NEWPockyt × Circle: native USDC settlement now live →
VisionNews
Solution — Global Collections
Collect locally.
Settle natively.
Skip the FX dance.
For platforms and marketplaces collecting from customers in many countries: accept local payment methods, hold balances in domiciled accounts, sweep home as USDC at mid-market. No correspondent banking. No bundled FX margin. One ledger.
The Shift
Same cross-border collection. Two very different flows.
A merchant collecting €100 in Brazil and settling to a US treasury can do it the way it's always been done, or it can do it the way Pockyt built it. The economics, the speed, and the operational overhead aren't comparable.

The traditional flow

  1. Local acquirer processes Pix payment
  2. Acquirer bundles your funds with their other settlements
  3. Acquirer's wholesale FX desk converts BRL → USD at a rate you never see
  4. Funds route through correspondent banks (US side)
  5. Settlement lands 3-5 business days later
  6. 2-4% extracted across the chain — invisible to your customer, taxed to you
Result: trapped capital, opaque FX, vendor-of-vendors dependency.

The Pockyt flow

  1. Customer pays via Pix into your BRL Virtual Account
  2. Funds land at par, held in your merchant name
  3. Pockyt converts BRL → USDC at mid-market (rate you see)
  4. USDC settles to your treasury — on-chain or off
Result: minutes, not days. Mid-market FX. One ledger.
The Pattern
How a Global Collections deployment actually works.
The same architecture, regardless of which markets you're collecting from. Four ingredients: a Virtual Account in each market, a local rail integration, a Pockyt ledger, and a treasury endpoint of your choice.

01

Open Virtual Accounts in your collection markets

Real, domiciled bank accounts held in your legal name. Pockyt operates the infrastructure across 11 markets — you choose which apply to your business.

02

Integrate the local rails that matter in those markets

Pix in Brazil. UPI in India. M-Pesa across East Africa. Alipay in China. SEPA Instant across Europe. ACH in the US. 300+ supported methods, all terminating in your Virtual Account.

03

Configure sweep rules

Hold balances locally, sweep on threshold, sweep on schedule, or sweep on signal. Convert to USDC or to another fiat. The treasury team writes policy; Pockyt executes.

04

Reconcile in one ledger

Collections, FX trades, sweeps, and balances all roll up against a single Pockyt ledger. One export. One source of truth. No more reconciling across vendors.

What changes
What the operating layer actually delivers.
The right way to measure a payments layer isn't its uptime page. It's how much working capital, FX margin, and engineering time it frees up in the businesses that depend on it.
3-5d → min
Settlement time
Correspondent-banking days collapse into stablecoin-settlement minutes. Working capital comes home faster.
2-4% → ~0
Hidden FX margin
No wholesale-rate-the-merchant-never-sees. Mid-market FX with a transparent spread on every conversion.
5 → 1
Vendors in the chain
Acquirer, FX desk, correspondent bank, payout vendor, treasury — collapsed into one programmable surface.

Specific results vary by corridor, volume, and currency pair. We're happy to model the impact for your specific flows.

When this fits
Who gets the most out of Global Collections.

Marketplaces with buyers in many countries

If your customers pay in five or more local currencies, the consolidation savings on FX and the time savings on settlement compound quickly. Especially valuable if you're paying out to sellers in multiple currencies (the same architecture solves both directions).

Platforms collecting subscriptions globally

SaaS, gaming, media, and subscription platforms with international customer bases. Local-method acceptance lifts conversion in growth markets where card penetration is low; the operating layer keeps the back-end simple.

Anyone tired of running treasury across five vendors

If your treasury team is reconciling collections across an acquirer, an FX desk, a payout vendor, and a bank — you're paying for that overhead five times. The consolidation is the point.

Where this isn't the right fit

If you collect entirely in your home currency and don't operate across borders, Pockyt would be over-engineered for your needs. If you need a high-touch enterprise treasury management system with embedded accounting, we integrate with those — but we're not them. If you want a payment processor focused only on consumer checkout conversion optimization, there are excellent dedicated vendors for that work.

Collect locally. Settle natively.

Talk to our team about how Global Collections fits your business — and what corridors would benefit most.