How to move size without surprises.

Explore the OTC Desk → https://wctpay.com/welcome/otc-desk

The moment that calls for OTC

There’s a point where “standard checkout” stops being standard. A closing payment on a property. A last-minute aircraft charter. A treasury move ahead of payroll. The ticket is big, the timing is tight, and the price needs to hold.

That’s where an OTC (over-the-counter) desk earns its keep: direct pricing, controlled execution, and settlement that lands cleanly in your bank without drama.

What an OTC desk actually does (in plain English)

Think of OTC as a concierge for big conversions:

• You request a quote.
• A price is returned and locked for a short window.
• Funds are received and verified.
• Conversion completes and settles to fiat the same day (bank cut-offs apply).
• You receive an evidence pack: confirmations, receipts, and statements your finance team can file and your partners can trust.

Assets in: USDT plus supported assets (SOL, TRX, XRP, DOGE, LTC, SHIB, PEPE, TRUMP).

Fiat out: USD, EUR, GBP, AUD.

Why institutions choose OTC over “good enough”

Price certainty - Big tickets magnify slippage. A rate-lock removes guesswork and allows approvals to proceed without last-second renegotiation.

Speed with proof - Same-day settlement to USD/EUR/GBP/AUD and receipts/Statements/CSV so finance closes the loop.

Compliance inside the flow - Routine KYC at onboarding and KYT on transactions. When a bank (or auditor) asks “how was this screened?”, you have the answer ready.

White-glove execution - Human support for edge cases - split settlements, timing around cut-offs, stakeholder coordination at closings.

When OTC is the right lane

• Real estate & escrow - deposits and completions that must land on time, at a known rate.
• Aviation & charters - last-minute confirmations where operations can’t wait on price swings.
• Treasury & runway - conversions tied to payroll, vendor cycles, or cash management.
• Funds, brokers, and platforms - redemptions and large client payouts where predictability matters.

For routine, smaller payments, WCT Pay’s API/checkout lane is perfect. When the number gets material, OTC keeps it boring in the best way.

A calm, repeatable OTC workflow

• RFQ (Request for Quote) - Share amount, asset, and target fiat. Receive a live quote.
• Rate-lock - Lock the price for a short window; route for internal approvals if needed.
• Funds received & verified - Payment arrives; KYT runs automatically.
• Conversion & settlement - Funds convert and settle to your bank (USD/EUR/GBP/AUD). Cut-offs apply; your desk will time this with you.
• Evidence pack delivered - Trade confirmation, receipt, statement, and CSV/ERP export filed and ready for audit.

What good OTC support looks like

• Clear quoting & spreads
• Time windows for locks that fit your approval process
• Settlement choreography around banking hours and geographies
• Split/partial handling when counterparties need staged delivery
• Named contacts who pick up the phone when it counts

Questions to ask any OTC provider

• Can you lock rates and state the exact timing window?
• What assets and fiat corridors do you support today?
• How are KYC/KYT checks documented?
• What does the evidence pack include (confirmation, statement, CSV/ERP)?
• How do you handle cut-offs, partials, and reversals?
• Who is my point of contact during execution?

Red flags

• “We don’t do formal rate-locks, just screenshots.”
• No KYT record for the transaction.
• PDFs only; no CSV/ERP export for reconciliation.
• Vague answers on settlement timing and bank cut-offs.
• No single point of contact during the trade.

A simple institutional playbook

• Use API/checkout for everyday payments.
• Route anything above your internal threshold to OTC with rate-lock.
• Align settlement calendars with finance and counterparties.
• Archive the evidence pack by deal, not by inbox. Future-you will thank you.

The bottom line

Large conversions don’t need to be exciting. They need to be predictable on price, on timing, and on paperwork. That’s what an OTC desk is built to deliver.

Explore the OTC Desk → https://wctpay.com/welcome/otc-desk