Resources

Payments, explained
without the jargon.

Plain-English guides to the rails, currencies and settlement methods behind cross-border money movement — written by the team that builds the infrastructure.

Guide · Payment rails

What is a CHAPS payment?

CHAPS explained for businesses: what a CHAPS payment is, how it works, what it costs, cut-off times, and how it compares to Faster Payments and BACS.

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Guide · Payment rails

What is a Faster Payment?

Faster Payments explained: what they are, how long they take, the value limits, what they cost, and how they compare to CHAPS and BACS for UK businesses.

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Guide · Payment rails

What are SEPA payments?

SEPA payments explained: what SEPA is, SEPA Credit Transfer vs SEPA Instant, timings, limits, costs, and how euro payments work for UK and EU businesses.

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Guide · Payment rails

What is a SWIFT payment?

SWIFT payments explained: what SWIFT is, how international transfers work, why they're slow and costly, what SWIFT gpi changed, and the modern alternatives.

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Guide · Stablecoins

What is a stablecoin?

Stablecoins explained: what they are, how they stay pegged, the main types (USDC, USDT, EURC), the risks, and how businesses use them for payments.

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Guide · Stablecoins

USDC vs USDT: what's the difference?

USDC vs USDT compared: issuer, reserves and transparency, regulation, liquidity, supported chains, and which dollar stablecoin makes more sense for business

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Guide · Embedded finance

What is embedded finance?

Embedded finance explained: what it means, how it works through banking-as-a-service APIs, real examples, why platforms adopt it, and how to embed

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Guide · Institutional

Crypto OTC desks, explained for institutions

How crypto OTC desks work for institutions: block trades, RFQ execution, liquidity, T+0 settlement, stablecoin legs and why funds and treasuries trade OTC

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Guide · Comparison

Best stablecoin payment and settlement providers

A buyer's guide to the best stablecoin payment and settlement providers for businesses: how to compare them on licensing, currencies, settlement speed and

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Use case

Cross-border payments for Employer-of-Record platforms

How Employer-of-Record payments work, and the cross-border payment rail behind them. Pay global teams in local currency across 80+ countries.

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Use case

Global payroll payments, settled across borders

Pay salaries across borders in local currency. The cross-border payout rail behind global payroll — multi-currency accounts, wholesale FX, 80+ countries.

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Use case

Pay international contractors, in their currency

Pay international contractors and freelancers in local currency across 80+ countries. Multi-currency accounts, wholesale FX and batch payouts in one rail.

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Guide · Comparison

BVNK Alternative: KwiikPay vs BVNK for Stablecoin Payments & Virtual IBANs

BVNK alternative: compare KwiikPay vs BVNK on stablecoin settlement, multi-currency virtual IBANs, FX, OTC and 30+ payout corridors — honest and licensed.

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Guide · Comparison

Best crypto business accounts

A global, honest guide to the best crypto business accounts: how to combine a crypto-friendly multi-currency account, stablecoins, IBANs, FX and payouts.

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Guide · How it works

Stablecoin settlement for business: how cross-border B2B payments work in USDC, USDT & EURC

How B2B stablecoin settlement works: settle cross-border payments in USDC, USDT and EURC — speed, cost vs SWIFT, and the regulated rails behind it.

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Guide · Comparison

USD business account: how to open and hold US dollars for your business

How to open a USD business account and hold US dollars worldwide — multi-currency IBANs, USD-stablecoin settlement, FX and eligibility, compared honestly.

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Guide · Comparison

Fireblocks Alternative: KwiikPay vs Fireblocks for Settlement, Virtual IBANs & Payouts

Fireblocks alternative: compare KwiikPay vs Fireblocks on stablecoin settlement, multi-currency IBANs, FX, OTC and 30+ payout corridors — honest, licensed.

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Guide · Comparison

Zero Hash Alternative: KwiikPay vs Zero Hash for Stablecoin Settlement, Payouts & Virtual IBANs

Zero Hash alternative: compare KwiikPay vs Zero Hash on stablecoin settlement, multi-currency IBANs, FX, OTC and 30+ payout corridors — global, licensed.

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Guide · Comparison

OpenPayd Alternative: KwiikPay vs OpenPayd for Accounts, FX, OTC & Stablecoin Settlement

OpenPayd alternative: compare KwiikPay vs OpenPayd on multi-currency accounts, IBANs, FX, OTC and native stablecoin settlement across 30+ corridors.

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Guide · Comparison

Wise Business Alternative: KwiikPay vs Wise Business for Accounts, FX, Payouts & Stablecoin Settlement

Wise Business alternative: compare KwiikPay vs Wise Business on stablecoin settlement, multi-currency virtual IBANs, wholesale FX, OTC and 30+ payout corridors.

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Guide · Comparison

Airwallex Alternative: KwiikPay vs Airwallex for Accounts, FX, Payouts & Stablecoin Settlement

Airwallex alternative: compare KwiikPay vs Airwallex on multi-currency IBANs, FX, OTC, cross-border payouts and stablecoin settlement — honest, licensed.

