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PIK is designed for businesses that need to accept stablecoin 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. The entire flow is: USDT received → PIK wallet → FX conversion → AUD → Australian bank.

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Domestic AUD Invoicing

The situation: A freelancer wants to invoice Australian clients and receive payment via bank transfer. No crypto involved. No merchant account. Just a payment link and a bank transfer.

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Freelance Marketplace Platform

The situation: A platform connects freelancers with clients, takes a fee, and pays out to freelancers automatically. 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 AUD for domestic operating expenses. No exchange account needed. Institutional AUD/USD rates. Fixed spread — no hidden commissions.