Operating-liquidity route
Crypto revenue → payroll
Separate customer receipts, company conversion and domestic payroll. The route includes contingency planning, not just a transaction.
- Sheet
- 005
- Section
- Route atlas
- Instrument
- Route chart
- Edition
- 12 · XI · 2026
- 01Revenue record
- 02Company treasury
- 03EUR receipt
- 04Payroll funding
Recognise the underlying receipt
Link the asset receipt to the commercial record and the company’s accounting policy. An on-chain event is not a complete revenue classification.
Keep: Invoice or agreement; wallet receipt; valuation support.
Plan the conversion window
Determine the cash obligation date and allow for provider review and payout timing. Do not equate a fast bank rail with an instant end-to-end off-ramp.
Keep: Liquidity forecast; agreed route; escalation contacts.
Reconcile usable euros
Only mark funds as available according to the actual bank status. Keep pending trades and reviewed payouts separate from settled operating cash.
Keep: Trade record; payout reference; credited bank balance.
Fund the payroll process
Use the company’s authorised payroll process, beneficiary controls and approval separation. Retain the link between the funding transfer and the payroll file.
Keep: Payroll approval; funding reference; payment confirmation.
Where the route can break
- Depending on a first untested off-ramp for imminent payroll.
- Using a quote as if it were a bank balance.
- Losing the connection between revenue and net payout.
Method, assumptions and limits
Regulatory facts are linked to primary sources. Suggested workflows are our editorial synthesis; examples and fee scenarios are hypothetical. The mechanical illustration is a conceptual navigation aid, not a prescribed legal funds flow.
This is a dated research edition, not an automatically updated register or live price feed. Check the applicable entity, service, jurisdiction and source version before using the material.
Read the methodologySources & scope
Research snapshot: 12 November 2026. The dated rule, its scope and the legal entity matter. Open the primary source before acting.
- EPC: SEPA Credit Transfer schemeScheme operator documentation
- EPC: SEPA Instant Credit Transfer schemeScheme operator documentation
- EUR-Lex: Regulation (EU) 2023/1113 — information accompanying transfersEU legislation
- EUR-Lex: Council Directive (EU) 2023/2226 — DAC8EU legislation