The buyer is ready. The contract is signed. Then everything waits on a wire that is “in transit.” Bank cut-offs, weekend gaps, and international checks can stall closings that should be routine. A crypto plus OTC approach fixes the timing problem while keeping compliance and accounting clean.

Stablecoin payments give buyers a quick way to move value. An OTC desk converts that value to local currency for escrow on the same day. The result is a closing timeline that follows your deal, not bank hours.

Where real-estate closings lose time

• Bank windows. International or high-value wires pause at cut-off times and holiday weekends.
  
  
• Correspondent chains. Extra banks mean extra checks, higher fees, and less predictability.
  
  
• Proof and reconciliation. Screenshots and email threads slow attorneys, title, and finance teams.
  
  
• Wire-instruction risk. Email spoofing and last-minute changes create hesitation at the worst moment.

Crypto + OTC in plain terms

• Accept stablecoins for deposits and closing balances. Buyers pay a USDT or USDC invoice by scanning a QR code. Confirmation lands in minutes.
  
  
• Off-ramp through an OTC desk. Convert the received stablecoin to local fiat with a booked quote and settlement delivered to escrow or trust accounts.
  
  
• Run compliance in the background. WCT Pay embeds KYC and AML through Sumsub, adds sanctions and PEP screening, applies geo rules, and records source-of-funds checks.
  
  
• Keep the audit trail. Every payment carries an on-chain reference that maps to your deal ID. Conversion and bank settlement references complete the file.

No blockchain expertise required. You price in fiat and choose stablecoins for speed and clarity.

Who benefits and how

Developers and brokerages

• Reservation fees and progress payments clear quickly.
  
  
• International buyers complete steps without opening local bank corridors.
  
  
• Fewer fragile moments on launch days and handovers.
  
  

Title, escrow, and closing attorneys

• Funds are provable with on-chain references.
  
  
• Same-day fiat settlement aligns with existing trust-account workflows.
  
  
• Logs simplify closing packages and audits.
  
  

Buyers and sellers

• Less waiting. Fewer back-and-forth emails.
  
  
• A modern option that feels private and efficient.

Common use cases

• Earnest money or reservation deposits. Send a stablecoin invoice when the agreement is executed. Confirm in minutes.
  
  
• Closing balance. Accept USDT or USDC and convert to local fiat via OTC. Deliver to escrow the same day.
  
  
• Cross-border transactions. Reduce reliance on multi-bank correspondent routes.
  
  
• Off-plan or stage payments. Keep crews moving by clearing each milestone without weekend delays.
  
  
• High-value asset sales. Use OTC quotes with execution controls for price certainty.

A simple flow that fits current practice

1. Quote in fiat. Title or developer issues an invoice that shows the fiat amount, accepted asset, network, and a QR code with a short timer.
   
   
2. Buyer pays. The on-chain payment is detected. Status changes from Pending to Paid. Everyone involved receives a confirmation.
   
   
3. Convert and deliver. The OTC desk books the conversion. Fiat lands in escrow or a trust account with references you can file.
   
   
4. Close with confidence. All entries identity checks, on-chain hash, OTC ticket, bank reference sit in one record.

Risk and policy notes

• Volatility. Prefer stablecoins. If BTC or ETH is accepted, convert on receipt.
  
  
• Refunds. Crypto is push based and final after confirmation. Refunds follow your written policy and return only to a verified address or as a fiat credit from escrow.
  
  
• Wire-fraud exposure. Invoices and QR flows reduce last-mile risk from emailed instructions.
  
  
• Limits and tiers. Use enhanced checks for first-time buyers, new regions, or very high values.

What to measure

• Time from funds requested to funds confirmed
  
  
• Delays attributed to “awaiting wire”
  
  
• Processing cost per closing vs legacy rails
  
  
• Support tickets tied to payment and settlement
  
  
• Completion rate for international buyers

Why WCT Pay

• Stablecoin acceptance. USDT and USDC by link or API. BTC and ETH optional with instant conversion.
  
  
• OTC for high value. Booked quotes, transparent execution, and scheduled settlement to escrow.
  
  
• Compliance built in. Sumsub-powered KYC and AML, sanctions screening, geo controls, and ongoing monitoring.
  
  
• Same-day fiat settlement. USD, EUR, GBP, or AUD through regulated partners.
  
  
• Audit-grade records. On-chain references and settlement proofs ready for closing packages.
  
  

Move closings at the speed of your deal, not the bank.
👉 Start with WCT Pay: https://wctpay.com/real-estate