True non-custodial crypto invoicing and payment gateway: fiat invoices, stablecoin checkout, settlement to your wallets across 6 chains.
Built for teams who move money globally
Collect handles client billing in fiat, Gateway handles platform checkout at scale - both non-custodial, one ledger.
Invoice in fiat, get paid in stablecoins
Create branded invoices and payment links. Clients pay in USDC, USDT, or EURC - on confirmation, funds settle to destinations bound at issuance.
Invoice #INV-2048
$4,250.00
Settlement
On-chain detection in real time.
Collect handles client billing. Gateway handles platform checkout. Both settle directly to wallets you configure.
Collect
Branded invoices and reusable links in fiat, paid in stablecoins and settled on-chain.
Gateway
Hosted checkout, embeddable widgets, and a REST API for accepting stablecoin payments at scale.
Collect and Gateway share the same non-custodial rail - scroll through what changes when funds never sit with a processor.
Custodial vs Settlematic
No processor float
Collect invoices and Gateway checkout settle to addresses you control - bound at issuance. No reserve held, no payout delay, no middleman.
Custodial
Funds sit in the processor's balance sheet until they decide to pay you out.
Settlematic
On-chain detection for invoices and checkout; settlement to wallets you control.
Direct sweep - no float in between
Per-payment addresses
Each Collect invoice and Gateway checkout session gets a fresh address bound to the merchant destination. On-chain confirmation is the source of truth.
Custodial
Even with unique addresses, deposit keys stay with the processor.
Settlematic
Unique address per payment - cryptographically bound to the merchant.
One deposit address per invoice or checkout
Destination cooldowns
Changing where new invoices settle can trigger a cooldown. Addresses already issued stay bound. Pair with TOTP and scoped API keys.
Custodial
You inherit the processor's security model.
Settlematic
Destinations you control, with cooldown protection for changes.
Destination cooldown
New sweep address unlocks after cooldown
Collect for client billing. Gateway for embedded checkout. Same non-custodial rail - on-chain detection, automatic reconciliation, and sweeps to wallets you own.
Configure settlement destinations
Point Settlematic at cold storage, operating wallets, or multisig addresses you control. Add a cooldown so destination changes for new invoices can't be exploited even if your dashboard is compromised - addresses already issued stay bound.
Invoice clients or embed checkout
Send USD/EUR invoices with Collect, or drop a Gateway checkout widget into your product. Clients pay in USDC, USDT, or EURC on whichever chain suits them.
On-chain confirmation triggers everything
Settlematic detects the payment within seconds, reconciles it to the invoice or checkout session, fires your webhook, and updates the ledger. Funds settle to destinations fixed at address issuance - we never hold them or redirect issued addresses.
Global reach
Collect for invoices and payment links. Gateway for embedded checkout. Clients pay in USDC, USDT, or EURC on the chain that suits them - Settlematic detects payment on-chain and sweeps confirmed funds to destinations you configure.
Whether you're billing a client in London or accepting checkout from a buyer in Singapore, it's the same dashboard, the same API, and the same non-custodial deposit-detection and sweep flow.
Why teams choose non-custodial
6chains
Ethereum, Polygon, BSC, Solana, Tron, Bitcoin
70+countries
Pay from anywhere - funds settle to you
0custody
We never hold your funds
$0payout delay
Settlement on-chain, not on our schedule
Invoice in fiat, accept in stablecoins, sweep to your cold wallet - no processor float, no payout queue.
How non-custodial settlement works in practice
Pricing
Transparent pricing. No processor float.
Collect from $20/mo · Gateway on Pro at $49/mo · 7-day Pro trial · free sandbox demo
Plain answers about how Settlematic settles funds, how it differs from custodial processors, and what Collect and Gateway each do.
No. Settlematic is true non-custodial: every invoice or checkout address is cryptographically bound to a destination you control at issuance. We watch the chain for confirmations and reconciliation only - we never hold private keys or interim wallets that can move your funds.
Settlematic is a true non-custodial crypto finance platform combining crypto invoicing (Collect) and an embeddable payment gateway (Gateway) in one dashboard. It supports USDC, USDT, and EURC across 6 blockchain networks. Funds settle to wallets you own - no processor float.
Custodial processors like BitPay or CoinGate hold your funds and issue a fiat or stablecoin payout on their schedule - you carry their counterparty risk. Settlematic binds each payment address to your wallet at issuance and detects settlement on-chain. No reserves held, no payout delay, no middleman.
Collect is for billing clients: branded invoices, reusable payment links, recurring schedules, and custom pay domains. Gateway is for platforms: REST API checkout sessions, embeddable widgets, merchant onboarding, split payouts, and signed webhooks. Both share the same ledger and true non-custodial settlement model.
Ethereum, Polygon, BSC, Solana, Tron, and Bitcoin, with USDC, USDT, and EURC. Each network uses the same bound-address settlement model - invoices can be paid across multiple chains and multiple transactions until the fiat-denominated amount is satisfied.
Yes. Clients pay on-chain to addresses bound to wallets you control; no bank account required, no fiat conversion unless you choose it.
Yes. Gateway includes KYB/KYC merchant onboarding flows and Travel Rule support for regulated payment workflows. Collect supports team permissions and audit logs for teams that reconcile books.
Collect and Gateway on one non-custodial platform - funds always sweep to wallets you control.