Suby collects on your behalf, handles VAT & disputes, then deposits net revenue to your bank account or USDC wallet. T+3/5 settlement.
Customer sends crypto directly to your wallet via Suby smart contracts. Suby never holds the funds. No settlement delay · instant.
Receive payouts from card and crypto payins straight into your PayPal account. Funds arrive instantly, you just get paid, no extra steps, no conversions to manage.
Here's the PayPal flow: no matter how the customer pays (PayPal, card or crypto), every payment can land in the merchant's PayPal account. Suby moves the money over fast on-chain rails behind the scenes; the merchant simply gets paid. It's one of several flows, funds can just as easily settle to a bank account or USDC wallet.
This shows the PayPal flow, one of several. The same payins can also settle to a bank account or USDC wallet. The merchant picks their destination in Payout Accounts.
Card, crypto or PayPal payins all converge to the same PayPal account. No juggling between methods.
Funds move over fast, low-fee rails under the hood, so payouts arrive quickly and cheaply.
No conversions, no crypto wording, no extra steps. The merchant sees their money land in PayPal.
A product improvement that would make PayPal payouts far more compelling for merchants settling through Suby.
Today, USD and PYUSD live in separate places. A merchant who receives a PYUSD payout has to open a different tab to even see it. Many merchants won't realize they've been paid, or won't understand they need to move funds around. The money feels "missing".
One dollar balance. No more "I wasn't paid" tickets from hidden crypto balances.
Lands as spendable dollars, so merchants happily accept stablecoin payouts.
Visible, usable funds stay in PayPal longer instead of being withdrawn.
On-chain settlement keeps moves cheaper and faster than fiat rails.