> ## Documentation Index
> Fetch the complete documentation index at: https://docs.epay123.net/llms.txt
> Use this file to discover all available pages before exploring further.

# VCC Terminal Merchants

**Target users**

* Cross-border e-commerce sellers needing overseas procurement
* Agencies/sellers requiring overseas ad spend

**Current collection issues**

* Manual collection: poor real-time experience, weak risk control
* Exchange API: limited currencies, manual USD conversion, extra fees

**ePay advantages**

* Built-in exchange for end-users to buy stablecoins
* Multi-chain, multi-currency acceptance (TRON, ETH, BSC, etc.)
* One-stop global withdrawal, T+1 to banks in USD/EUR/JPY etc.
* Support for corporate and personal bank withdrawals