Businesses paying businesses is the biggest real-world use of stablecoins. Of roughly $380 billion in real-world stablecoin payments in 2025, about $226 billion was B2B, more than double payr
Businesses paying businesses is the biggest real-world use of stablecoins. Of roughly $380 billion in real-world stablecoin payments in 2025, about $226 billion was B2B, more than double payroll and remittances combined ($90 billion).
Yet most businesses use stablecoins for one thing. They set up an invoicing tool, collect a few payments, and leave supplier payments, payroll, and treasury on the old rails.
This playbook covers all four jobs B2B crypto payments can do, and how to switch on each one.
Most guides treat “B2B crypto payments” as a single thing. In practice, it covers four separate jobs:
Each job gets adopted on its own timeline. Getting paid usually comes first, through customer invoices or funding a virtual dollar card program, because it’s the easiest to set up. The other three tend to arrive later, if they arrive at all.
The demand is already here. Nigeria alone accounts for about 60% of Sub-Saharan Africa’s stablecoin inflows since 2019, according to the IMF. So the question is how many of the four jobs your business has switched on. For most, the answer is one.
Most Businesses Only Fill One Square
Most adopters stop at receiving customer payments. The reason is rarely a lack of demand. It’s what happens when every new job brings a new vendor.
One Tool per Job Becomes a Patchwork Nobody Planned
A business picks a tool for the first job, then bolts on a different one for the next, without mapping the whole picture first. One controller reviewing crypto accounting software on G2 said they “went through 7 software systems for an arbitrage client” before finding one that could account for every transaction.
Month-end then looks like this: three logins, three exports, and someone on the finance team matching them line by line in a spreadsheet.
The Vendor Market Is Bad Enough That Buyers Settle for “Least Worst”
Another G2 reviewer listed capacity limits, undocumented transaction rollups, and unqualified support staff. They then shared their peers’ view that choosing a digital asset accounting provider is “an exercise in choosing the least worst, least painful option.”
Each extra vendor adds its own fees, onboarding time, and reconciliation work. Multiply that by four jobs and the cost adds up fast.
Even Happy Customers Ask for the Next Job
Solving job one doesn’t cover the other three, and satisfied users know it. In a 5-star G2 review of Request Finance, a crypto invoicing tool, the reviewer’s main complaint was that they’d “need even more services.”
Why Adding the Next Job Is Lower-Risk Than It Looks
With the right provider, job two adds no new currency or compliance risk. Operational risks still exist (a wrong bank detail is a wrong bank detail on any rail), but the exposure you already accepted for job one doesn’t grow.
Job Two Brings No Exposure Job One Didn’t Already Have
On Breet, funds convert to fiat automatically the moment they arrive. Your books show naira, cedis, or dollars, never coins, whichever job generated the transaction.
That means you never hold crypto while the price moves, on any of the four jobs. If you were comfortable with job one, expanding is the same decision repeated.
Compliance and Rate Protection Run Once, Not Once per Job
Every transaction gets KYC and AML screening automatically, so nobody on your team runs the check by hand. Business KYB verification typically completes within a day, and data processing falls under the Nigeria Data Protection Act 2023.
On time-sensitive transactions, the rate is locked before execution. Once you accept stablecoin payments through Breet, you can add stablecoin payroll or treasury on the same account, with no repeat KYB, no new vendor to onboard, and no separate compliance checks to build.
One System for All Four Jobs, Instead of One Vendor per Job
Your next job is one product page away, not a vendor search away. Three Breet products cover getting paid, paying out, and treasury, and the same API carries payroll.
Pay Suppliers and Accept Payments Through One API
Integrate the Crypto and Stablecoin payment API once, and it handles money in both directions. Breet generates wallets, confirms on-chain payments, screens transactions for money laundering, and converts received crypto automatically. Webhooks tell your system the moment a payment settles, so nobody sits refreshing a dashboard.
The integration is the same whether you’re paying a vendor or collecting from a customer. If you already receive payments this way, supplier payouts are the natural next job, with no second system to run.
Move Treasury and Large Volumes Through the OTC Desk
Breet’s OTC Desk locks your rate before the trade and sends payment to your bank account within the same hour. Large orders settle without slippage (the price moving against you while the order fills), and you get better rates plus a dedicated account manager.
The desk fits businesses that regularly move large amounts. For a single small transaction, the API or invoicing is the better route.
Get Paid by Clients With No Integration
Your sales team can generate a crypto invoice in a few minutes. The client pays in crypto, and the naira or cedi equivalent lands in your bank account, so your accounts receivable process stays exactly as it is.
Payroll: Breet Routes It, Your Payroll Tools Run It
Breet is not a standalone payroll platform. Companies integrate the API to send wages to employees, while salary calculations and approvals stay in the tools they already use. If you want an all-in-one payroll product, Breet isn’t it. If you want the payment rail underneath your payroll, it is.
Haven’t Started Any of the Four? Start by Getting Paid
For a business at zero, the entry point is the one most businesses start with: receiving payment. It needs no integration, only an invoice.
Still weighing whether crypto payments make sense for you? Our guide to accepting crypto in Africa covers the benefits, risks, and practical checks before you commit.
Whichever job you start with, the other three run on the same account, the same compliance checks, and the same settlement to your bank.
Talk to the team about moving your next job onto the same rail as your first.
Read also: Here are 8 startups enabling Nigerians to spend crypto easily
