> For the complete documentation index, see [llms.txt](https://docs.bill-z.com/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.bill-z.com/payment-rails.md).

# payment rails

Billz Pro executes payments through regulated fiat rails and documents them for treasury workflows.

## SEPA (EUR)

SEPA is the standard EUR bank transfer rail used across supported jurisdictions.

### Typical characteristics

* recipient identified via **IBAN**
* bank cutoffs and holidays apply
* reference/memo handling may vary by downstream institutions

### Common Billz Pro uses (EUR)

* vendor invoices
* rent
* utilities
* recurring operational expenses

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## ACH (USD)

ACH is the standard US domestic bank transfer rail for USD payments.

### Typical characteristics

* recipient identified via routing + account details
* bank processing windows apply
* settlement often 1–3 business days (not guaranteed)

### Common Billz Pro uses (USD)

* US vendors
* operating expenses
* supported business payments

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## Why this matters for positioning

Billz Pro is not only converting crypto.\
It is an **execution layer** that bridges treasury operations into these rails with:

* structured payment intent,
* compliance checks,
* proof-oriented documentation.