The end of the month in an international company usually looks predictable: HR prepares payroll, the finance department checks exchange rates and payment terms, and teams in different countries wait for funds to arrive. The process has been refined over the years — until the business started working with crypto as its main source of turnover.
For crypto companies, payroll quickly ceases to be a purely operational task. When income comes in the form of digital assets and salaries need to be paid in fiat money, the question arises of scalable conversion, currency rate fixing, centralized control, and regulatory compliance. In this context, P2P platforms that can work for individuals cannot cope with business processes.
As a result, payday becomes a source of problems: for the finance department — due to volatility and fragmentation of operations, for the HR department — due to delays and unpredictability of payments, and for the business as a whole — due to loss of control over expenses and compliance with legal requirements. So how can a crypto business with an international team organize payroll for employees in dozens of jurisdictions in a single day, while maintaining transparency, manageability, and financial discipline?
Faster Payroll for Distributed Teams
The company, which we will name for example GlobalTech, is a crypto product with a distributed team of approximately 120 people. The business operates on several continents: in Europe, Asia, and Latin America. They accept payments in cryptocurrency and partially use P2P channels to manage operational liquidity.
Initially, this model could work. But as the team grew and the business expanded geographically, monthly payroll payments became a bottleneck. The HR department would prepare reports in four currencies, the finance team would manually check exchange rates, and P2P payments would not allow the process to scale: different counterparties, uneven liquidity, no single exchange rate, and no standardized compliance.
On average, the process would take 3-5 business days. Some employees received their salaries late, commissions were difficult to predict, and financial reporting required numerous manual checks.
In this case, the solution for GlobalTech could be the integration of On/Off Ramp as a centralized channel for converting cryptocurrency into fiat currency and mass payments.
Among the providers offering such solutions for companies, the following stand out:
Kraken On/Off Ramp
- •Licensed and secure infrastructure with advanced fraud protection systems.
- •Support for over 24 payment methods: cards, ACH, PIX, SEPA, Apple Pay, Google Pay, and others.
- •Deep liquidity and competitive spreads thanks to access to institutional pools.
- •Over 400 crypto assets on more than 100 blockchains.
- •A single API and SDK for quick integration without additional development.
WhiteBIT On/Off Ramp
- •Various payment methods: cards, bank transfers, e-wallets.
- •Instant conversion between cryptocurrency and fiat currency.
- •Multiple withdrawal formats: P2P, exchangers, centralized exchanges.
- •Support for large amounts: up to €100,000 per transaction.
- •Direct transfers to IBAN.
Coinbase On/Off Ramp
- •Support for multiple fiat currencies for users around the world.
- •Over 250 cryptocurrency assets.
- •Convenient interface for quick start for new users.
- •Automatic risk management and processing of payments, fraud cases, and user requests.
Transparent Payments, Predictable Deadlines, Happy Teams
After integration, GlobalTech can obtain a manageable and transparent payment model:
- •The finance team automatically requests quotes for the required currencies in a single interface.
- •Conversion takes place at a fixed rate, regardless of P2P liquidity.
- •Payments are made in euros, US dollars, and local currencies to employees via SEPA and CJ.
- •All transactions are centralized and fully transparent for financial and HR reporting.
Potential outcome: the entire payroll cycle can be reduced to one business day. The HR department gets predictable deadlines, the finance department gets control over exchange rates and commissions, and employees get timely payments in a convenient currency.
The main advantage of this model is simple: regardless of the number of countries and currencies, all salaries are credited to employees' accounts within one day.
Beyond Finance, On/Off Ramp Becomes a Team Ally
On/Off Ramp solutions have gradually become a strategic tool for improving the efficiency of HR and operational processes. Reducing payment terms from five days to one not only reduces commission costs and increases transparency, but also significantly increases employee satisfaction and trust. In international teams, predictable payments mean less stress, greater engagement, and stronger loyalty.
With the proliferation of crypto assets in business, On/Off Ramp solutions are increasingly seen as a financial optimization tool that connects digital assets to real-world operations. In other words, the right On/Off Ramp doesn't just move money — it moves your business forward.