Companies across many sectors are changing how they process transactions. While government-issued money remains the primary option, more businesses are adding digital assets to their payment systems. According to CoinLaw’s 2025 report, crypto adoption in online retail jumped by 38%. Over 32,000 merchants now support digital currencies.
This shift has created a demand for hybrid payment models. These systems let companies accept, hold, and transfer both fiat and crypto under one structure. With the right tools, businesses can make payments in stablecoins, accept customer funds in crypto, and convert to fiat as needed. While hybrid models may offer operational advantages, businesses must also consider compliance, tax, and cybersecurity risks when deploying such systems.
To handle these flows, businesses often rely on a blockchain payment gateway. This tool serves as the main link between a company’s internal system and blockchain networks. However, this content is provided for informational purposes only and does not constitute financial, legal, or investment advice. Businesses should ensure compliance with applicable laws and regulations before using crypto payment systems or services.
Why businesses add crypto payment options
Companies face different challenges depending on their market. In some regions, card payments fail due to poor infrastructure. In other cases, international transfers take days and cost more than expected. A hybrid payment setup helps solve these problems.
Online platforms, B2B providers, and iGaming operators often deal with global clients and partners. They need flexible payment systems that work internationally. A hybrid model allows them to pay international teams, accept funds from crypto users, and convert between currencies when needed.
What a hybrid flow looks like
Hybrid payment systems don’t follow a single pattern. Companies set them up based on their needs. A digital agency might pay freelancers in USDC while accepting project fees in EUR and BTC. An online store might offer checkout options in local currencies and popular stablecoins.
Key actions in a hybrid flow include:
- Receiving customer payments in digital assets
- Converting crypto to fiat for reporting
- Paying global contractors in stablecoins
- Holding funds in crypto to avoid local currency swings
All actions must meet legal and privacy standards. Systems should provide clear audit trails and full transparency.
The role of a blockchain payment gateway
A blockchain payment gateway supports these processes. It connects to blockchain networks and improves main actions such as fund acceptance, conversion, storage, and payout. Such platforms often integrate with wallets and business tools to support operations at scale.
Core functions include:
- Accepting crypto payments from platforms or customers
- Storing assets securely in hot or cold wallets
- Managing conversions between digital and traditional currencies
- Automating payments and setting thresholds
- Exporting data for finance and audit teams
Some providers let businesses customize their workflows. They may set rules for currency exchange, control exchange paths, or adjust payout settings based on destination or volume. This flexibility supports different models and helps reduce manual intervention.
Why hybrid payment models work
There are clear benefits for companies that adopt hybrid systems:
- They can reach new users, especially in places where traditional payment services fall short. These users may rely on crypto for everyday transactions.
- Time-sensitive payments settle faster in crypto than through banks. A stablecoin payment often clears within minutes. For businesses that manage recurring payments or urgent payouts, this speed matters.
- Hybrid payments help lower costs. By removing middlemen in international transfers, companies save on fees. This is especially useful for firms with high transaction volumes or operations in multiple countries.
- Hybrid flows support flexibility. A company can pay one contractor in ETH and another in EUR without relying on external services. The system handles both paths, reducing delays and improving control.
OTC trading and large transactions
Businesses dealing with high-volume trades often use an OTC crypto exchange. These platforms allow them to buy or sell digital assets without affecting market prices. OTC desks support block trades with discreet, direct execution. Some licensed providers with CoinsPaid on the list offer OTC trading services that support large-volume transactions. Use of such services must comply with applicable regulatory requirements.
Companies use OTC services to manage treasury operations, rebalance holdings, or make one-time purchases. Paired with a hybrid payment setup, OTC trading helps maintain liquidity while supporting custom cash flow needs.