Our Solutions Navigator helps you explore how accounts, vIBANs and payment rails could support your collection and payout model. Check it out here!
onChain

Third-party
onChain payments
for regulated institutions

Connect stablecoin payments with your fiat operations

Use supported stablecoins for pre-funding your fiat account or settle with counterparties that use blockchain networks. For eligible institutions, onChain can also connect customer stablecoin funding with the account services you already provide.

The available service depends on your institution and use case.

What you get (at a glance)

Fiat-first operations

Bring stablecoin receipts into your fiat workflow. Supported incoming payments are converted into the agreed fiat currency after the required checks. Balances held with Clear Junction Ltd remain in fiat.

Clear records

Connect payment activity with your fiat reporting. Confirm the payment references, transaction statuses and reconciliation information available for your agreed service during implementation.

Connected Access

Use the access model that fits your service. Manage your institution’s approved flows through the Clear Junction portal. Customer-facing services require the agreed integration with your own app or portal.

Connected services, clear responsibilities

Clear Junction Ltd provides the fiat account and payment services. Clear Junction Digital provides the supported digital asset conversion and blockchain transaction services.

For customer-facing services, your institution provides the app or portal experience and remains responsible for its own customer relationship and obligations.

onChain is a payment service, not a service for maintaining cryptocurrency balances. Allocated payment addresses support transaction processing.

The reality

Treasury teams still face delays and extra costs in corridors where traditional routes are slow or hard to access. When stablecoins are added as a separate operating model, day-to-day control becomes harder. Wallet approvals take time, the right payer and payee details do not always arrive in a consistent way, and it becomes difficult to link each onChain payment to the right customer, statement line and internal reference. The result is more manual work for operations and finance, plus slower close and weaker audit readiness.

Send, receive, & convert stablecoins securely, with settlement on blockchain networks

↓

Receive

Receive funds in USDT/USDC,
credited to your fiat balance.

Pay-in
External wallet
→
Client’s CJ wallet
1
Receive USDT/C onChain
2
Convert into GBP/EUR/USD
3
Hold or utilise fiat balance
4
Payment confirmation
↑

Send

Fund in fiat and deliver USDT/USDC
to beneficiary wallets.

Payout
Client’s CJ wallet
→
External wallet
1
Fund CJ Account in Fiat
2
Convert fiat to USDT/C
3
Submit payout instruction
4
Confirmation & transaction hash
Fiat source:
GBP/EUR/USD
Stablecoins:
USDT, USDC
Primary access:
Portal
Settlement:
Same day (T+0)
✓ Blockchain Networks:
USDC: Ethereum, BNB Smart Chain
Ethereum
BNB
USDT: Ethereum, Tron, BNB Smart Chain
Ethereum
Tron
BNB
↓

Receive

Customers receive USDT/C from
their own or 3rd party wallets.

Pay-in
External wallet
→
Customer’s CJ wallet
1
Request unique wallet address for your customer
2
Customer receives USDT/C from external wallet
3
AML screening
4
Auto conversion into fiat and credit to balance
↑

Send

Customers send USDT/C to
beneficiary external wallets.

Payout
Customer’s CJ wallet
→
Beneficiary wallet
1
Conversion from fiat into stablecoin and stablecoin payout
2
AML screening
3
Beneficiary receives USDT/C to their external wallet
Fiat source:
GBP/EUR/USD
Stablecoins:
USDT, USDC
Primary access:
API
Settlement:
Near real-time*
✓ Blockchain Networks:
USDC: Ethereum, BNB Smart Chain
Ethereum
BNB
USDT: Ethereum, Tron, BNB Smart Chain
Ethereum
Tron
BNB
*Requires vIBAN + API integration. Subject to screening and operational cut-offs.

Where onChain can fit

Fund your fiat operations

Receive supported stablecoins from your own or eligible counterparty wallets and bring the converted proceeds into your Clear Junction fiat account.

Settle with a blockchain-based partner

Use the approved payout route when a payment or liquidity partner requires settlement in a supported stablecoin.

Connect customer receipts with everyday payments

For eligible customer-service models, turn supported stablecoin receipts into fiat funds within the account proposition your customer already uses.

FAQs

Let’s map the solution you need

Tell us whether you are funding your own operations, settling with a partner or adding stablecoin functionality for customers. We’ll assess the relevant service, eligibility, currencies and implementation requirements.