Payment settlement infrastructure

Take payments in dozens of currencies.
Settle them all in USDC.

If you're not accepting crypto, you should be. If you are — but you can't convert it, or local currencies and ACH, into USDC — that's exactly what we built.

Book a call →See how it works
Funds settle to a wallet you own — workwell never takes custody.
// settlement engine Live
CryptoUSDC · USDT · BTCACH / BankACH · wireLocal fiatUSD · EUR · GBPLocal railsMXN · NGN · +40USDCyour wallet
No ACH bank account
No credit lines
No credit limits
The shift

Money moves in more ways than ever — crypto wallets, bank wires, ACH, and local currencies. workwell connects them and settles the value as clean USDC, in a wallet you control, anywhere your business operates.

What we settle

One gateway. The rails that settle direct.

Collect in crypto, bank transfers, and local currencies — and receive one predictable settlement, straight to a wallet you own.

Crypto

Accept payment from any wallet, on the networks your customers actually hold value on.

USDCUSDTBTCETH

ACH & bank

Bank transfers and wires, ACH, and local transfer rails — for customers who'd rather pay from their account.

ACHWIRESEPA

Local currencies

Charge customers in their own currency across dozens of countries and local payment methods.

USDEURGBPMXN+40
CRYPTO · ACH · LOCAL FIATSettled as USDC to your wallet
How it works

Three steps. Your money never touches us.

STEP 01

Collect

Your customers pay the way they already pay — crypto, a bank transfer, or their local currency — through a checkout configured for your business.

STEP 02

Convert

Licensed settlement partners handle the regulated money movement and currency conversion. workwell orchestrates the technology around them.

STEP 03

Settle

Clean USDC lands in a wallet you own and control. We never hold, custody, or touch your funds at any point.

Why workwell

Built like infrastructure should be.

Ownership

You own the wallet

Settlement goes directly to an address you control. workwell is the technology layer — never the custodian of your money.

Compliance

Built on licensed rails

Regulated partners perform the actual money movement and conversion. We integrate and orchestrate; they settle.

Reach

Global by design

Collect in dozens of currencies and local methods, settle in one. Add geographies without rebuilding your stack.

Fit

Configured to your business

Every gateway is built around how you actually operate. No forcing your model into a one-size template.

Who it's for

If money comes in, we can route it.

Membership communities & programsMarketplaces with many payeesHigh-volume recurring billersCross-border sellersBusinesses bridging fiat & USDCAnyone told "we can't take that here"
FAQ

Questions, answered straight.

What does workwell actually do?
We're the technology layer for payment settlement. We connect your business to the rails your customers already use — crypto, ACH, and local currencies — and settle the value as USDC in a wallet you own. The regulated money movement is handled by licensed partners underneath; we build and orchestrate the technology that ties it all together for your specific use case.
Do you ever take custody of my money?
No. Funds settle directly to a wallet you control. workwell never holds, pools, or takes custody of your money at any point — we're the technology around the settlement, not a stop along the way.
Do I need a bank account, ACH merchant account, or credit line?
No. You don't need a traditional ACH merchant account, a credit line, or a processing limit to get paid. Settlement arrives as USDC in your wallet, which sidesteps the bank approvals, rolling reserves, and volume caps that come with conventional card and ACH processing.
Can my customers keep paying the way they already do?
Yes. Your customers pay however they always have — from a crypto wallet, a bank transfer, or in their local currency — and you receive one clean USDC settlement. The complexity stays on our side of the gateway.
Do you handle credit and debit cards?
No — by design. workwell settles crypto, bank transfers and wires, ACH, and local currencies straight to a wallet you own. We deliberately stay outside the card networks: card processing puts a processor in the middle as the merchant of record — taking on the risk and adding a markup to every transaction. Settling direct keeps you in control and cuts that layer out.
What is USDC, and why settle in it?
USDC is a fully-reserved US-dollar stablecoin — one USDC is designed to always equal one US dollar, backed by cash and short-term US treasuries. Settling in USDC gives you dollar-denominated value that moves quickly and across borders, without waiting on bank cycles or running into local banking limitations.
Is this compliant? Who actually moves the money?
The regulated activity — money transmission and currency conversion — is performed by licensed infrastructure partners, not by workwell. We operate strictly as the technology layer. Every build is scoped to the rails and regions you operate in, so the right licensed partners sit underneath it. We'll walk through exactly how that maps to your business on a call.
Which currencies and regions can you support?
Collection works across dozens of currencies and local payment methods, and the list keeps growing — though it isn't the entire globe yet. The rails available to you depend on where you and your customers operate, which is the first thing we map together.
What does it cost, and how do I get started?
Every gateway is custom, so pricing depends on your rails, volume, and regions — we'll give you clear numbers once we understand your setup. Getting started is one step: book a call, and we'll tell you straight whether it's a fit.
Let's talk

Every gateway is custom. Let's design yours.

Tell us how your customers pay today and how you want to get paid. We'll map the rails, the partners, and the settlement — and tell you straight whether it's a fit.

  • A real conversation, not a sales script
  • A clear read on what's possible for your model
  • No custody, no obligation, no pressure