In 2025, business‑to‑business transactions accounted for roughly $226 billion of the $380 billion total stable‑coin payments worldwide, making B2B use the dominant real‑world application of these digital assets. The figure more than doubles the combined value of payroll and remittance flows, which together total about $90 billion.
**What are the four jobs of B2B crypto payments?**
In practice, B2B crypto payments split into four distinct functions:
- **Receiving** money from clients or customers.
- **Paying** suppliers and vendors.
- **Running** payroll for employees.
- **Moving** treasury funds and handling large‑volume trades.
Each function tends to be adopted on its own schedule. Companies usually start with the first job because setting up a crypto invoicing tool or a virtual dollar‑card program is the simplest. The remaining three jobs are often added later, if at all.
**Why is the demand already present?**
According to the [International Monetary Fund](https://www.imf.org/en/news/articles/2026/06/16/stablecoins-in-nigeria), Nigeria alone has contributed about 60 % of Sub‑Saharan Africa’s stablecoin inflows since 2019. This makes the country a key market for expanding the other three jobs.
**Why do most firms stop after the first job?**
A typical scenario involves a business selecting a tool for receiving payments, then layering on a different solution for each additional function without a unified strategy. One controller, reviewing crypto accounting software on G2, said they “went through 7 software systems for an arbitrage client” before finding one that could handle every transaction. The result is a month‑end process that requires three separate logins, three data exports, and manual reconciliation in a spreadsheet.
**What challenges arise from a patchwork of vendors?**
Reviewers on G2 note issues such as capacity limits, undocumented transaction rollups, and unqualified support staff. One user described choosing a digital‑asset accounting provider as “an exercise in choosing the least worst, least painful option.” Every extra vendor adds its own fees, onboarding time, and reconciliation workload, quickly inflating costs when applied to four separate jobs.
**Do customers want more than just invoicing?**
Even satisfied users request additional services. A 5‑star review of the crypto invoicing platform Request Finance highlighted the need for “even more services.”
**Is adding the next job riskier than it appears?**
With a single, well‑designed provider, the second job (paying suppliers) introduces no new currency or compliance risk. Operational risks—such as entering an incorrect bank detail—are identical to those on any payment rail. The exposure accepted for the first job does not increase.
**How does compliance work across all jobs?**
Every transaction undergoes automatic KYC and AML screening, eliminating the need for manual checks. Business KYB verification typically completes within a day, and data processing complies with the [Nigeria Data Protection Act 2023](https://cert.gov.ng/ngcert/resources/Nigeria_Data_Protection_Act_2023.pdf). For time‑sensitive trades, the exchange rate is locked before execution, and the same compliance framework applies whether the transaction is a payment, payroll, or treasury move.
**Can a single system handle all four jobs?**
Yes. The platform **[Breet](https://breet.io)** offers three products that cover receiving payments, paying out, and treasury management, while its API also supports payroll. By integrating the Crypto and Stablecoin payment API once, businesses can process inbound and outbound flows through the same interface. The API generates wallets, confirms on‑chain payments, screens for money‑laundering, and automatically converts crypto into the local currency (naira, cedi, etc.). Webhooks instantly notify the business when a payment settles, removing the need for manual dashboard refreshes.
**How does the OTC desk help with large‑volume treasury moves?**
Breet’s OTC Desk locks the exchange rate before the trade and transfers the proceeds to the company’s bank account within an hour. This eliminates slippage for sizable orders and provides better rates along with a dedicated account manager. For smaller transactions, the standard API or invoicing route remains more appropriate.
**What if a company has not started any of the four jobs?**
The recommended entry point is simply receiving payments. Companies can generate a crypto invoice in minutes; the client pays in crypto and the equivalent fiat lands directly in the business’s bank account, leaving existing accounts‑receivable processes untouched.
**How does payroll fit into the picture?**
Breet does not replace payroll software. Instead, firms integrate the API to send wage payments, while salary calculations and approvals continue in their existing payroll tools. If a business seeks an all‑in‑one payroll suite, Breet is not that product; it provides the underlying payment rail.
**Where can businesses learn more before committing?**
The guide “Benefits of Accepting Cryptocurrency in Africa” outlines the advantages, risks, and practical checks for adopting crypto payments. Companies can also book a call with the Breet team to discuss moving additional jobs onto the same rail.
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**Read also:** [Here are 8 startups enabling Nigerians to spend crypto easily](https://technext24.com/crypto/8-startups-to-help-easily-spend-crypto/)