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Payment & Settlement Methods

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Article 15 Reference

Payment & Settlement Methods

Purchase Price and Repurchase Amount payments may be settled by bank transfer, certified funds, card, or a supported digital asset, as elected on your Payment Election (Schedule D) and accepted under Article 15 of the Agreement.

Approved Payment Rails

How members fund and receive settlement

All methods are subject to H2H’s onboarding and compliance checks at the time of each transaction. Fees shown are illustrative — confirmed fees are disclosed before you authorize any payment.

W

Wire Transfer

Domestic & International

Settle directly to or from your designated bank account. The standard method for higher-value Purchase Price and Repurchase Amount payments.

Typical settlement
1–2 business days

CF

Certified Funds

Cashier’s Check / Bank Draft

Accepted for in-person or courier-delivered settlement where wire transfer is unavailable or impractical for either Party.

Typical settlement
On receipt + clearing

ACH

ACH / Local Clearing

Where Available

Domestic clearing-network transfer for members whose bank and jurisdiction support it, as an alternative to wire transfer.

Typical settlement
1–3 business days

$

Card Payment

Via Designated Processor

Available for smaller Carrying Cost or fee payments through H2H’s designated third-party processor, where offered.

Processor fee
Disclosed at checkout

Ƀ

Digital Asset (Crypto)

BTC · ETH · Stablecoins

Settle in a Supported Digital Asset to a designated wallet address. Converted at a locked reference rate per Article 15.4.

Typical settlement
Per network confirmations

+

Other Method

By Written Agreement

Any other settlement method the Parties agree to in writing and append to Schedule D before it is used.

Terms
Set by amendment

Digital Asset Settlement · Article 15.3–15.4

How a crypto payment is settled

Digital-asset payments follow a fixed sequence so both Parties agree on the exact amount, destination, and finality before funds move.

Settlement Sequence

1Elect & designate. Choose a Supported Digital Asset on your Payment Election (Schedule D) and confirm the receiving wallet address in writing.
2Lock the Conversion Rate. H2H quotes a rate from the index source in Schedule D, fixed for the rate-lock window.
3Send within the window. The paying Party transfers the exact amount to the designated address before the lock expires.
4Confirm on-chain. Payment is treated as received only once it reaches H2H’s required block-confirmation count.
5Receipt issued. H2H issues a receipt recording the amount, Conversion Rate, transaction hash, and confirmations relied upon.

Indicative Settlement Rates

BTC Bitcoin$67,420.00 ▲ +1.18%
ETH Ethereum$3,512.60 ▲ +0.84%
USDC USD Coin$1.00 — 0.00%
USDT Tether USD$1.00 ▲ +0.01%

Reference rates only — the binding Conversion Rate is the one locked in writing for your specific transaction under Article 15.4.

Sample Designated Receiving Address (Illustrative)

bc1q-EXAMPLE-ADDRESS-DO-NOT-SEND-FUNDS-0000000000

Never send funds to an address shown for illustration. Your actual receiving address is issued only inside your member dashboard after identity verification, and is unique to your specific payment. H2H will never ask you to send funds to an address received by email or text alone.

Key Terms

Things to know before you choose a method

•A payment counts as made only on final, irrevocable receipt of cleared funds or confirmed on-chain settlement — not on initiation (Article 15.2.1).
•The paying Party covers its own bank, processor, or network fees unless otherwise agreed in writing (Article 15.2.2).
•H2H may decline or delay a payment method to meet compliance or banking-partner requirements (Article 15.2.3).
•Neither Party owes a true-up for crypto price movement after a Conversion Rate is locked (Article 15.4.4).
•All amounts due under the Agreement remain denominated in the Reference Currency regardless of how they are paid (Article 15.4.1).
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