The growing adoption of cryptocurrency payments by consumers is being met with a practical solution from merchants: instant conversion to fiat currency at the point of sale. According to Crypto.com's State of Crypto Commerce & Payments report, over 700 million people globally owned crypto in 2025, and wallet-connected shoppers generate 3-5 times higher checkout conversion rates, boosting e-commerce revenue by 11%. However, volatility remains a primary barrier, with 43% of businesses citing price swings as a leading concern in a Q2 2025 CFO Signals survey.
To overcome this, payment processors like BitPay, Coinbase Commerce, and ForumPay offer systems that lock in real-time exchange rates at checkout. The crypto is automatically converted to stable fiat currencies like USD or EUR, with the equivalent amount deposited into the merchant's account within hours or by the next business day. This shields businesses from intraday price fluctuations, which can see assets like Bitcoin move 3-5% in a single day, making crypto payments functionally similar to processing credit card transactions in terms of revenue predictability.
Parallel to this trend, specialized crypto invoice generators like OxaPay are emerging to streamline cross-border transactions. These tools allow merchants to issue invoices priced in fiat currency but accept payments in a wide range of assets including BTC, ETH, USDT, and TON. The system automatically handles conversion, often into stablecoins like USDC, and settles the exact fiat amount, removing volatility from cash flow. OxaPay's platform automates withdrawals, refunds, and provides structured PDF invoices for accounting compliance, aiming to reduce payment abandonment and operational overhead.
The combined effect of these solutions is a maturation of the crypto payment infrastructure. By decoupling merchant revenue from crypto market volatility through instant conversion and stable settlement, businesses can tap into the growing crypto-savvy consumer base without assuming the associated market risk. This addresses key merchant pain points around treasury management, accounting complexity, and predictable cash flow, potentially accelerating the mainstream commercial adoption of digital assets.
