The crypto payments landscape is evolving rapidly. As merchants scale and expand into regulated markets like the UK and EU, they increasingly face a critical transition: the shift from crypto-only operations to fiat settlement requirements. This evolution creates significant cost challenges that most payment processors struggle to address effectively.

The Hidden Cost of Growth in Crypto Payments

Picture the typical merchant journey: starting with $50K in monthly volume in prop trading, operating fully in stablecoins works perfectly – without conversion complexities or banking hurdles, just clear crypto flows. As volume climbs to $300K and existing clients scale up, the inevitable request emerges for settlement to a traditional UK business account.

This moment represents more than a feature request – it’s a growth inflection point. The UK client might represent 20% volume growth, but traditional solutions create a profitability problem. Most processors route fiat settlements through third-party Exchanges or OTC desks, embedding hidden spreads of 0.20–0.50% on top of settlement fees.

For merchants processing $10M monthly, these markups cost $20,000–$50,000 per month, effectively double-charging through the combination of processing fees and conversion spreads. The merchant’s fundamental challenge becomes securing fiat settlement capabilities without sacrificing their economics.

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Why Existing Payment Processors Fail

The traditional payment processing business model depends on opacity. Processors advertise competitive transaction fees while profiting through hidden conversion markups, typically discovered only after implementation. This approach works because merchants have limited alternatives and conversion rates get treated as technical details rather than fundamental costs.

This model also creates operational complexity. Merchants suddenly need relationships with crypto processors, conversion services, compliance teams, and banking partners. Each additional vendor means multiple compliance processes, more points of failure, and attention pulled away from core business growth.

True 1:1 Conversion with Match2Pay

Match2Pay has built a fundamentally different business model from first principles. Instead of profiting from hidden conversion spreads, we generate value through operational efficiency and proprietary technology that eliminate intermediary costs.

Our fiat settlement delivers transparent economics:

• True 1:1 conversion at fixed rates with zero hidden spreads
• Direct bank settlement to existing merchant accounts through established rails like Equals and other reputable EMIs
• Unified compliance process leveraging pre-established banking relationships
• Same-day processing within compatible banking ecosystems

This stands as more than competitive pricing – it represents a completely different value proposition. Our control of the entire proprietary technology stack enables quick adaptation to evolving compliance requirements, new settlement currencies, or integration demands without vendor delays or third-party limitations.

The Growth Acceleration Effect

Revisiting the presented case study: implementing transparent fiat settlement resolved multiple problems simultaneously. The operational benefit materialized immediately – one platform managing incoming crypto, conversion, and fiat settlement, with existing compliance infrastructure carrying forward and same-day settlement through familiar banking channels.

Yet the strategic impact proved more profound. Within months, the merchant could onboard EU clients previously beyond reach, driving volume from $300K to $1.8M monthly. More importantly, they gained access to larger, established clients without the “crypto-only” limitation that increasingly excludes merchants from enterprise opportunities.

The fiat capability delivered more than immediate market expansion – it future-proofed growth by ensuring clients could scale alongside the merchant rather than switch to competitors when confronting their own regulatory requirements.

M2P Built for Hybrid Finance

Our transparent settlement infrastructure supports our current clients across FX, prop trading, and iGaming while positioning Match2Pay for the broader evolution toward hybrid finance: cross-border e-commerce requiring efficient international settlement, remittance services combining crypto rails with local fiat delivery, and fintech applications where crypto efficiency meets traditional banking accessibility.

Match2Pay stands as more than a payment processor – we’re building financial infrastructure that grows with businesses long term. While competitors’ hidden spreads deteriorate economics as merchants scale, our transparent 1:1 rate means economics strengthen with volume. Our success aligns with merchant success: we generate value through operational efficiency and genuine partnership, not by marking up their money.

This foundation lets merchants focus on scaling their core business instead of managing an increasingly complex ecosystem of financial service providers – a payment gateway that enhances rather than extracts from your company’s potential.