Customer-controlled authorization
Every payment requires the customer to review the recipient, amount and applicable fees, then authorize the transaction.
A faster, clearer way to pay overseas suppliers
Pay overseas suppliers faster, for less—and stay in control.
RICE Pay replaces opaque, repetitive bank wires with one clear workflow: see the costs upfront, authorize the payment yourself and verify USDC delivery on-chain.
Early access · Eligible new customers: 7 days with the RICE Pay transfer fee waived
Your funds stay yoursOnly your authorized users can approve a payment.
Know the cost before you payReview RICE Pay and applicable conversion charges before authorization.
Track every settlementVerify completed USDC transfers directly on-chain.
Repeat without reworkReuse supplier details while approving every transaction separately.
One payment workspace
See the fees first. Approve the payment yourself.
Save supplier details for repeat payments, then keep payment status, receipts and transaction records in one place.
Upfront cost visibility
RICE Pay is designed to display its service fee and applicable third-party conversion fees before authorization.
Trackable USDC settlement
Completed USDC transfers can be verified on-chain instead of disappearing into an opaque correspondent-bank path.
Repeat supplier payments
An address book reduces repeated entry for suppliers that receive regular payments.
Centralized payment records
Transaction history, notifications and payment receipts bring operational records into one workspace.
Digital dollars at meaningful scale
Stablecoins are already moving substantial value.
The opportunity is to turn mature on-chain infrastructure into a business payment experience that importers can actually evaluate and control.
USDC reported in circulation by Circle as of July 27, 2026.
Circle USDC data ↗Adjusted stablecoin transaction volume over the prior 12 months, according to Visa’s methodology—up 63% year over year.
Visa stablecoin research ↗RICE Pay qualifies the business, corridor and payment economics before a live transaction—so customers start with a route built to deliver real value.
Focused early access
Built for importers who refuse to overpay for recurring wires.
If bank fees are hard to predict, settlement is slow or the same payment work keeps returning every month, RICE Pay gives your team a cleaner route.
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Recurring overseas suppliers
You pay multiple supplier invoices across the year rather than making a one-off transfer.
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Cost or timing friction
Your current bank path is difficult to price in advance, slow, or operationally repetitive.
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A supplier able to receive USDC
The first service boundary is delivery of USDC to a designated business wallet.
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Willingness to complete KYB
Customer and corridor eligibility must be verified by the applicable service providers.
Questions before crypto jargon
What finance teams usually want to know.
Is RICE Pay a bank or a crypto exchange?
No. RICE Pay is being developed as customer-authorized payment software. Fiat-to-USDC conversion, where available, is intended to be provided by an eligible third-party conversion partner under that partner’s terms and verification requirements.
Does RICE Pay hold customer funds?
RICE Pay is designed so that a customer authorizes each payment from a Particle Network-powered smart account. RICE Pay does not independently initiate a customer payment or operate a deposit account.
Does a finance team need an existing crypto wallet?
The planned business onboarding uses familiar sign-in and Particle Network wallet infrastructure, so a team should not need to connect a personal browser wallet or manage a seed phrase to evaluate RICE Pay.
What does the supplier receive?
The initial service scope is USDC delivery to the supplier’s designated wallet. Any conversion from USDC into fiat is separate and subject to the supplier’s chosen provider, fees and eligibility.
Is the service available in every country?
No. Availability depends on the customer’s jurisdiction, supplier corridor, business verification, transaction limits and conversion-partner coverage. We confirm fit before proposing a live transaction.
What does ‘RICE’ in RICE Pay mean?
RICE stands for Reliable Instant Crypto Engine. The name reflects our goal of making digital-dollar supplier payments reliable, fast and practical for businesses. RICE Pay is not a cryptocurrency or an exchange; it is customer-authorized payment software. Actual processing times still depend on conversion, business verification and network conditions.
Find out what your current supplier payments are really costing you.
Share the typical amount, frequency and supplier corridor. We will map the visible and hidden costs, then show where a RICE Pay route can deliver a better payment experience.
Request a payment cost review