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Guide · Comparison

Circle Alternative: KwiikPay vs Circle for Stablecoin Settlement, Accounts, FX & Payouts

Circle alternative: KwiikPay vs Circle. Circle issues USDC/EURC and runs its network; KwiikPay adds IBANs, FX, OTC and 30+ payout corridors.

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Guide · Comparison

Conduit Alternative: KwiikPay vs Conduit for Stablecoin Cross-Border Payments

Conduit alternative: compare KwiikPay vs Conduit on stablecoin settlement, multi-currency virtual IBANs, FX, OTC and 30+ payout corridors — honest and licensed.

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Compliance

What is KYB (Know Your Business)?

KYB (Know Your Business) verifies a company's identity, ownership and legitimacy before onboarding. How it works, why it matters, and how it differs from KYC.

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Compliance

AML compliance for payment businesses

What anti-money-laundering (AML) compliance means for a payments business — the core controls, the regulations behind them, and how they work in practice.

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Compliance

The Travel Rule for crypto explained

The Travel Rule requires crypto businesses to share sender and recipient information on transfers. What it is (FATF R.16), the thresholds, and how it works.

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Compliance

What is Enhanced Due Diligence (EDD)?

Enhanced Due Diligence (EDD) is the deeper level of checks for higher-risk customers — when it's required, what it involves, and how it differs from CDD.

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Compliance

What is a VASP licence?

A VASP licence authorises a business to provide virtual-asset services under AML rules. What a VASP is, what activities need registration, and the main regimes.

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Compliance

Crypto compliance for businesses

What it takes for a business to handle crypto and stablecoins compliantly — licensing, AML, the Travel Rule, screening and segregated funds, in one overview.

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Guide

What is USDC?

USDC is a fully-reserved US-dollar stablecoin — 1 token always redeemable for 1 dollar. How it's backed, which networks it runs on, and why businesses use it.

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Guide

What is USDT (Tether)?

USDT (Tether) is the most widely-traded US-dollar stablecoin. How it's backed, the networks it runs on, its deep liquidity, and how it compares to USDC.

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Guide

What is EURC?

EURC is a fully-reserved euro stablecoin — 1 token redeemable for 1 euro. How it's backed, what it's for, and how euro businesses use it on-chain.

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Guide

Are stablecoins safe?

Are stablecoins safe? An honest look at the real risks — de-pegging, reserves, regulation, smart contracts — and what makes one stablecoin safer than another.

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Comparison

Stablecoin settlement vs SWIFT

Stablecoin settlement vs SWIFT compared — speed, cost, hours and reach. When on-chain dollar settlement beats correspondent banking, and when SWIFT still wins.

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Guide

What is Fedwire?

What is Fedwire? The Fed's real-time, same-day, high-value US wire system explained — how it works, why it's irrevocable, and Fedwire vs ACH and SWIFT.

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Guide

What is ACH?

What is ACH? Learn how US Automated Clearing House batch payments work for direct deposit and debit, costs, timing, and how ACH compares to Fedwire and RTP.

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Guide

What is correspondent banking?

Correspondent banking explained: how nostro/vostro accounts move money across borders, why it is slow and costly, and how stablecoin settlement bypasses it.

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Guide

SWIFT alternatives for business

Compare SWIFT alternatives for business: local rails, fintech networks and stablecoin settlement. Honest pros and cons, plus when each option fits.

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Guide

UK payment rails: CHAPS vs Faster Payments vs BACS

Compare UK payment rails: CHAPS for high-value same-day, Faster Payments for instant transfers, and BACS for batch payroll. Learn when businesses use each.

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Industry

High-risk payment gateway: how to choose

What makes a business high-risk to payment providers, and how to choose a high-risk payment gateway built for licensed, regulated operators.

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Industry

Crypto payment gateway explained

A crypto payment gateway lets businesses accept and settle crypto and stablecoins, then convert to fiat. How it works, compliance needs, and how to choose.

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Industry

Forex payment gateway for brokers

How a forex payment gateway works for licensed brokers and CFD firms: multi-currency collection, fast settlement, FX and high-risk-aware compliance.

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Industry

iGaming payments for licensed operators

iGaming payments for licensed operators: fast multi-currency deposits and payouts, high-risk compliance with EDD, and settlement across 80+ countries.

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Comparison

Currencycloud alternative

Currencycloud alternative: compare KwiikPay vs Currencycloud on multi-currency accounts, FX, payouts and native stablecoin settlement across 30+ corridors.

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Comparison

Nium alternative

Looking for a Nium alternative? KwiikPay combines stablecoins, IBANs, FX and payouts in one licensed stack — crypto-friendly, with EDD for higher-risk firms.

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Comparison

Payoneer alternative

Looking for a Payoneer alternative? Compare KwiikPay's stablecoin settlement, wholesale FX, IBANs and licensed payouts for crypto-friendly B2B teams.

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Comparison

Revolut Business alternative

Looking for a Revolut Business alternative? Compare KwiikPay's stablecoin settlement, multi-currency IBANs, wholesale FX and EDD for higher-risk businesses.

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Open your first IBAN today.

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