> ## Documentation Index
> Fetch the complete documentation index at: https://docs.pik.global/llms.txt
> Use this file to discover all available pages before exploring further.

# Supported Currencies & Fees

> What currencies PIK supports for payment collection and wallets, the networks used, and the fee structure.

### Payment Collection — Supported Currencies

| Currency | Method                                 | Settlement     | Payment Link | Direct API |
| :------- | :------------------------------------- | :------------- | :----------- | :--------- |
| AUD      | Virtual Account Number (BSB + account) | 1 business day | Yes          | Yes        |
| USDT     | Wallet address                         | Minutes        | Yes          | Yes        |
| USDC     | Wallet address                         | Minutes        | No           | Yes        |

> **Stablecoin network:** Always confirm the correct network with PIK before instructing customers to send USDT or USDC. Contact [hi@pik.global](mailto:hi@pik.global) for current network support. Funds sent on an unsupported network cannot be recovered.

### Wallet Currency Support

| Currency | Receive Inbound                          | Hold Balance | FX Convert | On/Off Ramp          | Payout |
| :------- | :--------------------------------------- | :----------- | :--------- | :------------------- | :----- |
| AUD      | ✅ Via Virtual Account Number (BSB)       | ✅            | ✅          | ✅ Off-ramp to crypto | ✅      |
| USDT     | ✅ Via dedicated crypto wallet address    | ✅            | ✅          | ✅ On-ramp to fiat    | ✅      |
| USDC     | ✅ Via dedicated crypto wallet address    | ✅            | ✅          | ✅ On-ramp to fiat    | ✅      |
| USD      | ✅ Via virtual bank account (contact PIK) | ✅            | ✅          | ✅                    | ✅      |
| EUR      | ✅ Via virtual bank account (contact PIK) | ✅            | ✅          | ❌                    | ✅      |
| GBP      | ✅ Via virtual bank account (contact PIK) | ✅            | ✅          | ❌                    | ✅      |
| HKD      | ✅ Via virtual bank account (contact PIK) | ✅            | ✅          | ❌                    | ✅      |
| SGD      | ✅ Via virtual bank account (contact PIK) | ✅            | ✅          | ❌                    | ✅      |

For inbound stablecoins: Always confirm the correct network with PIK before instructing customers to send USDT or USDC. Contact [hi@pik.global](mailto:hi@pik.global). Funds sent on an unsupported network cannot be recovered.

To fund a USD, EUR, GBP, HKD, or SGD balance, receive AUD or USDT/USDC inbound and use PIK FX Conversion to convert.

### AUD/USD Rate Quality

PIK sources AUD/USD and cross-currency rates from institutional-grade liquidity with access to interbank pricing. PIK applies a fixed spread on the interbank mid-rate — no variable commissions, no hidden markups. The rate you see before confirming a conversion is the rate that executes.

### Fee Structure

| Fee               | When Charged                                    | How Calculated                  |
| :---------------- | :---------------------------------------------- | :------------------------------ |
| Transaction fee   | Per successfully settled payment                | Fixed amount — not a percentage |
| Withdrawal fee    | Per payout to an external bank or crypto wallet | Fixed amount                    |
| FX conversion fee | Per currency conversion within your PIK wallet  | Fixed spread on interbank rate  |

For the full fee schedule, visit [**pik.global/pricings**](https://pik.global/pricings/)

### Minimum Payment Amounts

| Currency | Minimum |
| :------- | :------ |
| USDT     | 10 USDT |
| USDC     | 10 USDC |
| AUD      | 10 AUD  |

### Minimum FX Conversion Amounts

Most currency pairs have a minimum sell amount of 10 units (e.g. 10 USDT, 10 AUD). For the full pair list and current minimums:

```text theme={null}
GET /api/v1/fx/pairs
```