Automate the everyday. White-glove the big moments.

Most companies need two lanes for modern payments:

• API lane: the “always on” option for everyday checkouts and invoices.
  
  
• OTC lane: the “talk to a human” option for large, time-sensitive moves that need a firm price and a clear paper trail.

Use both and you turn global intent into revenue at any hour without changing how Finance closes the books.

Why a hybrid model works

• Everyday speed: Small and mid-size payments clear fast in the API lane.
  
  
• Big-ticket certainty: Large deposits, finals, or treasury moves go to OTC for a price lock and hand-held execution.
  
  
• Same result for Finance: Funds arrive in USD, EUR, GBP, or AUD with simple receipts and a monthly statement.
  
  
• Crypto in. Fiat out. That’s the rule.

How it looks in practice

1. Customer chooses to pay.
   
   
2. If the amount is under your threshold → it runs through the API lane (quick confirm, done).
   
   
3. If the amount is over your threshold or time-critical → it goes to OTC (get a live quote, lock it, fund, settle).
   
   
4. Either way, your team receives fiat and a receipt you can export.
   
   

Tip: Set a clear route like “send anything ≥ $50k (or equivalent) to OTC.”

What Finance gets every time

• A clean receipt: who paid, for what, when, settled amount and currency.
  
  
• The right references: order or invoice number, customer/account name.
  
  
• Exports that post: CSV/Excel and a monthly statement grouped by brand/region.
  
  
• No new accounting tricks: money lands in USD/EUR/GBP/AUD to your bank.

Where the hybrid shines

• SaaS & marketplaces: subscriptions via API; large prepayments via OTC.
  
  
• B2B invoices: routine milestones via API; six-figure tranches via OTC.
  
  
• Travel, hospitality, events: bookings and tickets via API; buy-outs and sponsorships via OTC.
  
  
• Automotive, luxury, equipment: reservations via API; finals via OTC.

Guardrails that make this safe

• Clear approval rules for who can route to OTC and accept a quote.
  
  
• Simple refund policy in fiat tied to the original receipt.
  
  
• Basic allow-lists for supported assets and regions.
  
  
• A tidy statement you can hand to auditors.

Getting started

1. Pick a threshold. Decide the number that sends a payment to OTC.
   
   
2. Choose settlement currencies. Usually USD, EUR, GBP, or AUD.
   
   
3. Lock your references. Make order/invoice and customer names required on every payment.
   
   
4. Run a small pilot. One API payment, one OTC conversion. Share the receipts with Finance.
   
   
5. Write one page of rules. When to use which lane, who approves, how refunds work.

Quick FAQ

Will we hold crypto? No. Customers can pay in crypto; you receive fiat.

Is OTC slow? No. You get a live quote, lock it, fund, and see funds arrive usually the same day or next business day depending on banking hours.

Do both lanes produce the same paperwork? Yes. Same-style receipts and statements.

Hybrid isn’t extra work it’s coverage. Let the API lane handle volume. Let the OTC lane handle moments that matter. Keep settlement local and records clear.

Start your hybrid flow → https://wctpay.com/