European IBAN, US ACH routing, Mexican CLABE, Brazilian PIX support and British Faster Payments from a single business account. Your client pays as a local. You receive consolidated in USDC.
No SWIFT · No hidden spread · No arbitrary reserves
Collections received · consolidated in USDC
USA client · ACH
Arrives in 1-3 days
EU client · SEPA Instant
Arrives in seconds
MX client · SPEI
Arrives in seconds
BR client · PIX
Arrives in seconds
So you see exactly what happens between the moment your client decides to pay you and the moment you have the money available.
You send the invoice with the bank details of the country where they are. If they're in the US, you share your ACH/ABA routing. If in Europe, your IBAN. If in Mexico, your CLABE. If in Brazil, your PIX account. If in the UK, your GBP account. If they're crypto-friendly, your USDC wallet address.
Local bank details in their country. No international transfer, no SWIFT, no weird foreign IBAN. Just one more account for them. This reduces commercial friction and makes them pay sooner.
Some specific operations may trigger automatic AML validations (a regulated standard on any serious platform). In those cases, your advisor contacts you directly to resolve it, without paralyzing the rest of your operation.
When you ask an American client to pay a European IBAN, their bank activates "international transfer", asks for a SWIFT code, charges them 25-50 USD and makes them wait 3-5 days. Result: your client postpones payment, questions it, or asks to change the payment method. With local bank details in each market, you eliminate that friction. Your client pays like any other invoice to a local supplier.
When your traditional bank receives USD for a EUR account, it converts at the rate it decides, with a 1.5-3% spread that does not appear on the invoice. If you collect 10,000 USD, ~8,700-8,850 EUR arrive depending on the bank. You lose €150-300 per operation with no clear explanation. With Kunga, the collection enters in its original currency and converts 1:1 to USDC at the market rate. No added spread. The fee is 1.45% if it lands in your Kunga wallet or 2.90% if you use an external wallet.
Traditional gateways (Stripe, PayPal Business) freeze 10-25 % of your collections for 30-90 days as a chargeback reserve. If your business grows hard one month, you have six figures trapped in reserve while you need to operate. Kunga doesn't apply preventive reserves on your B2B collections (bank transfers or USDC).
What the collections service covers
What it does NOT cover
Kunga is the layer that receives and consolidates your international collections in a single business account with regulated custody. If you need specific features not listed above, talk to an advisor to evaluate your case. Payment processing · Wallet USDC
International collections have specific regulatory obligations by jurisdiction: source of funds declarations, AML compliance, reporting by volume and country of origin. Kunga applies the standard controls of a regulated European platform:
Every operation logged with timestamp, counterparty (identified client), source currency, original amount, applied FX rate at the moment, fee charged and USDC equivalent. Exportable as CSV or standard formats for your accountant, auditor or tax advisor.
Automatic monitoring of collections to detect unusual patterns, international sanctions and sources of funds requiring additional due diligence. Reporting to competent authorities per European regulation.
Stablecoin collections operate under the European crypto-asset framework. Documented compliance for your own regulatory obligations.
If your company goes through investor, auditor or corporate-client due diligence, we can provide documentation on the collection flow, custody and applicable compliance.
If your company operates in sectors requiring additional specific compliance (gaming, brokers, marketplaces with user KYC), pre-validation with an advisor before starting KYB.
Typical operation compared
European company with monthly collections from US, European and Mexican clients. With a traditional bank + Wise Business, financial costs can stack across fees and FX spread. With Kunga using Kunga wallet: 1.45% on the aggregate amount, with no hidden FX spread.
For companies with recurring collection volume over €1M/month, an OTC desk with negotiated rates and tiered fee conditions.
No. Your client pays from their usual bank as a local transfer in their country. If they're in the US, they pay via ACH to your routing. If in Europe, via SEPA to your IBAN. If in Mexico, via SPEI to your CLABE. They don't need to register with Kunga, install anything, or do KYC. For your client it's just another transfer to a supplier.
It depends on the corridor: SEPA Instant (EUR) in seconds; SPEI (MXN) in seconds, 24/7; PIX (BRL) in seconds, 24/7; Faster Payments (GBP) in minutes; standard ACH (USD) in 1-3 business days; USDC on any network in 1-5 minutes depending on the network used. Once in your balance, funds are 100 % liquid with no preventive reserves.
Yes. Once your Kunga business account is active, you configure in each gateway the corresponding bank details: IBAN for Stripe Europe, ACH routing for Stripe USA, etc. The gateway settles as a local account in each market. Note: the gateway keeps charging its checkout fee (typically 2.9 % for Stripe) — Kunga doesn't replace the gateway, it receives its settlement.
Yes. You share your Kunga corporate wallet address on the network your client prefers (Ethereum, Polygon, Solana or Tron). The client sends native USDC on that network. The collection arrives in your business account in minutes, with regulated Tier-1 custody.
Kunga doesn't apply preventive reserves on B2B collections (bank transfers or USDC). If a specific operation triggers an automatic AML alert (a regulated standard on any platform), your advisor contacts you directly to resolve it. If the collection comes from a gateway's settlement (Stripe, PayPal), the gateway's reserves still apply — Kunga receives what the gateway releases.
Availability subject to the company's country of incorporation and the residence of beneficial owners. Some specific corridors (PIX for BRL, ACH for USD) may require additional validation depending on jurisdiction. Check at /cobertura before starting the conversation with an advisor.
Talk to an advisor to map how the collections service would fit your current operations, with no commitment.
Guided KYB · No setup cost · Local bank details in 5 markets from day one