Choosing a Payment Mode

Overview

Brykto supports two payment modes. You choose one at step 2 of onboarding and can switch later under Settings.

Stablecoin mode

You price in your own currency and you get paid in a stablecoin.

• On Stellar: you receive USDC or USDT0
• On the XRP Ledger: you receive RLUSD

Create a link for USD 50.00 and your customer is asked for the matching stablecoin amount. The rate is locked when they open the payment page, so the amount you see is the amount that arrives.

Pick this if you price your products in dollars, yen, naira or any other currency. What lands in your wallet does not move with the market.

Native mode

In native mode, you request payment directly in XRP or XLM. The amount is set in digital currency at the time you create the link. It does not change.

This is suited for merchants who think in digital currency and are comfortable with price movements.

Which should I choose?

If you operate in fiat (pricing your products in USD, NZD, NGN, etc.) choose stablecoin mode. You get predictable settlement with no volatility.

If you already price and think in XRP or XLM, native mode is simpler.