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PIK is designed for businesses that need to accept crypto payments, convert between currencies, and pay out in fiat. Below are four common use cases showing exactly how funds flow in each scenario.

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Cross-Border B2B Invoicing

The situation: An Australian business provides services to an overseas client. The client wants to pay in USDT. The business wants to receive AUD in their Australian bank account. How it works: 
1. Australian business creates a USDT Payment Link for the invoice amount
2. Overseas client opens the link → sees PIK-assigned Solana wallet address
3. Client sends USDT from their crypto wallet (Solana network)
4. PIK detects the on-chain transfer → credits USDT to business's PIK wallet
5. Business uses PIK FX Conversion to convert USDT to AUD
6. Business initiates a payout to their Australian BSB and account number
7. AUD arrives in the business's bank account within 1 business day
Key facts: No card network. No SWIFT. No intermediary FX bank. The entire flow is USDT → PIK → AUD → Australian bank.

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Domestic AUD Invoicing

The situation: A freelancer or small business wants to invoice Australian clients and receive payment via bank transfer, without building an invoice software integration. How it works: 
1. Freelancer creates an AUD Payment Link with the invoice amount and reference
2. Shares the link URL or QR code with their client via email
3. Client opens the link → sees a BSB and account number with exact amount
4. Client transfers AUD from their bank (any Australian bank)
5. PIK detects the inbound transfer → credits AUD to the freelancer's PIK wallet
6. Freelancer initiates a payout to their personal bank account
Key facts: No crypto involved. No merchant account. No Stripe fees. Just a payment link and a bank transfer.

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Freelance Marketplace Platform

The situation: A platform connects freelancers with clients. The platform wants to collect payments from clients, take a fee, and pay out the remainder to freelancers automatically. How it works: 
1. Platform creates a connected account in PIK for each freelancer (after KYB/KYC)
2. Platform creates a Payment Link for each job — amount = full client payment
3. Client pays in USDT or AUD
4. Payment settles to the connected account wallet
5. Platform calls PIK API to transfer platform fee (e.g. 10%) to platform wallet
6. Platform initiates a payout of the remaining 90% to the freelancer's bank account
   or crypto wallet
Key facts: Each freelancer has their own PIK wallet. The platform takes fees via wallet-to-wallet transfers. All payouts are automated via the API.

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Crypto Off-Ramp for Business

The situation: A business regularly receives USDT from international sales and needs to convert it to AUD for domestic operating expenses. How it works: 
1. Business shares their PIK-assigned Solana wallet address with international clients
2. Clients send USDT directly to that address (no payment link needed)
3. USDT credits to the PIK wallet within minutes
4. Business runs a scheduled FX conversion: USDT → AUD at PIK's institutional rate
5. AUD balance is available immediately after conversion
6. Business initiates weekly payout to their Australian operating bank account
Key facts: No exchange account needed. No withdrawal limits from an exchange. Institutional AUD/USD rates. Fixed spread — no hidden commissions.