When you pay with Openbucks, you are buying a xat certificate worth the given value. They are treated like cash.
How the funds end up with xat is a more in-depth answer, however a cursory search online should provide you with this information.
Your topic was moved out of General Discussion because it was determined that it cannot lead to any productive discussion. Since this is a xat-related question or concern, it was sent to General Support (the more appropriate forum). Questions that have been adequately addressed are closed (in this forum) => it's still going to be locked.
Hopefully this is all clear.
Since this has been resolved, I will now mark an appropriate response and close the thread.
If you have any further inquiries, feel free to use the following link:
https://forum.xat.com/forum/4-general-support/?do=add