How to Pay Business Expenses Using Stablecoin Corporate Cards: A 4-Step Guide

You have a stablecoin treasury. But you have fiat bills to pay. This guide will show you how to connect the two in just a few minutes.

Forget the slow, multi-step off-ramping process of the past. We'll walk you through the exact steps to go from your on-chain funds in a multi-sig wallet to paying a real-world expense, like a software subscription.

What you'll need:

• A multi-sig wallet with a stablecoin balance (e.g., Gnosis Safe).
• An account with a web3 expense platform, such as Reap Direct.

The Process at a Glance

Before we dive into the details, here's a quick overview of the four simple steps.

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Step 1: Connect Your Treasury Wallet

This is a one-time setup to securely link your company's on-chain funds to your spending platform.

1. From your platform's dashboard, navigate to the "Funding Sources" or "Treasury" section.
2. Click "Add New Source" and select your wallet type (e.g., Gnosis Safe).
3. Use your wallet's mobile app to scan the QR code presented on the screen.
4. Approve the connection transaction with your required number of signers.

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Pro Tip: Before you start, make sure your fellow multi-sig signers are online and ready to approve the connection request to make the process instant.

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Step 2: Fund Your Account with Stablecoins

Now that your wallet is connected, you can move Stablecoins into your account to prepare for spending.

1. In the "Funding Sources" section, click "Add Funds" next to your connected wallet.
2. Enter the amount of stablecoins (e.g., 5,000 USDC) you wish to transfer.
3. Review the transaction details and click "Confirm."
4. Approve the transfer in your multi-sig wallet. Your funds will appear in your account balance within minutes.

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Step 3: Create and Assign a Virtual Card

This is where you gain granular control over your spending. Instead of using one card for everything, modern platforms let you create unique cards for every project.

1. Navigate to the "Cards" section and click "Issue New Card."
2. Name the card for easy tracking (e.g., "AWS Cloud Services" or "Meta Ads").
3. Set a spending limit (e.g., monthly, quarterly, or total) to prevent overcharges.
4. Click "Create Card." Your new virtual card is generated instantly.

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Step 4: Pay Your Business Expense

This is the final step—using your newly created card to pay a bill.

1. Click on your new virtual card to reveal the 16-digit card number, expiry date, and CVC.
2. Go to your vendor's billing page (e.g., the AWS billing console).
3. Copy and paste the virtual card details into the payment form, just like you would with any other corporate card.
4. Confirm the payment. The transaction will immediately appear in your platform's dashboard.

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What Happens Next? Unified Tracking and Control

Once the payment is made, it's instantly logged in your platform's dashboard. You can see the vendor name, the amount spent in fiat, and which card was used. This eliminates the need for manual expense tracking and gives your finance team a single source of truth for all spending originating from your on-chain treasury.

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Conclusion

In just a few minutes, you've successfully gone from a secure, on-chain treasury to a paid off-chain expense—all without the delays, fees, and complexity of traditional off-ramping.

This is what a modern financial workflow for a Web3 business looks like: fast, secure, and fully integrated.

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Further Reading

While the steps above are general for most Web3 expense platforms, if you're looking for a solution purpose-built for how your business runs, you can learn more below.

Ready to streamline your spending? Learn How to Get Started with Reap Card

Have more questions? Talk to an expert.

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