Stablecoins like USDC and USDT have become essential tools for international businesses. They combine the benefits of blockchain—speed, transparency, and low fees—with the price stability of traditional currencies.
However, most European companies still struggle with one critical step: converting crypto assets into euros efficiently, compliantly, and without exchange risk.
This guide explains how businesses can use Monetum’s crypto-to-euro infrastructure to manage their treasury, reduce friction, and maintain compliance within the Swiss-EU regulatory framework.
Why Businesses Hold Stablecoins
Many modern businesses—especially in iGaming, Web3, trading, and e-commerce—receive or hold funds in USDC or USDT. The reasons are clear:
Fast cross-border settlement in minutes, not days.
Hedge against currency volatility in non-euro markets.
Lower transaction fees compared to card networks.
24/7 availability without reliance on bank opening hours.
Yet, while on-chain finance is efficient, most business expenses—payroll, suppliers, and taxes—remain denominated in euros. That’s where a reliable crypto-to-fiat off-ramp becomes essential.
The Problem: Inefficient or Risky Conversion Routes
Traditional exchanges and payment processors often fall short for professional use:
❌ Custodial risk: Funds must be deposited on centralized exchanges.
❌ Slow settlements: Withdrawals to business bank accounts can take days.
❌ High fees: Up to 2.5% per conversion on some platforms.
❌ Compliance bottlenecks: Difficult onboarding for crypto-exposed companies.
In contrast, Monetum offers a regulated, crypto-friendly, non-custodial solution built for European businesses that value speed and control.
The Monetum Solution: Instant, Compliant Euro Off-Ramp
Through its partnership with Kraken, Monetum enables clients to sell stablecoins for euros directly within their account dashboard.
This service—currently rolling out in 2025—will allow seamless conversion of USDC, USDT, or ETH to EUR under a Swiss/EU-regulated framework.
Key Features:
🔒 Non-custodial wallets: Users always control their private keys.
⚡ Instant settlement: Euro proceeds appear in the same Monetum account.
💶 Competitive fees — significantly below major exchanges.
🧾 KYC/KYB compliance: Designed for business-grade transparency.
🧠 Integrated dashboard: Manage crypto, euros, and payments from one place.
This approach eliminates the need to manage multiple accounts or move funds through risky intermediaries.
How It Works Step-by-Step
Open a Monetum Business Account
Complete your KYB onboarding and access a dedicated EUR IBAN.Deposit or Receive Stablecoins (USDC/USDT)
Use Monetum’s non-custodial wallet to send or receive tokens from your preferred wallet (MetaMask, Ledger, or any WalletConnect-compatible app).Select “Convert to EUR”
Execute a direct crypto-to-fiat conversion using Kraken liquidity for optimal pricing.Receive Euros Instantly
The converted euros appear in your Monetum SEPA euro account, ready for payments or transfers.
Why It Matters for Treasury Management
Businesses managing mixed fiat and crypto treasuries gain several strategic benefits:
Liquidity control: Instantly move between crypto and euro positions.
Reduced exposure: Off-ramp profits or incoming crypto revenue on demand.
Simplified reporting: Single statement for both fiat and digital asset operations.
Operational efficiency: Automate payouts, payroll, or supplier payments via Monetum’s open banking API.
For CFOs and finance teams, this means real-time access to working capital—without the typical delays or restrictions of legacy banking.
Compliance and Trust: Built in Switzerland
Monetum operates under a fully regulated Swiss framework, ensuring AML and KYC standards while remaining crypto-friendly.
Unlike unregulated exchanges, Monetum never takes custody of client funds, offering financial sovereignty and transparency by design.
FAQs
1. What stablecoins does Monetum support?
Initially USDC and USDT on Ethereum, with expansion to other blockchains.
2. How long does a crypto-to-euro conversion take?
Typically under 5 minutes once your funds reach your Monetum wallet.
3. Is Monetum licensed to handle crypto payments?
Yes. Monetum operates under Swiss financial regulations, partnering with licensed infrastructure providers like Alchemy.
4. Are there volume limits for conversions?
No fixed cap, but higher tiers may require enhanced KYB verification.
5. Can I use the same account for euro and crypto transactions?
Yes — your Monetum dashboard unifies both, allowing instant movement between crypto and SEPA transfers.
Ready to Streamline Your Crypto Treasury?
Simplify your digital asset operations and keep your euros under your control.
Open a Monetum Account or Talk to an Expert today to explore compliant crypto-to-euro solutions for your business.