> ## 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.

# Use Cases

> See how PIK works for real business scenarios — from cross-border invoicing to marketplace platforms and crypto off-ramp.

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.

### 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.

```mermaid actions={true} theme={null}
%%{init: {'flowchart': {'htmlLabels': true}, 'fontSize': '18px'}}}%%
graph LR
    A["Australian Business<br/>Creates USDT Payment Link"]
    A --> B["Overseas Client"]
    B -->|Sends USDT| C["PIK Wallet"]
    C -->|FX Conversion| D["AUD Balance"]
    D -->|Payout| E["Australian Bank Account"]
```

The entire flow is: USDT received → PIK wallet → FX conversion → AUD → Australian bank.

### Domestic AUD Invoicing

**The situation:** A freelancer wants to invoice Australian clients and receive payment via bank transfer.

```mermaid theme={null}
%%{init: {'flowchart': {'htmlLabels': true}, 'fontSize': '18px'}}}%%
graph LR
    A["Freelancer<br/>Creates AUD Payment Link"]
    A --> B["Payment Link"]
    B -->|Shares with Client| C["Australian Client"]
    C -->|Transfers AUD| D["PIK Wallet"]
    D -->|Payout Request| E["Freelancer Bank Account"]
```

No crypto involved. No merchant account. Just a payment link and a bank transfer.

### Freelance Marketplace Platform

**The situation:** A platform connects freelancers with clients, takes a fee, and pays out to freelancers automatically.

```mermaid theme={null}
%%{init: {'flowchart': {'htmlLabels': true}, 'fontSize': '18px'}}}%%
graph LR
    A["Business<br/>Receives USDT"]
    A -->|Direct Transfer| B["PIK Wallet"]
    B -->|FX Conversion| C["AUD Balance"]
    C -->|Payout Request| D["Australian Bank Account"]
```

Each freelancer has their own PIK wallet. The platform takes fees via wallet-to-wallet transfers. All payouts are automated via the API.

### Crypto Off-Ramp for Business

**The situation:** A business regularly receives USDT from international sales and needs AUD for domestic operating expenses.

```mermaid theme={null}
%%{init: {'flowchart': {'htmlLabels': true}, 'fontSize': '18px'}}}%%
graph LR
    A["Business<br/>Receives USDT"]
    A -->|Share Wallet Address| B["International Clients"]
    B -->|Send USDT| C["PIK Wallet"]
    C -->|FX Conversion| D["AUD Balance"]
    D -->|Payout Request| E["Australian Bank Account"]
```

No exchange account needed. Institutional AUD/USD rates. Fixed spread — no hidden commissions.