XEROF

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.

Open accountSee pricing

Settles on

  • Ethereum
  • Solana
  • Tron
  • Polygon
Indicative termsLive · 23:25 Zurich
BuySellPay out

You send

100,000

USD

You receive

99,009.9

USDC
Rate, passed through at cost1 USDC = 0.9999 USD
USDC to USD: live rate and settlement details
Brokerage, 1.00% monthly tier1,000.00 USD
Fiat transfer0.00 USD
Net to your segregated wallet99,009.90 USDC

Indicative, 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.

USDCUSDTBTCETHSOL
Read the detail

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.

FedwireSWIFTSEPACHAPSFPS
Read the detail

Custody

One segregated on-chain wallet per company, never pooled, on institutional custody infrastructure with disaster-recovery cover. Balances and statements on XEROF Online.

Segregated wallet0.75% p.a.
Read the detail

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
For institutions

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
For private clients

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 Online

XRF-2026-09-0412

USD to USDC

  1. Bank transfer received

    Value date confirmed

  2. Liquidity matched

    Tier 1 provider, at cost

  3. On-chain transfer

    0x7f3a…c9e1 · 8/12 confirmations

  4. 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.

Open a company accountOpen a personal account

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 list
Monthly volume (USD)Brokerage fee
Up to 250,0001.00%
250,001 to 1,000,0000.85%
1,000,001 to 2,000,0000.65%
Above 2,000,000On request
Structured or recurring flowOn request

What clients use XEROF for

Crypto to fiat questions

How do I convert crypto to fiat?
You transfer cryptoassets or stablecoins to your segregated XEROF wallet, convert in XEROF Online at the live rate, 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.