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.
The transfer is the cheapest leg of three, and the off-ramp is the one nobody publishes a number for. World Bank cost data, corridor rules for five countries, where money transmission starts, and what Regulation E does not cover.
Crypto spend is three different things merged into one account. Splitting them, the accountable plan test, what substantiation actually requires, gas as its own category, and a nine-point policy written as decisions.
What finality actually costs you: the UCC protections that disappear, what the recipient legally receives, VAT invoicing that survives an inspection, where the GENIUS Act has got to, and six clauses worth writing.
Minimums, schedules and lock windows for seven networks, taken from their own help pages. Plus reversals and clawbacks, 1099-NEC against 1099-K, foreign publishers, self-billing and FTC disclosure.
Ten ways a batch payout fails, three of them unrecoverable and all created before broadcast. Pre-flight checks, dated fee math, approval roles and the reporting that travels with the run.
Wallet exports and ledgers share almost no common identifier. Nine break types, the identifiers that actually match, rate policy, gas, batch payouts and a month-end sequence that finishes.
Send a wire and correspondent banks screen the beneficiary for you. Send USDT from your own wallet and nobody does. What address screening actually checks, what OFAC strict liability costs, and the decision tree for when a screen comes back bad.
Most cross-border contractor payments generate no US information return at all, if you can prove where the work happened. The sourcing rule, the W-8BEN line by line, the new $2,000 threshold, and the two edge cases that cause most misfilings.
In the US, UK, Germany, France, Poland, Spain and the Netherlands an employer cannot discharge its minimum wage obligation in tokens. Here is the jurisdiction-by-jurisdiction picture, the state-by-state table nobody publishes, and the contractor distinction that decides everything.
Four ways money moves across borders, what each one really costs on a $5,000 invoice, and the tax paperwork that decides whether the arrangement holds up. Including what your contractor needs on their end in India, the Philippines, Argentina, Brazil and Nigeria.