Truman is a KYC, KYB, and AML-compliant B2B payment platform. It enables businesses to send digital dollar payments to 185 countries at 0.6% per transfer — up to 85% cheaper than a SWIFT wire — with funds arriving in minutes, not days. Truman is a certified member of the Circle Alliance Program.

How many countries does Truman support for payments?

Truman supports payments to 185 countries worldwide — all countries without active international sanctions. Payments settle in minutes via local rails (PIX for BRL, SPEI for MXN, SEPA Instant for EUR, Faster Payments for GBP), 24/7 including weekends and holidays.

Is Truman better than SWIFT for international B2B payments?

Yes. Truman is up to 85% cheaper than SWIFT and significantly faster — funds arrive in minutes via local payment rails vs 3–5 business days for SWIFT. Truman eliminates correspondent banking fees, charges a flat 0.6% per transfer (min. $3), and operates 24/7 without bank cut-off times.

Is Truman compliant with KYC, KYB, and AML regulations?

Yes. Truman is fully KYC (Know Your Customer), KYB (Know Your Business), and AML (Anti-Money Laundering) compliant through licensed regulated partners. Truman is also a certified member of the Circle Alliance Program, the official USDC partner certification from Circle.

How Businesses Can Borrow Against Digital Assets Using Stablecoins

Truman productsPay suppliers Get paid Invoicing

66–75%

Typical loan-to-value ratio on digital asset collateral

6.4%

Average borrowing APR on Aave/Compound

Minutes

Time from collateral deposit to loan receipt

Capital gains tax triggered (no sale of digital assets)

"Borrowing against digital assets lets businesses access liquidity without selling no capital gains event, no dilution of treasury, no bank approval required."

Why Borrow Against Digital Assets Instead of Selling?

Businesses holding Bitcoin, Ethereum, or large stablecoin reserves often face a dilemma: they need operational liquidity but don't want to sell assets they believe will appreciate (or incur capital gains taxes on a sale). Asset-backed loans solve this elegantly. By depositing digital assets as collateral and borrowing USDC against them, the business accesses dollar liquidity without triggering a taxable sale, without giving up potential upside on the collateral, and without going through a bank credit process. The collateral remains locked in the protocol not in a bank's hands and can be reclaimed in full once the loan is repaid.

Step-by-Step: How to Take an Asset-Backed USDC Loan

Step 1: Connect a business wallet to Aave or Compound on Ethereum. Step 2: Deposit your collateral asset (e.g., $300,000 in WBTC). Step 3: Borrow USDC up to the allowed LTV at 66% LTV, you can borrow up to $198,000 USDC against your $300K collateral. Step 4: Receive USDC to your wallet within the same transaction. Step 5: Use the USDC for your business purpose (supplier payment, working capital, investment). Step 6: Repay the loan plus accrued interest to unlock collateral. The entire process from deposit to USDC receipt completes in under 5 minutes.

When Asset-Backed Loans Make Sense for Business

This structure works best in three scenarios: (1) Treasury bridge you have digital asset reserves but need fiat for short-term operations while waiting for receivables; (2) Tax efficiency you have unrealized gains on digital assets and want liquidity without triggering a taxable event; (3) Speed you need working capital faster than a bank can provide. It makes less sense when your digital asset collateral is volatile (high liquidation risk), when loan amounts exceed DeFi protocol limits, or when you need an unsecured loan (DeFi always requires overcollateralization).