Your factory in Guangdong sent a proforma and wants a 30% deposit before it starts production. You hold USDT. Before anyone talks about rates, find out what the factory needs to see at its end: USDT in a wallet, or yuan in its company bank account. Many Chinese manufacturers want the second, and the answer changes every step that follows.

Put the answer, the beneficiary and the invoice number in one written instruction that your buyer, the supplier and your accountant all use. Three versions of the bank details scattered across chat threads is how a deposit ends up in the wrong account.

This article is general information. It is not financial, legal or tax advice.

Wallet payment or a CNY bank payout

If the supplier accepts USDT, you send it to their wallet. Ask them to confirm the token, the network, the address and how they will apply the transfer to the invoice. Do not assume the address works on every network or that it belongs to the company on the invoice.

If the supplier wants yuan, your USDT funds a bank payout. You pay a provider, and the provider pays the factory's bank account in CNY. These are two separate transfers. A transaction hash shows that your USDT moved; it says nothing about whether the factory's account was credited.

Ask the supplier in plain words: "Will you accept USDT, or do you need CNY credited to this bank account?" Write the answer into the purchase record before you ask anyone for payment instructions.

Prepare company documents and order documents

Expect two separate sets of paperwork. The first proves who your company is. At A2vanta the first step asks for the registration certificate, an extract listing directors and shareholders, the tax ID, one director's passport and a short description of the business. We review them the same day.

The second set explains this particular purchase: the contract, the invoice, the purchase order if you have one and a line on what you are buying. Check that your company name and the supplier's name match across all of them. Chinese company names often appear in several transliterations, so flag the difference to your provider before it stalls the payment.

Check the beneficiary before you approve the order

Get the supplier's bank instructions in writing, including:

  • the full account name, with the Chinese name where the bank uses it;
  • the account number, bank and branch;
  • the invoice number and payment purpose.

Compare the account name with the company on the contract. If the supplier asks you to pay a salesperson, a trading agent or a sister company, stop and ask for a written reason and proof that they can receive money for the factory. "We always use this account" is not proof.

A new account number in an email thread means a new check. Confirm it by phone or on a channel you have used with this supplier before. If you buy from several factories, keep a separate record for each one and have a colleague compare the final instruction with the approved invoice before anyone pays.

Ask the factory what its deadline means: funds sent, or funds credited. Ask whether a payment reference is enough to hold your production slot, and whether the proforma price expires. Write the answers down.

Read the quote line by line

Before you accept a quote, check the USDT amount you will fund, the CNY amount the supplier will receive and every fee on the route. Ask whether the receiving bank or an intermediary bank can deduct anything, and who covers the gap if the credited amount comes in short.

A2vanta quotes the market rate at the moment you request the payment. You see the rate, the exact yuan amount and our fee before you confirm, and the quote stays fixed for a set time. Once we approve the documents, the supplier receives the money within one to two business days. One order can be up to 100,000 USDT.

For a deposit, state on the instruction which part of the invoice it covers and what remains due.

Fund only after the instructions match

Before you send USDT, compare the destination address, the network and the amount with the confirmed quote. Keep a note of who approved the payment and why.

Nobody needs your seed phrase or password as payment evidence. If someone changes the destination or asks for an extra transfer at the last minute, stop and call the supplier.

Keep proof of both legs

Build a payment folder that a colleague could follow without reading your chats:

  1. the contract, invoice and approved beneficiary instruction;
  2. the accepted quote;
  3. the USDT transaction hash, network, amount and time;
  4. the bank payout confirmation with its reference;
  5. the supplier's confirmation of the CNY amount received and the invoice it settles.

Ask before funding which bank document you will receive. The hash covers the crypto leg and the bank confirmation covers the payout, and your accountant needs both.

If a payout is late or rejected, ask in writing for its current stage, the reason and the next step. Wait for the answer before you send a second payment, or you may fund the same invoice twice.

Ask before you send funds

Read the invoice payment page or message the A2vanta bot with the supplier's city, the invoice currency and the amount. We will tell you whether the route fits and which documents to prepare.