Field notes from companies running real money on-chain — accounting playbooks, payout patterns, tax & audit guides. Curated by the VaultNow team.
VaultNow runs the books for crypto-native teams.
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Learn what USDT payments are, how they work for businesses, and why stablecoins are replacing wire transfers for B2B transactions in 2026.
Payment reconciliation explained: why a payout never equals your sales, and how to reconcile fees, refunds, chargebacks and FX through a clearing account.
The payment rails money moves on compared: reach, speed, finality, operating hours and limits, with current figures and effective dates for ACH, wires and more.
How bulk payments work: what a batch run involves, why limits apply per payment not per file, how partial failures create duplicates, and how to reconcile back.
How correspondent banking works: nostro vostro accounts, serial versus cover payments, where international wire transfer fees are deducted along the chain.
Wire transfer vs ACH for business: settlement windows, per-payment limits, finality, return codes, same day ACH timings, and where RTP and FedNow now fit.
Payment fraud prevention that works: how supplier bank details get changed, why callbacks fail, what maker-checker requires, and how long each rail gives you.
What vendor payment automation replaces, which decisions stay human, how to measure straight-through processing, and why supplier payments projects fail.
A day-by-day month end close process: who owns each step, which cutoffs decide the period, the four accruals you always need, and where the close stalls.
The accounts payable process step by step: intake, coding, three way matching, invoice approval workflow, the payment run, and where each stage fails.
What treasury management means, what banks sell under that name, and the six things the function actually does, from the daily cash position to working capital.