OTC payment

OTC — "over the counter" — payment is a direct transaction that settles outside a centralized exchange order book. In crypto, that usually means a wallet-to-wallet transfer negotiated peer-to-peer, often via a Telegram desk, a specialized OTC venue, or an invoice system like Plisio.

OTC is used when:

• The transaction is large enough that placing it on an exchange would visibly move the price.
• The buyer prefers not to route through a KYC-heavy exchange.
• The timing needs to be exact — OTC settles in a single block rather than waiting for book matching.
• The counterparty wants a specific non-standard asset pair.

For everyday purchases like a growth package, an OTC-style invoice (generate a unique payment address, send the amount, confirm on-chain) achieves the same privacy properties with simpler UX. This is the pattern 1kreach uses through Plisio.