PRODUCT

Auto-converting incoming BTC to USDT, for free

A short note on how the payment wallet routes volatile inflows into stablecoins the moment they land: no conversion fee, and no watching a chart.

BO
Ben OkaforDeveloper Relations · Guveno
Apr 22, 2026·4 min read
Auto-converting incoming BTC to USDT, for free

The problem with getting paid in BTC

Accepting volatile assets is great until you have to do your books. A payment worth $1,000 on Tuesday can be worth $930 by the time it clears, and now your revenue depends on a candle. For most businesses, the right move is to lock in value the instant money arrives.

How auto-conversion works

Turn on auto-convert for a payment account and pick a target, usually USDT. When a deposit confirms, Guveno converts it to the stablecoin at the rate you received it, before it ever sits exposed. You see one tidy balance in the currency you actually think in.

There is no conversion fee on the payment wallet. The spread you would normally lose is the product.

A coin dropping into a piggy bank beside a globe and stablecoin icons
Inflows land, convert to stablecoin, and settle. No chart-watching required.

The reverse: building a crypto treasury

Auto-conversion runs both ways. Just as you can turn volatile inflows into stablecoins, you can route a slice of ordinary USD or USDT income straight into long-term crypto storage (BTC, ETH, or whatever you are comfortable holding) and sweep it to a cold account on a schedule.

Allocating a small, fixed percentage of revenue into crypto is becoming a normal part of treasury management: a deliberate hedge against currency debasement and a long-horizon reserve, sized so a bad quarter for the asset never threatens operations. Set the percentage, pick the destination, and let it accumulate quietly: dollar-cost averaging without anyone remembering to press a button.

When to leave it off

If you are deliberately holding an asset, leave auto-convert off for that account and let it ride. The point is choice: convert the money you need to spend, hold the money you mean to keep.

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