Crypto to fiat.Swiss regulated
Convert crypto and stablecoins to fiat, cash out to your bank, pay invoices, and hold assets in a segregated wallet in your own name. A Swiss regulated OTC and custody counterparty since 2021.
Settles on
- Ethereum
- Solana
- Tron
- Polygon
You send
100,000
USDYou receive
99,009.9
USDCIndicative, based on the live mid-market price. Minimum brokerage fee 200 per transaction.
Three services. Exactly what we are regulated for.
Settlement, payouts and custody. Nothing else.
Settlement
Convert treasury balances between stablecoins, cryptoassets and fiat. Liquidity is passed through at cost and the fee sits on its own line of the confirmation.
Payouts
Fund an instruction in stablecoins and we pay your supplier, counterparty or invoice in fiat. A dedicated virtual IBAN in the company name is issued through our banking partner at no charge.
Custody
One segregated on-chain wallet per company, never pooled, on institutional custody infrastructure with disaster-recovery cover. Balances and statements on XEROF Online.
Who we serve
Two kinds of client, one standard of care.
Institutions
Corporate treasuries, asset managers and Web3 companies moving between stablecoins and fiat at size, with segregated custody and records that reconcile against your own books.
- Segregated wallet per entity
- Tier 1 liquidity at cost
- Dedicated Virtual IBAN in the company name
Private clients
Individuals converting or holding their own stablecoins and cryptoassets through a supervised Swiss counterparty, with a record a bank and an accountant will accept.
- Wallet held in your own name
- Fee shown separately, never blended
- Property settlement supported
Both sit behind the same supervision. XEROF is a Swiss financial intermediary under the Anti-Money Laundering Act, supervised by VQF under membership No. 100954. What that covers, and what it does not.
Transparent settlement
Every leg of every settlement, visible while it happens.
Follow the fiat leg, the liquidity match and the on-chain transfer from one reference. The rate, the fee and the net amount stay on the record after the transaction closes.
See XEROF OnlineXRF-2026-09-0412
USD to USDC
Bank transfer received
Value date confirmed
Liquidity matched
Tier 1 provider, at cost
On-chain transfer
0x7f3a…c9e1 · 8/12 confirmations
- 4
Settled
Awaiting final confirmation
Destination
0x9c4d…21ab
Fee, on its own line
8,875.00 USD
Status
8 of 12 confirmations
Online onboarding
Open your account online.
01
Apply online
A director or authorised signatory completes the application, uploads the corporate documents and lists the signatories and owners above 25 percent. Individuals apply for themselves.
02
Verify your identity
Each signatory completes identity verification online with their passport or national ID.
03
Review and activation
Our compliance team reviews the file and activates the account, usually within a few business days.
Verification is completed online. After you apply, each signatory receives a personal link to complete identity verification with our verification KYC partner.
Pricing
One fee. On its own line.
Liquidity is passed through at cost. Your rate is set each calendar month by the previous month's volume and shown separately on every confirmation. Onboarding is free of charge.
Full price listCrypto to fiat questions
- How do I convert crypto to fiat?
- You transfer cryptoassets or stablecoins to your segregated XEROF wallet, accept a quote from the desk, and the fiat settles to a bank account in your own name.
- How do I cash out crypto to a bank account?
- Cashing out is the fiat leg of a conversion: once the trade is executed, the proceeds leave over Fedwire, SWIFT, SEPA, CHAPS or Faster Payments in USD, EUR, CHF or GBP.
- Which cryptoassets and stablecoins can XEROF handle?
- BTC, ETH and SOL, plus the stablecoins USDC and USDT.
- Is XEROF a bank?
- No. XEROF is a Swiss financial intermediary under the Anti-Money Laundering Act, supervised through VQF membership No. 100954. It does not take deposits.
- Who can open an account?
- Institutions, Web3 companies, professional businesses and eligible private clients, following online onboarding and identity verification.
- What does it cost?
- Liquidity is passed through at cost from tier 1 providers and the XEROF fee is shown on its own line, so the cost of each transaction is visible.