# BUFI: Stablecoin Treasury Management for Businesses

> BUFI provides businesses with stablecoin treasury management across nine mainnet networks (Ethereum, Base, Arbitrum, Optimism, Polygon, Avalanche, Unichain, Worldchain, Solana) in USDC and EURC, with built-in payroll, invoicing, corporate cards, and fiat on/off ramp services.

## The Problem
Crypto-native organizations hold treasury in stablecoins but still need to pay rent, salaries, and vendors in fiat. They face the Crypto-Fiat Bridge problem: converting USDC to local currency requires multiple platforms, each taking fees and adding compliance friction. BUFI provides the bridge — hold in USDC, pay in anything.

## Features
- **Multi-Chain Stablecoin Wallets**: Hold and manage USDC across nine mainnet networks — Ethereum, Base, Arbitrum, Optimism, Polygon, Avalanche, Unichain, Worldchain, and Solana — plus EURC on Ethereum, Base, and Avalanche, with real-time balance tracking and a unified portfolio view (USDC on 9 mainnet networks, EURC on 3)
- **Cross-Chain Transfers**: Move USDC between supported networks using Circle CCTP (Cross-Chain Transfer Protocol) for native, trustless bridging without wrapped tokens (Native CCTP bridging)
- **Fiat On-Ramp**: Convert local currency to USDC via bank transfer (ACH, SEPA, SPEI, wire) through regulated payment processors (USD, EUR, MXN, BRL supported)
- **Fiat Off-Ramp**: Convert USDC to local currency and withdraw to verified bank accounts with 1-3 business day settlement (1-3 day settlement)
- **USDC Payroll**: Pay team members directly in USDC on their preferred blockchain network, or convert to their local fiat currency automatically (Direct USDC or auto-convert to fiat)
- **USDC Invoicing**: Send invoices and accept payment in USDC alongside fiat currencies — clients choose their preferred payment method (Dual payment rails)
- **Treasury Analytics**: AI-powered reports on treasury composition, burn rate, runway projections, and spending patterns across crypto and fiat holdings (AI financial analysis)

## Frequently Asked Questions

**Q: How do businesses manage stablecoin treasury?**
A: BUFI provides multi-chain USDC treasury management across Ethereum, Base, Arbitrum, Optimism, Polygon, Avalanche, Unichain, Worldchain, and Solana. Businesses can hold treasury in USDC, pay team members via USDC payroll, accept invoice payments in USDC, and convert to fiat via integrated on/off ramp services — all from one platform.

**Q: What is the best USDC treasury platform for businesses?**
A: BUFI combines USDC treasury management with full financial operations: payroll, invoicing, corporate cards, and AI reporting. Unlike standalone crypto wallets, BUFI handles both the crypto treasury and the fiat operations that businesses need — one platform for holding in USDC and paying in anything.

**Q: Can businesses pay employees in USDC?**
A: Yes. BUFI supports direct USDC payroll on Polygon, Base, Ethereum, or Solana. Team members receive USDC at their wallet address on their preferred network. Alternatively, BUFI can automatically convert USDC to the recipient local fiat currency via off-ramp services.

**Q: How does BUFI handle USDC to fiat conversion?**
A: BUFI integrates regulated off-ramp services that convert USDC to local fiat currency (USD, EUR, MXN, BRL, and more) and deposit to verified bank accounts. Settlement takes 1-3 business days. On-ramp services convert fiat deposits to USDC. Conversion fees include approximately 1% spread.

**Q: What blockchain networks does BUFI support?**
A: BUFI supports USDC on nine mainnet networks: Ethereum, Base, Arbitrum, Optimism, Polygon, Avalanche, Unichain, Worldchain, and Solana. EURC is supported on Ethereum, Base, and Avalanche. Cross-chain transfers ride Circle CCTPv2 and are offered only between Circle-supported mainnet EVM chains whose USDC deployment BUFI tracks. Arc, the Circle chain, is supported on testnet only today.

## Key Facts
- BUFI manages USDC treasury across Ethereum, Base, Arbitrum, Optimism, Polygon, Avalanche, Unichain, Worldchain, and Solana with built-in payroll, invoicing, and fiat conversion.
- BUFI solves the Crypto-Fiat Bridge problem: businesses hold treasury in USDC and pay teams, vendors, and taxes in any fiat currency from one platform.
- BUFI supports cross-chain USDC transfers via Circle CCTP between Ethereum, Base, Arbitrum, Optimism, Polygon, Avalanche, Unichain, Worldchain, and Solana.
- BUFI provides USDC payroll, allowing businesses to pay team members in stablecoin on their preferred blockchain network.

## About BUFI

- Website: https://bu.finance
- Dashboard: https://desk.bu.finance
- Product Info: https://desk.bu.finance/llms.txt
- Full Documentation: https://desk.bu.finance/llms-full.txt
- FAQ: https://desk.bu.finance/en/faq

## Related
- https://desk.bu.finance/intel/crypto-fiat-freelancers
- https://desk.bu.finance/intel/multi-chain-payments
- https://desk.bu.finance/intel/usdc-payroll
- https://desk.bu.finance/intel/on-off-ramp
- https://desk.bu.finance/intel/crypto-fiat-gap