Pavel Skalin
Founder & CEO, Align, and the author of Align's guides, account pages and conversion pages: 78 pages on getting paid across borders, paying suppliers, payment rails, stablecoins and the rules around them.
Latest update: 2 November 2026
How the guides are written
- Sourced. Every figure and rule links to its primary source: the central bank, the scheme rulebook, the regulator or the provider's own terms.
- Dated. Each page shows when it was last updated, and provider facts say when they were read.
- Rechecked. Pages with a deadline or a scheduled rule change carry a review date, and the build flags any page whose date has passed.
- Fair to competitors. Comparisons say when another provider is the better fit, from its own published terms.
Spotted an error? Tell us, and we'll correct it and update the date. More about Align is on the about page, and about Pavel Skalin on Crunchbase.
Accounts and getting paid
- How to get a USD account as a non-US company20 October 2026
- How to get paid by US customers without a US entity23 October 2026
- Named vs pooled virtual IBANs: what's the difference and why it matters20 October 2026
- SWIFT code vs IBAN vs routing number: which details do you need to get paid?29 October 2026
- What documents you need to open a business account: KYB and source of funds explained23 October 2026
- How to accept USDT and USDC payments from business customers23 October 2026
- Stablecoin payments for small businesses: three ways to get paid in USDT and USDC29 October 2026
Using AlignPay
- USD and EUR Global Accounts: how AlignPay holds and exchanges your money2 November 2026
- How to pay a supplier bill in AlignPay: upload, check and approve2 November 2026
- How to create, send and get paid on an invoice in AlignPay2 November 2026
- How to pay many people at once from a CSV file in AlignPay2 November 2026
- How to set up team roles and payment approvals in AlignPay2 November 2026
- How to let a supplier track your payment with a status link2 November 2026
- A payment you received is in review: what it means and what to send2 November 2026
- How to download statements and reconcile AlignPay with your accounting2 November 2026
- How to download a proof of account letter (account confirmation) from AlignPay2 November 2026
Paying suppliers and contractors
- How to pay overseas suppliers from USDT or USDC29 October 2026
- How to pay international contractors in USDC or by local bank transfer22 October 2026
- Supplier says its bank details have changed? How to check before you pay2 November 2026
- Paid in USDT by shippers? How freight forwarders still pay carriers on time23 October 2026
Payment rails, fees and delays
- ACH vs wire (Fedwire) vs FedNow: which US payment rail to use23 October 2026
- SEPA Instant vs SWIFT: speed and cost for business payments23 October 2026
- Which countries are in SEPA? All 41, with their IBAN codes and currencies29 October 2026
- UK payment rails for businesses: Faster Payments, CHAPS, Bacs and Confirmation of Payee23 October 2026
- Verification of Payee: what the EU name check means for business payments2 November 2026
- International wire fees explained: OUR, SHA and BEN22 October 2026
- Stablecoin vs SWIFT wire: what a cross-border payment actually costs in 20262 November 2026
- How to track a SWIFT payment and find out why it's late22 October 2026
- Swift's structured address deadline: what the deferral means and what to give payers2 November 2026
- Why international business payments get rejected or returned23 October 2026
- Cross-border payment statistics for 2026: SWIFT, ACH, UK rails and stablecoins29 October 2026
- Cross-border payments glossary: SWIFT, SEPA, ACH and stablecoin terms explained29 October 2026
Stablecoins and networks
- USDT vs USDC for business payments: which to hold and which to send20 October 2026
- EURC vs USDC: when a business should hold euros on chain instead of dollars2 November 2026
- Where a business can earn yield on USDC and USDT, and what the risks are2 November 2026
- Bank-issued stablecoins and deposit tokens: what Qivalis and JPMD mean for businesses2 November 2026
- Tron, Ethereum, Solana or Base: which network to use for USDT and USDC payments22 October 2026
- Who pays the gas fee on a stablecoin payment?29 October 2026
- What to do if you send USDT or USDC to the wrong network or address22 October 2026
- Why USDT and USDC get frozen, and how a business avoids frozen funds2 November 2026
- Agentic payments and x402: how AI agents pay, and what's real in 20262 November 2026
Rules, tax and accounting
- Stablecoin regulation by country in 2026: EU, US, UK, UAE, Hong Kong and Singapore2 November 2026
- Is USDT MiCA compliant? What EU businesses holding USDT can do now22 October 2026
- The GENIUS Act: what non-US businesses need to know29 October 2026
- The Travel Rule for stablecoin payments: what businesses need to know2 November 2026
- DAC8 and CARF: what your company will be asked when it holds stablecoins2 November 2026
- VAT when you're paid in USDC or USDT: value, exchange rates and records2 November 2026
- Can stablecoins count as cash? FASB's 2026 proposal and how to account for USDC2 November 2026
Comparisons
- Align vs Wise Business: multi-currency accounts compared22 October 2026
- Align vs Airwallex: which business account fits a company that uses stablecoins22 October 2026
- Align vs Revolut Business: which fits a company paid in stablecoins23 October 2026
- Align vs Mercury: business accounts for companies outside the US23 October 2026
- Mercury alternatives for founders outside the US or in its restricted countries2 November 2026
- Wise Business alternatives for companies paid across borders29 October 2026
- Airwallex alternatives for companies outside its countries or paid in stablecoins29 October 2026
- Payoneer alternatives for businesses receiving international payments23 October 2026
- Bridge alternatives for companies outside the US22 October 2026
- BVNK alternatives for businesses that move money with stablecoins22 October 2026
- Airwallex vs Wise Business: fees, accounts, cards and who can open one29 October 2026
- Wise vs Payoneer for businesses: receiving fees, withdrawals and who can open one29 October 2026
- Bridge vs BVNK: stablecoin infrastructure from Stripe and Mastercard compared29 October 2026
Switching providers
- Moving from Wise Business to Align: a switching checklist2 November 2026
- Moving from Payoneer to Align: a switching checklist2 November 2026
- Moving from Airwallex to Align, or adding it: a switching checklist2 November 2026
- Moving from Mercury to Align: getting paid as your own company2 November 2026
Accounts
- EUR IBAN for companies outside the EU22 October 2026
- UK business account for non-residents: GBP for companies outside the UK23 October 2026
- US business account for non-residents: receive USD as a non-US company29 October 2026
- AED business account for companies outside the UAE29 October 2026
- Stablecoin business account: USDT and USDC in, USD, EUR, GBP or AED out23 October 2026
Convert
- How to convert USDC to AED and send it to a UAE bank account29 October 2026
- How to convert USDC to EUR and send it to a bank account22 October 2026
- How to convert USDC to GBP and send it to a bank account23 October 2026
- How to convert USDC to USD and send it to a bank account29 October 2026
- How to convert USDT to AED and send it to a UAE bank account29 October 2026
- How to convert USDT to EUR and send it to a bank account23 October 2026
- How to convert USDT to GBP and send it to a bank account22 October 2026
- How to convert USDT to USD and send it to a bank account29 October 2026
Get started
Open a business account built on stablecoins.
Named USD, EUR, GBP and AED accounts in your company's name, with USDC and USDT in and out. Apply online; our compliance team reviews applications in 1 to 5 business days.
