Pay your supplier in China in USD. Collect from your distributor in Mexico in pesos. Keep your treasury in USDC. A single account, no €50 SWIFT or spreads that eat the container's margin.
Guided KYB · No setup cost · Local bank details in 5 markets
Payment to supplier
🇨🇳 China · USDC bridge
− 50 000 USD
Collection from distributor
🇲🇽 Mexico · SPEI
+ 200 000 MXN
What changes when you stop having four accounts, two exchanges and a WhatsApp full of SWIFTs.
Your distributor in Mexico pays you 200,000 MXN for the last shipment. They do it via SPEI, like a local Mexican transfer, to your Kunga CLABE. It arrives in seconds. It auto-converts to USDC: ~9,700 USDC to your balance.
Before — Your distributor paid in USD via SWIFT, you lost 80-150 USD per transfer and waited 3-5 days.
This is a representative month. Your real operations depend on markets, suppliers, volume and frequency. Talk to an advisor to map how Kunga would fit your specific operations.
Your supplier in China, Vietnam, India or Turkey receives the payment directly from your USDC balance. If their bank accepts USDC: it arrives in minutes via wallet. If they only operate traditional fiat: we send USD through compatible corridors without the chain of SWIFT intermediary banks that nibble at every transfer.
Your distributor in Mexico pays your CLABE via SPEI. The US one pays your ACH as a local transfer. The European one, your IBAN via SEPA. None of them has to make an expensive international transfer — you receive with local details in each country.
The typical import/export cycle has gaps: you pay advances to the supplier before collecting from the distributor. Your USDC treasury gives you a stable balance during that gap, without losing on forced conversions every time you move money from one bank to another.
A Spanish company of 8 people that imports electronic components from China, Taiwan and South Korea, and distributes them to wholesalers in Spain, Italy, Portugal, Mexico and Colombia. Annual billing ~€5.2M. Cash-conversion cycle: 75 days between supplier payment and distributor collection.
How they operated before
Business account at a Spanish bank for EUR. Additional business account at a US bank (managed via a partner in Florida) for USD. Wise Business for payments to Asian suppliers when SWIFT didn't work. Payments to LATAM distributors via SWIFT with intermediate USD conversion. Estimated aggregate annual cost: ~€68,000 across SWIFT fees, hidden spreads in EUR↔USD↔local-currency conversions, Wise fees, and the US account with its maintenance and associated compliance. Every quarterly close was a reconciliation hell across four different sources.
How they operate now with Kunga
A single Kunga business account. European IBAN for European market collections, ACH routing for USD collections, CLABE for Mexico, BRL support for Brazil. USDC balance between operations. Payments to the China supplier in USDC directly (their bank accepts it after cross KYB) or via compatible corridor when the supplier prefers traditional fiat. Taiwan supplier the same. The Korea one only operates fiat USD, so they're paid via corridor. Estimated aggregate annual cost: ~€22,000.
Result
Annual savings: ~€46,000. Quarterly reconciliation time reduced from ~3 days to ~6 hours. The US account was closed after 6 months operating with Kunga, eliminating the associated tax and compliance complexity.
This case reflects typical operations of a mid-sized European importer-distributor, with estimated figures. It's not a named client. Every foreign trade company has its own configuration. Talk to an advisor to map the estimated savings for your specific operations.
Initial conversation with a specialized advisor. We map your supplier and distributor markets, usual currencies, monthly volume, typical cash-conversion cycle, and current tools (bank, Wise, exchanges). The advisor confirms which corridors and operations Kunga can cover today in your specific case.
KYB onboarding with an advisor who understands foreign trade. For companies with a standard corporate structure, agile due diligence. For structures with partners or subsidiaries in several jurisdictions (common in import-export), specific due diligence. Your advisor tells you the exact documentation from the first call.
Once the account is active, we configure together: which local account (IBAN/ACH/CLABE) you share with each type of distributor, how your USDC operation connects with your Asian supplier chain, and team permissions (founder, CFO, ops manager) according to your structure.
You don't have to close your current accounts on day one. Usually our import-export clients keep their traditional account during the first quarter as backup, while gradually moving suppliers and distributors to Kunga. Once everything is stable, they close what they no longer use.
The process duration depends on the complexity of your operations and corporate structure. Your advisor gives you realistic expectations in the first call.
Import-export operations have specific regulatory requirements that set them apart from other sectors: traceability of source of funds, documentary justification of operations, compliance with international sanctions lists (OFAC, EU, UN), specific reporting by volume and jurisdictions operated.
Every collection and payment logged with timestamp, counterparty, source currency, target currency, applied FX rate and blockchain hash if applicable. Exportable documentation your accountant or customs advisor can cross-check with your customs declarations, SAD and commercial invoices.
Active monitoring against OFAC, EU, UN and FATF lists. If a counterparty appears on a sanctions list, we can't operate. If your business operates with jurisdictions under specific regulation, pre-validation with an advisor before starting KYB.
We operate under a regulated European framework. Reporting to competent authorities per regulation, due diligence proportional to volume and sector.
Sub-segments requiring specific due diligence: import of regulated products (supplements, cosmetics with specific claims, wellness-linked products), dual-use products, trade with jurisdictions under specific regulation. If your operation falls into specific regulated categories, pre-validation with an advisor before starting KYB.
Typical operation compared
You pay 2 SWIFTs/month to Asian suppliers of 50K USD each + collect from 4 LATAM/EU distributors of ~30K each. With a traditional bank + Wise: ~€3,500-5,000/month in financial costs. With Kunga: ~€1,400/month. Difference: ~€25-40K/year of recovered margin on the same operation.
For companies with recurring volume over €1M/month in import-export operations, an OTC desk with negotiated FX rates and a dedicated advisor.
It depends on the supplier. Some Chinese banks already accept USDC via regulated custodians; in that case, the payment goes direct. If not, we send USD via a compatible corridor — the money reaches their USD account without going through the usual chain of SWIFT intermediary banks. Your advisor reviews the supplier's bank with you before the first operation to confirm the optimal route.
Yes. Share your CLABE with your Mexican distributor (they pay via SPEI as a local), your ACH routing with the US one (they pay as a local account), your IBAN with the European one. Your distributor doesn't bear the cost or friction of an international transfer — they pay as a local in their market.
Every operation is logged with fiat value at the moment of the operation, exportable as CSV. Your customs broker or tax advisor receives documentation equivalent to a traditional bank movement. The customs declaration (SAD or equivalent) is done with your commercial invoices as always — Kunga gives you the associated financial movement.
Kunga doesn't issue letters of credit or traditional bank guarantees — those products are issued by traditional commercial banks with a banking balance sheet. For companies that need L/C for specific operations, they usually combine: Kunga for daily operations (most payments and collections) + a traditional bank for occasional L/C issuance when the contract requires it.
We don't operate with internationally sanctioned jurisdictions. For jurisdictions under specific regulation but not sanctioned, pre-validation case by case with an advisor before starting KYB.
Availability subject to the company's country of incorporation and the residence of beneficial owners. Check at /cobertura before the first conversation with an advisor.
Talk to an advisor specialized in foreign trade. The first conversation maps your current operations and tells you whether Kunga can optimize them, with no commitment.
Guided KYB · No setup cost · Advisor experienced in foreign trade
