes, delivered with regulated partners in each market it serves. Contact: info@muffinpay.com.
What is MuffinPay Global?
MuffinPay Global gives businesses cross-border payments, stablecoin wallets, an OTC desk, global payroll, invoicing, export and import payments, bill payments, crypto cards and forex. Payments settle in USDC over Stellar or the XRP Ledger and pay out on local bank rails, through partners licensed in each market.
How do cross-border payments to India work?
We collect funds in the sender's currency, convert them to USDC, settle over Stellar or the XRP Ledger in seconds, and pay out in rupees to a bank account or UPI ID through a licensed payout partner. You can compare the route with a bank wire on this page.
What is the USDT to INR rate today?
The live rates card at the top of this page shows the current USDT to INR bid and ask on CoinDCX and Binance P2P, refreshed every 30 seconds. Bid is what you receive when you sell; ask is what you pay when you buy. The desk quotes your own rate for your trade size after KYC.
Can I convert USDC to INR, AED or USD?
Yes. The OTC desk buys and sells USDC against INR, AED and USD and pays out to your verified bank account. Quotes are indicative until confirmed by the desk. In India, 1% TDS under Section 194S applies when a resident sells a virtual digital asset.
Stellar or the XRP Ledger: which do you use?
Both. Stellar settles in about five seconds with very low fees and has anchors for local on and off ramps; the XRP Ledger settles in three to five seconds and has built-in currency exchange. We route each payment over the network that suits the corridor.
What is a stablecoin wallet for business?
It is one business wallet that holds USDC alongside INR, AED, USD and CAD balances, with approval rules, cards and payouts, so you can pay and get paid across borders. It is provided through partners licensed in each market. We do not offer yield or lending products.
Do you offer crypto cards?
Yes. Visa and Mastercard business cards funded from USD or USDC balances, issued through licensed partners in each market, subject to eligibility and KYC.
Is this regulated by the Reserve Bank of India?
No. USDC and other virtual digital assets are not regulated by the RBI. Our digital asset services run only with partners registered in each market, such as FIU-IND in India and VARA in Dubai, and depend on your jurisdiction and KYC.
Which countries do you cover?
India, the United Arab Emirates, the United States and Canada, through partners licensed in each market. These services are not offered in the United Kingdom.
Contact
How do I get started with MuffinPay Global?
Email us your corridor, monthly volume, currencies and the products you need, from payments and payroll to the OTC desk or cards. We reply within one working day with a quote, the KYC checklist for your market and the steps to your first payment.
Information only, not an offer or investment advice. Stablecoins carry risk and you could lose money. Services run only through partners licensed in each market, are not offered in the United Kingdom, and depend on your jurisdiction and KYC. Last updated .