"Crypto Revolution" for Business in Serbia: How to Legally Use Stablecoins for B2B Payments and Beat Inflation

Author: Bogdan Vujović, leading expert in legal regulation of digital assets. Specially for CRYPTOMAX.

The cryptocurrency market has grown from a speculative asset into a global financial force with a market capitalization of $4 trillion. 500 million people worldwide already own digital assets, and traditional banks, including Wall Street giants, are actively offering clients services for storage, staking, and trading.

For entrepreneurs in Serbia, this opens a unique "window of opportunity". What was previously available only to major players is now available to you. And whoever enters this market first will gain a decisive advantage.

But how exactly can a business use this tool? And, the main question — how to do it legally?

The Problem: Why Traditional Bank Transfers Are a "Brake" for Business

Global business still operates on 20th-century financial "rails". If you conduct international activities (IT outsourcing, export/import, work with freelancers), you face the same problems:

It's slow: An international SWIFT transfer takes 3-5 days.

It's expensive: Bank fees and double conversion "eat up" up to 5% of your contract amount.

It's risky: At any moment, a correspondent bank or compliance department can reject your transaction without clear explanations.

The Solution: Stablecoins — "SWIFT 2.0" on Blockchain

Stablecoins (USDT, USDC) were created precisely to solve these problems — digital money pegged to the value of fiat currencies such as USD or EUR.

Initially used by traders, they are now increasingly being used for B2B payments and money transfers.

The advantages of stablecoins compared to banks are obvious:

| Parameter | Traditional Bank (SWIFT) | Stablecoins | |-----------|-------------------------|-------------| | Speed | 2-5 days | 2-10 minutes | | Fees | 1% - 5% | Up to 1% | | Blocking Risk | High | Minimal | | Availability | Business days | 24/7/365 |

They are used by technology firms, importers, exporters, and freelancers for fast, cheap, and global settlements that bypass the banking system.

How Does It Look in Practice?

Let's consider two real examples for business in Serbia:

Example 1: Service Export (You Receive Money)

Your client from the USA sends you 100,000 USDT.

In 3 minutes, they are in your wallet

You legally convert them to dinars (RSD) through a licensed operator.

In a couple of minutes, dinars are in your bank account in Serbia.

Example 2: Goods Import (You Pay)

You buy 100,000 USDT for dinars from a licensed operator.

In 3 minutes, they are in your wallet.

You send them to your supplier in China.

In a couple of minutes, they are in their wallet.

The entire international settlement cycle takes less than 10 minutes instead of 5 days.

The Main Question: Is This Legal in Serbia?

Yes, absolutely.

Since 2020, Serbia has had a progressive Digital Assets Law. It creates a clear legal framework.

Key point: legally, this is formalized not as a "purchase-sale", but as an "exchange" (razmena). In your contracts and invoices, you still indicate the cost of services in RSD, EUR, or USD, but the payment obligation itself is settled by transferring digital assets.

More Than Payments: Cryptocurrency as Protection Against Inflation

Inflation is a silent thief that eats away not only your money but also your economic energy. You work for money, while someone else creates that money out of nothing.

The essence is to find an asset whose value grows faster than money depreciates.

This is why many companies worldwide are beginning to consider Bitcoin and Ethereum as treasury assets for protecting capital from inflation.

Bitcoin is the only asset in the world with a mathematically limited supply (21 million). Unlike real estate, it cannot be taken away or physically destroyed. Unlike gold, it can be easily transferred anywhere in the world in minutes. This makes it an excellent tool for preserving and transferring value across time and space.

Your Next Step: From Theory to Practice

Theory looks attractive, but in practice, many questions arise:

• How to choose a licensed operator in Serbia?
• How to properly complete KYC/AML for business?
• How to put received cryptocurrency on the company balance sheet?
• How to legally pay taxes on crypto operations?

This is exactly what CRYPTOMAX exists for. We act as your "Managed Crypto Gateway" and business integrator. We don't tie you to one solution but work with several leading licensed operators in Serbia to find the optimal and fully legal path for your specific task.

We take on all the complexity — from company registration and account opening to legal support and accounting — so you can focus on what matters.

Contact us for a free consultation and learn how to legally integrate cryptocurrency into your business today.