CRYPTO
TO LOCAL
PAYMENTS
PhantomPay enables local QR codes and invoices to be paid using USDT through a network of fiat partners.
Client pays in crypto. Recipient receives a local payment.
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How It Works
Three simple steps from crypto payment to local settlement
PAY IN USDT
Client-side action
Client scans local QR. Payment is confirmed in USDT. Exchange rate is fixed before execution.
LOCAL PAYMENT
Off-chain execution
Off-chain execution through fiat partner. Real-time local QR/invoice payment. 10-60 second execution time.
SETTLEMENT
On-chain verification
On-chain USDT settlement with partner. Blockchain-based verification and transparency.
Fast, transparent, and built for scale
Explore FeaturesAutomate crypto-to-local payments without friction or direct user handling.
PhantomPay enables businesses to accept local bill payments funded by USDT. No heavy integration, no expensive UI and client, and an easy settlement cycle.
Pilot
PhantomPay is currently in pilot phase with selected partners. Onboarding, limits, and execution flows are configured manually.
USDT
USDT is used as the settlement asset between PhantomPay and partners. Local payments are executed off-chain, with settlement completed in USDT.
<60s
Local QR payments are executed through fiat partners within 10–60 seconds, including quote request, confirmation, and settlement initiation.
QR-first
PhantomPay is designed around local QR and instant payment systems, allowing crypto-funded payments without direct crypto acceptance.
INSTANT OFF-CHAIN EXECUTION
Local QR payments are executed off-chain in real time, with settlement completed in USDT — fast and predictable.
Average execution time
Always available
Instant confirmation
On-chain settlement
Quote Request
Client scans QR
0-5 seconds
Rate Confirmation
Exchange rate locked and confirmed
1-3 seconds
Local Payment
Partner executes local QR payment
5-50 seconds
Settlement
USDT settlement initiated on-chain
Complete
BRIDGE, NOT AN EXCHANGE
PhantomPay does not sell liquidity or act as an exchange.
It connects crypto-funded payments with local payment rails through partner networks.
Partner Network
Leverage existing fiat payment infrastructure through trusted partners
Transparent Rates
Fixed exchange rates locked before transaction execution
No Liquidity Pool
Direct partner settlement, no exchange liquidity management required
YOU EXECUTE, WE ACQUIRE
Designed for crypto exchanges and exchanger companies
PhantomPay handles customer acquisition and support while you provide payment execution. Partners get transaction volume without the overhead.
Zero CAC
We acquire and onboard all crypto-native users
Zero support burden
We handle all customer inquiries and issues
Automated execution
Minimal human involvement on your side
Pure transaction revenue
Focus on execution, not user acquisition
Frequently Asked Questions
Everything you need to know about PhantomPay
Still have questions? We'd love to hear from you.
Get in TouchBook a Demo
Interested in partnering with PhantomPay? Let's talk.