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.
Classify workers right, then pay them right. The IRS test for 1099 vs W-2, the new 2026 $2,000 reporting threshold, misclassification penalties, and how it works for remote, foreign, and crypto-paid contractors.
How a business actually moves between fiat and stablecoins — off-ramping USDT revenue to the bank and on-ramping to fund operations — with the real cost stack, compliance, and risks, minus the biased provider list.
The IRS's new 1099-DA puts crypto on the same broker-reporting footing as stocks. Here's what it means for businesses that sell, hold, or pay in digital assets — who files, deadlines, and how to reconcile.
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.