Account funding
Trading and FX on chain in, fiat on the books
Clients want to fund an account from a wallet and withdraw to one. Your ledger, your auditor and your regulator want everything in the currency you report in. Both are possible at once.
The problem
What the card rail costs you here
Funding friction
A client with capital in a wallet does not want to sell to fiat, wire, wait, and fund. They want to send and trade. Every step between is a client who funds a competitor.
Withdrawal cost and delay
International wires to clients cost a fixed fee and take days. Clients notice, and they say so publicly.
Crypto on the balance sheet
Holding client crypto brings custody, valuation and regulatory questions you did not sign up for.
How Plutus fits
What we switch on for you
The product is the same underneath. These are the pieces that matter in trading and fx, in the order most merchants adopt them.
Funding by API
Create a payment with the client id as reference, show the QR in your client area, credit the account on the confirmed webhook. Converted to fiat at the locked rate, so the deposit is a euro amount from the first second.
Withdrawals from a float
Keep a stablecoin float for withdrawals and let settlement keep it at the level you set. Payouts run singly or in batches with a second approver.
Nothing crypto on your books
Deposits arrive as fiat. The float is an operational balance you choose to hold, visible on one statement in your currency.
Audit trail
Every funding, every withdrawal, every approval is logged and exportable. When the regulator asks, the answer is a file.
A worked example
A brokerage, 800 fundings a month averaging €2,500
Illustrative. Card figures are typical European ranges and depend on your acquirer, sector and volume.
Talk to us about trading and fx
Tell us what you sell and where, and we will come back with the pieces to switch on and a rate confirmed in writing.