Contractors & construction
Get paid faster. Pay subs and suppliers for less.
Construction runs on thin margins and slow money. Stablecoins like USDC can cut the wait on checks and the cost of wires, without changing how you bid, bill or build.
Getting paid faster
Send an invoice with a USDC payment link. When your customer pays, funds settle in your Coinbase Business account in seconds, any day of the week, and can convert automatically to dollars in your bank.
- No waiting on checks in the mail or deposit holds
- Payments are final, with no card chargebacks
- Each payment ties back to the invoice for your bookkeeper
- Keep checks and ACH for customers who prefer them
Paying subs and suppliers
Pay subcontractors and suppliers in USDC on Base, including after hours and on weekends, typically for a few cents in network fees instead of wire fees.
- Approval rules so the right person signs off
- Spending limits and a written payment policy
- Small test payments before you send anything large
- Records your CPA can reconcile
A typical job, start to finish
- 1
Invoice
Send your progress bill with a USDC payment link alongside your usual payment options.
- 2
Get paid
The customer pays; funds land in your account in seconds.
- 3
Pay your people
Pay subs and suppliers in USDC, or convert to dollars for payroll.
- 4
Reconcile
Transactions flow into QuickBooks or Xero with a clean audit trail.
Contractor questions
Will my customers know how to pay in USDC?
Many won't at first, and that's fine. USDC is an option alongside checks and ACH. Customers who already use it can pay from any compatible wallet, and on Base they typically don't need extra tokens to cover network fees.
Can my subs get paid in dollars?
Yes. A sub with their own Coinbase account (or similar) can receive USDC and convert it to dollars in their bank. We'll help you set up a simple process for subs who want it.
What about lien waivers and pay apps?
Your paperwork doesn't change. USDC is just the payment rail. We'll make sure each payment carries a reference you can tie to the invoice, pay app or waiver.
What does it cost to send a payment on Base?
Network fees on Base are usually a few cents or less, though they vary. Platform conversion fees are separate and shown in your account.
See if it fits your company
A free 30-minute call to look at your receivables, payables and supplier payments. Most contractors start with the Starter or Treasury Setup.