Real Estate Closings with Crypto Settlement

Aditya Chatterjee

October 6, 2025

Turn international interest into funded deals without adding risk.

Start here → https://wctpay.com/real-estate

The problem

High-intent buyers increasingly hold wealth in digital assets. They want to move fast; your back office wants clean fiat and a paper trail. Wire cut-offs, cross-border friction, and rate uncertainty can derail a closing day that should be routine.

WCT Pay bridges the gap: the buyer pays in crypto, and the seller (or escrow) receives same-day settlement in USD/EUR/GBP/AUD with the receipts and statements your partners expect.

How a crypto-to-fiat closing works

  1. Deal set-up - We provision a secure payment link or an OTC RFQ for the deposit/closing amount. Stakeholders (broker, attorney, escrow officer, developer) are looped in.

  2. Quote & rate-lock for larger payments - For big tickets, we issue a live quote and lock the rate for a defined window so approvals can finish without price drift.

  3. Funds received & screened - Buyer sends crypto (often USDT, plus supported assets like SOL/TRX/XRP/DOGE/LTC/SHIB/PEPE/TRUMP). KYT screening runs in-flow.

  4. Conversion & settlement - Funds convert and settle to fiat the same day (bank cut-offs apply) into the named escrow or client account.

  5. Evidence pack - Everyone receives what finance and legal need: confirmations, receipts, statements, and a CSV/ERP export with stable IDs.

Where this helps most

What stakeholders care about

Broker/Agent: “Will this close on time?”
→ Rate-lock + cut-off choreography + named desk contacts.

Attorney/Escrow: “Is the source of funds documented?”
KYC/KYT controls and an exportable evidence pack (receipts, statements, CSV).

Seller/Developer: “Will we receive clean fiat?”
→ Settlement to USD/EUR/GBP/AUD into the designated account; clear status trail.

Buyer: “Is the price certain while we sign?”
→ Short-window rate-lock for large transfers; instant payment confirmation.

Two lanes, one outcome

Both routes share the same compliance, reporting, and settlement.

Closing-day checklist

Frequently asked

Do sellers receive crypto? No. Sellers/escrow receive fiat. Crypto is only on the buyer's side.

How fast is settlement? Typically same day to USD/EUR/GBP/AUD, subject to bank cut-offs.

What about compliance? Merchant onboarding includes KYC/KYB; each transaction runs KYT screening. Documentation is shareable with banks and partners.

Can we stage payments (deposit, completion, extras)? Yes. Use multiple links or a staged OTC plan; each step includes its own evidence.

What if the buyer needs a confirmed rate? Use the OTC lane with rate-lock for a defined window.

Why teams standardize on WCT Pay for property deals

Next step

If your buyers ask to pay in crypto and your closings demand certainty, give your team a rail designed for both.

Start here → https://wctpay.com/real-estate

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