Cryptoway: How businesses can accept USDT and Bitcoin without the headache
Stablecoins have firmly carved out a niche in the real-world application of cryptocurrencies. The adjusted settlement volume in stablecoins for 2025 reached $28 trillion, with an average annual growth of 133% since 2023. The B2B payments segment alone showed explosive growth of 733% over the year. The numbers don't lie: the corporate sector is massively transitioning to cryptocurrency settlements.
However, with growing volumes comes the realization that an ordinary crypto wallet is not a tool for business. Companies need not just to receive a transfer, but to know who sent it, for which order, on which network, and at what processing stage the payment is. A wallet only provides the fact of funds arrival, not structured data.
This is where crypto processing services like Cryptoway come into play. The platform offers acceptance of Bitcoin, USDT, and a number of other cryptocurrencies with a fee starting from 0.3%, linking each transfer to a specific order and client. Let's break down how it works and who this solution is for.
Why is traditional acquiring losing out?
Traditional payment systems like Stripe or PayPal charge 2.9% + $0.30 and 3.49% + $0.49 per transaction, respectively. Add chargebacks to that, which can cost a business not only the transaction amount but also a fixed fee. Crypto payments work differently: the processing fee is less than a percent, the cost of a blockchain transfer ranges from fractions of a cent to a couple of dollars, and it doesn't depend on the amount. Transactions are irreversible, eliminating refund fraud, and settlements take minutes, regardless of weekends or geographical limitations.
When a simple wallet stops working
When there are few payments, you can simply give the client a wallet address. But as soon as the number of transactions grows, chaos ensues: one user chooses the wrong network, another sends an incorrect amount, a third sends a screenshot instead of a transaction ID. Support spends hours figuring things out, and accounting manually reconciles incoming funds.
Crypto processing solves this problem by linking a blockchain transaction with the company's internal processes. It matches the payment with the order, keeps records, and automates subsequent actions after confirmation.
What does Cryptoway offer?
Cryptoway is a B2B platform that turns a crypto transfer into a structured payment process. It includes crypto accounts, payment links, an API, automatic conversion, mass payouts, and a branded interface. The service supports Bitcoin, Ethereum, USDT (on Ethereum, TRON, and TON networks), BNB, Litecoin, Gram, and TRX. Plans include USDC, Solana, XRP, Cardano, Dogecoin, and Polygon.
Buyers pay for goods through MetaMask, Trust Wallet, and other Web3 wallets directly on the website. Funds are stored in cold wallets with a multi-level access system — this is a custodial model where the provider takes responsibility for security.
Who needs this?
The service is aimed at SaaS services, online stores, marketplaces, gaming platforms, B2B companies, and Telegram projects. Everywhere where it's important not just to receive a payment, but to automatically link it to an account, order, or subscription, Cryptoway provides the necessary tools.
Payment links and API
For a quick start without integration, payment links are suitable: the business generates an invoice, sends the link to the client, and they pay through a separate page. This is simpler than sending a wallet address in correspondence. For scaling, a REST API with examples in JavaScript, PHP, and Python is used, along with ready-made plugins for CMS.
Auto-conversion and mass payouts
Accepting USDT is the most popular scenario. However, stablecoins don't eliminate operational tasks. Auto-conversion allows automatically exchanging incoming payments for a chosen crypto asset, for example, immediately fixing them in USDT, reducing volatility. Mass payouts simplify sending funds to employees, partners, or suppliers.
White-label and security
White-label allows placing the payment page on the company's domain, maintaining a unified user experience and client trust. Security is ensured by real-time AML screening, cold wallets, and an activity log. KYC/KYB is not required for the trial period.
Results and conclusions
Cryptoway is not just a wallet, but a full-fledged payment infrastructure for business. A fee from 0.3% versus 2.9-3.49% for traditional acquiring, no chargebacks, and settlements in minutes are compelling arguments. However, limitations should be considered: a narrow list of coins (USDC and Solana are still in the plans) and the lack of direct fiat withdrawal.
For companies already receiving requests for payment in cryptocurrency, this solution is worth testing. The market is moving towards crypto payments, and those who implement them now will gain a competitive advantage. As an analyst, I recommend paying attention to this tool, especially for international business.