当您的店铺使用非美元（USD）进行商品标价与展示时，StablePay 将在用户付款环节，自动根据实时汇率将该金额折算为美元（USD），并以等值的 USDT / USDC 完成收单与结算。
无论您的店铺前端显示的是什么币种，您最终收到的始终为：
USDT / USDC
此功能已默认开启，无需任何人工操作。
StablePay 当前支持以下主流跨境电商与独立站常用法币的自动换汇：
- EUR（欧元）
- GBP（英镑）
- AUD（澳元）
- CAD（加元）
- IDR（印尼盾）
- PHP（菲律宾比索）
- VND（越南盾）
- THB（泰铢）
- MYR（马来西亚林吉特）
提示
如您使用的币种在上述列表中，系统将自动完成换汇流程。
当您的店铺使用非美元币种标价时，系统会在支付时执行以下流程：
本地币种金额
↓
（按实时汇率）
↓
折算为 USD
↓
（1:1）
↓
以 USDT / USDC 完成付款与结算
| 项目 | 说明 |
|---|
| 汇率参考 | 国际主流大型银行中间价 |
| 换汇费用 | 无额外加价 |
| 结算方式 | USDT / USDC |
| 结算周期 | 不变（仍为 T+1） |
无论店铺使用哪种币种标价，所有收单手续费均以「美元（USD）」为基准计算，并在结算时正常扣除。
假设您的商品标价为：100 EUR
100 EUR
↓
自动换汇为 108.50 USD
↓
用户实际支付：108.50 USDT / USDC
↓
按 108.50 USD 计算收单费用
↓
结算到账 = 108.50 - 手续费（以 USDT/USDC 发放）
- USDT / USDC
- 手续费按美元金额计算并扣除（逻辑完全透明）
| 商品标价 | 换汇汇率 | USD 等值 | 手续费(1.5%) | 实际到账 |
|---|
| 100 EUR | 1.085 | 108.50 USD | 1.63 USDT | 106.87 USDT |
| 50 GBP | 1.27 | 63.50 USD | 0.95 USDT | 62.55 USDT |
注意
手续费始终按美元金额计算，与您的店铺标价币种无关。
目前该功能：
如您不希望使用自动换汇功能，请在下单或 API 传参时将币种统一设为 USD：
后台设置 → 商品管理 → 商品币种 → 选择 USD
{
"amount": {
"value": "100",
"currency": "USD"
}
}
提示
当币种为 USD 时，系统不会触发换汇逻辑，直接 1:1 转换为 USDT/USDC。
When your store prices products in a currency other than USD, StablePay will automatically convert the amount to USD at real-time exchange rates during payment, completing the transaction and settlement in equivalent USDT/USDC.
Regardless of what currency your storefront displays, you will always receive:
USDT / USDC
This feature is enabled by default and requires no manual operation.
StablePay currently supports automatic currency conversion for the following major fiat currencies commonly used in cross-border e-commerce:
- EUR (Euro)
- GBP (British Pound)
- AUD (Australian Dollar)
- CAD (Canadian Dollar)
- JPY (Japanese Yen)
- HKD (Hong Kong Dollar)
- SGD (Singapore Dollar)
- IDR (Indonesian Rupiah)
- PHP (Philippine Peso)
- VND (Vietnamese Dong)
- THB (Thai Baht)
- MYR (Malaysian Ringgit)
- MXN (Mexican Peso)
- BRL (Brazilian Real)
Note
If your currency is in the above list, the system will automatically complete the conversion process.
When your store prices in a non-USD currency, the system executes the following process during payment:
Local Currency Amount
↓
(At Real-time Rate)
↓
Convert to USD
↓
(1:1)
↓
Complete Payment & Settlement in USDT/USDC
| Item | Description |
|---|
| Exchange Rate Reference | Major international bank mid-rates |
| Conversion Fee | No additional markup |
| Settlement Method | USDT / USDC |
| Settlement Cycle | Unchanged (still T+1) |
Regardless of your store's pricing currency, all transaction fees are calculated based on USD and deducted during settlement.
Assume your product is priced at: 100 EUR
100 EUR
↓
Auto-convert to 108.50 USD
↓
User pays: 108.50 USDT/USDC
↓
Transaction fee calculated on 108.50 USD
↓
Settlement = 108.50 - fee (paid in USDT/USDC)
- USDT / USDC
- Fees calculated on USD amount and deducted (completely transparent)
| Product Price | Exchange Rate | USD Equivalent | Fee (1.5%) | Net Settlement |
|---|
| 100 EUR | 1.085 | 108.50 USD | 1.63 USDT | 106.87 USDT |
| 50 GBP | 1.27 | 63.50 USD | 0.95 USDT | 62.55 USDT |
Note
Fees are always calculated in USD, regardless of your store's pricing currency.
Currently this feature:
- Enabled by default
- Cannot be disabled in dashboard
If you don't want to use automatic currency conversion, set the currency to USD when placing orders or via API:
Dashboard → Product Management → Product Currency → Select USD
{
"amount": {
"value": "100",
"currency": "USD"
}
}
Note
When the currency is USD, the system will not trigger conversion logic and will directly convert 1:1 to USDT/USDC.
