For an online business, accepting digital asset payments can mean choosing between payment links, invoices, and a checkout integrated through an API. I’m trying to understand what matters most when comparing these options: how customers start a payment, where funds are settled, and how the business tracks payment status. Can a company choose to receive funds directly in its own wallet, or does every payment first go through a platform balance? I’d also like to know whether fiat conversion is available for businesses that need bank settlement.