Invoice in USD. Get paid in USDC. Stop quoting ETH.

Invoice #1042 for 0.5 ETH is how you start an argument. Invoice #1042 for $12,500 USD, pay in USDC, is how AP and treasury both sign off.

Three timestamps

• Create: USD amount is the contract. $12,500. Done.
• Pay: client opens the link. For USDC that quote is the same number. Volatile assets lock a brief quote at checkout — we treat that as optional, not the default.
• Confirm: USDC hits the invoice address. Mark paid. Record USD FMV + tx hash for the books.

Quoting BTC/ETH between invoice date and due date is a volatility dispute waiting to happen.

What has to be true

• Display currency: USD (or EUR).
• Settlement: USDC on a chain the merchant actually uses (Ethereum / Polygon / BSC in our stack). Unique deposit address bound at issuance — not a temp wallet the platform can sweep.
• Signed webhook after on-chain confirmation. The chain is the ledger.

Your accountant still books fiat. The client still pays stablecoins. That is the whole product.

Longer write-up: How to invoice in USD and get paid in crypto.

I work on this at Settlematic. Collect is live. Gateway is sandbox.