This month, The Better Money Company paid a Notabene invoice in RLUSD. We received USDC. Nobody on either side arranged a trade to make that happen.

The gap between what a payer holds and what a recipient wants is one of the quieter obstacles to B2B stablecoin payments. Someone has to do the swap, and sometimes bridge across chains, before or after the payment. Our partnership with The Better Money Company moves that conversion into the payment itself.

How stablecoin conversion works inside a Notabene Flow payment

Notabene Flow orchestrates the payment. It verifies who is paying whom and carries the invoice reference and Travel Rule data with the transfer, so each side knows what the payment is for before it arrives. The Better Money Company handles conversion. When the payer and the recipient hold different stablecoins, its clearinghouse converts between them as the payment executes.

Notabene never holds or moves the funds. The payer sends from its own wallet, and The Better Money Company delivers the converted asset to the recipient. Banks and card networks already divide the work this way, with one party carrying the message and the trust and another handling the money.

Stablecoin invoice payments for Notabene Flow customers

Notabene Flow customers already send and receive invoice payments in stablecoins. Conversion is a layer on top of those same payments. The payer pays in whichever supported stablecoin it holds, and the recipient receives the one it prefers.

The receiving side gains the most. A business that wants to accept stablecoin payments but hold only one stablecoin no longer has to ask each customer to convert first, or take whatever arrives and convert it afterward. The invoice says what it wants, and that is what lands.

Paying a real invoice in RLUSD and receiving USDC

The first real test of this was a payment between the two partners. Notabene issued an invoice as a Notabene Flow payment link. The Better Money Company paid it in RLUSD from its Utila wallet, connected through WalletConnect, and its Auto Routes feature cleared the RLUSD into USDC. We received USDC, the stablecoin our finance team holds. Both legs ran on Ethereum.

On our side, it ran like any other Flow payment. Flow verified The Better Money Company as the counterparty and exchanged Travel Rule data before any funds moved, and the invoice reference traveled with the payment. Alice Nawfal, our President and Co-founder, and Sam Broner from The Better Money Company walk through it in the video below.

Which stablecoin is best for B2B payments?

The one each side already wants to hold. That answer gets harder to deliver as dollar stablecoins multiply across chains, because every new asset makes it more likely that payer and payee won't match. RLUSD to USDC on a single chain is the easy version of the mismatch. The harder versions cross chains.

The fix belongs in stablecoin payment infrastructure, so a finance team picks its asset once and stops tracking what its counterparties hold. Notabene Flow orchestrates the payment and provides the compliance tooling around it, while partners like The Better Money Company handle conversion and liquidity. Our next step is turning a payment we arranged for ourselves into something any Flow customer can switch on.

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Want this capability on your stablecoin payment flows? Book time with our team and we'll be glad to get you set up.