> For the complete documentation index, see [llms.txt](https://pingbusiness.gitbook.io/pingbusiness/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://pingbusiness.gitbook.io/pingbusiness/use-case/by-persona/digital-merchant.md). # Digital Merchant You're running an established business and want lower fees, faster settlement, and cleaner reconciliation. USDC settlement also acts as a hedge against local currency volatility - instead of holding revenue in a currency that's losing value, you settle into a stable store of value. Tax, VAT, and chargeback admin move off your plate. **This is you if you're:** * An agency or studio billing international clients and tired of losing margin to FX and wire fees * A course platform or cohort-based business with students paying from a dozen different countries * A SaaS company with a meaningful share of customers in markets where local currency has been sliding * A team that's outgrown manually reconciling payouts across two or three different processors At this size, the fee percentage matters less than the hours your team spends on tax filings, chargeback paperwork, and multi-currency bookkeeping - that's the overhead PingBusiness is built to remove. --- # Agent Instructions This documentation is published with GitBook. GitBook is the documentation platform designed so that both humans and AI agents can read, navigate, and reason over technical content effectively. Learn more at gitbook.com. ## Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter, and the optional `goal` query parameter: ``` GET https://pingbusiness.gitbook.io/pingbusiness/use-case/by-persona/digital-merchant.md?ask=&goal= ``` `ask` is the immediate question: it should be specific, self-contained, and written in natural language. `goal` is optional and describes the broader end goal you are ultimately trying to accomplish on behalf of the user. GitBook uses it to tailor the answer towards what is most useful for that goal. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.