Crypto invoicing is the practice of billing a client with an invoice that can be paid using cryptocurrency, such as stablecoins, instead of only card or bank transfer. The key difference from a traditional invoice is that payment is verified on the blockchain, so the invoice is marked paid only when the network confirms the funds. Below is a clear breakdown of how it works and how Hanko approaches it.
Crypto invoicing, defined
A crypto invoice is a normal itemized bill with a total, due date and payment instructions, except it can be settled with digital assets. In practice most crypto invoicing uses stablecoins like USDC, USDT or DAI, whose value tracks a fiat currency, so the amount owed stays predictable. The payment moves on a blockchain rather than through a card network or bank rail.
- Same structure as a normal invoice: line items, total, due date
- Paid with stablecoins or other supported tokens
- Settled on a public blockchain instead of a card or bank rail
How on-chain verification works
The defining feature of crypto invoicing is that payment is confirmed by the blockchain itself. With Hanko, an invoice is marked paid only when the network confirms the transaction, which removes the guesswork of 'I sent it' screenshots. Because the ledger is public, both parties can independently see that the correct amount arrived, and Hanko sends an email receipt with an explorer link to the transaction.
- Invoice status updates only after network confirmation
- No reliance on screenshots or manual claims
- Every payment comes with an explorer-linked receipt
How Hanko implements crypto invoicing
In Hanko you build a branded invoice and choose which payment methods to accept. Clients can pay in stablecoins across supported chains including Base, Ethereum, Polygon, Solana, Arbitrum and Optimism, using tokens like USDC, USDT and DAI. When funds arrive, you can off-ramp them to a bank account from the same screen, so crypto invoicing does not lock your revenue into digital assets.
- Chains: Base, Ethereum, Polygon, Solana, Arbitrum, Optimism
- Tokens: USDC, USDT, DAI, plus ETH, SOL or BTC where relevant
- Off-ramp received funds to a bank account when you want
Crypto invoicing vs. traditional invoicing
Traditional invoicing settles through card networks or bank transfers and confirms payment through your bank statement. Crypto invoicing settles on-chain and confirms through the blockchain ledger. With Hanko you do not have to choose one or the other: a single invoice can offer both crypto and fiat, so clients pay however they prefer and you reconcile it all in one dashboard.
- Traditional: card, ACH or SEPA, confirmed via bank
- Crypto: stablecoins or tokens, confirmed on-chain
- Hanko supports both on the same invoice
Frequently asked questions
What is crypto invoicing in simple terms?
It is sending a client an invoice that can be paid with cryptocurrency, usually stablecoins, and having the payment verified on the blockchain rather than only through a bank.
How is a crypto invoice confirmed as paid?
The invoice is marked paid only when the blockchain confirms the transaction. This on-chain verification replaces manual claims or screenshots that the money was sent.
Do clients need cryptocurrency to pay a crypto invoice?
Not with Hanko. A crypto invoice can also offer card, ACH and SEPA bank wire, so clients without crypto can still pay the same invoice by fiat.
Which coins and chains are used for crypto invoicing?
Hanko supports stablecoins like USDC, USDT and DAI across Base, Ethereum, Polygon, Solana, Arbitrum and Optimism, plus ETH, SOL or BTC where relevant.
Can I convert crypto invoice payments to cash?
Yes. With Hanko you can off-ramp received funds to a bank account from the same screen, so crypto invoicing does not force you to hold digital assets.
Is crypto invoicing different from a normal invoice?
The document is the same: line items, a total and a due date. The difference is the payment method and that settlement is confirmed on-chain instead of only through a bank.