50+
Networks
50+ networks including Ethereum, Tron, Solana, Base, BNB Chain, Polygon and Arbitrum. Operators enable networks per merchant and asset, so a business receives only on the chains it reconciles.
EthereumTronSolanaBase
STABLECOIN PAYMENTS & TREASURY
Stablecoin Payment and Treasury Infrastructure, Deployed Under Your Brand
Stablecoin Payments & Treasury Infrastructure lets businesses accept stablecoins, settle merchants, run global payouts, and manage multi-wallet treasury with sweeping, rebalancing, and reporting. This is the rails layer — accept, settle, pay out, hold and report — and it runs 24/7, because the networks underneath it do.
- Accept stablecoinsHosted checkout, payment links, invoices, direct wallet transfers and a payment API — USDT, USDC and the other stablecoins you choose to switch on.
- Settle merchantsCredit merchant balances the moment a payment is final, apply your fee and split rules, and release on the settlement schedule you set per merchant.
- Run global payoutsBatched, multi-chain payouts to recipient wallets in 180+ countries, with address screening and an approval quorum before anything leaves a wallet.
- Hold treasury deliberatelyHot, warm and cold wallets with sweep rules, rebalance targets and a reserve floor — so working balances stay small and reserves stay untouched.
50+Networks supported
180+Countries reachable
24/7Acceptance and payout
PAYMENT FLOW
Accept. Confirm. Settle. Pay Out.
The full money path a stablecoin payment takes on your platform — from the moment a payer opens checkout to the moment a supplier is paid on the other side of the world.
1
ACCEPT
The payer picks a stablecoin and network from the ones you enabled and pays through hosted checkout, a payment link, an invoice, a wallet transfer or your own interface. Amount and rate lock for the quote window.
2
CONFIRM
The platform watches the chain for the expected transfer, checks network and asset against the quote, screens the sending address, applies your fee and marks the payment final at your confirmation depth.
3
SETTLE
The merchant or sub-account is credited in the settlement asset you agreed, split rules distribute revenue, and the balance releases on that merchant’s schedule. Collected funds sweep to treasury on your rules.
4
PAY OUT
Payouts leave as batches to recipient wallets, after address screening and an approval quorum. Where a recipient needs local currency, the payout hands off to integrated licensed payment providers.
One Flow From Checkout to Payout
Every stage below is a real subsystem in the deployment, not a conceptual step: acceptance, confirmation, settlement and payout each have their own controls, and reconciliation runs across all four.
COVERAGE
Take Payment in What Your Customers Actually Hold
Stablecoin rails only pay off when the payer's asset, the payer's chain and the recipient's destination are all supported — so coverage is configured per merchant, not fixed by us.
Major
Stablecoins
USDT, USDC, EURC and further operator-approved stablecoins, each with its own confirmation depth, fee treatment and settlement asset. Merchants take what they collected, or one settlement asset.
USDTUSDCEURC
180+
Countries
Payouts reach recipients in 180+ countries because a wallet address has no banking geography. Where local currency is required, the payout hands off to integrated licensed payment providers.
Global payoutsLocal currency handoff
How Your Treasury Is Actually Held
Balances are not one pooled address. Accounts, wallets, sweep rules, rebalance targets and reserve policy are separate objects with explicit relationships — which is what makes a payout limit, a reserve floor or a month-end statement possible at all.
TREASURY CONSOLEBook a Demo
See Every Balance, Control Every Movement
One console for the finance team: what you hold, where you hold it, what is committed to pending payouts, and what is waiting on a second signature before it moves.
Balances by currency and walletAvailable and pending amounts per asset, network and wallet, with each wallet tier and its share of total treasury on one screen.
Sweep rules you can readEach wallet shows the rule that governs it in plain terms — a threshold, a destination and a schedule — so nobody reverse-engineers it.
Reserve floor enforcedReserve policy sets a minimum balance and buffer per account. Payout batches and sweeps that would break the floor are blocked.
Approval quorums before value movesPayout batches, cold-storage sweeps, rebalance transfers and new payout addresses each need the approvals you configure.
Statements and exportsPer-account statements, per-merchant settlement reports and exports carrying the same reference from checkout through payout.
Screening before value movesSending and recipient addresses are screened as part of the flow, so a batch cannot be approved against an address the policy rejects.
Five Rails, One Deployment
Incumbent providers sell acceptance, payouts and treasury as separate products with separate integrations. The conclusion of the table below is simple: these five rails ship together, share one ledger and one set of controls, so a payment you accepted and a payout you sent reconcile against the same reference.
| # | Rail | What moves | Who it serves | Controls that apply |
|---|---|---|---|---|
| 1 | Stablecoin acceptanceCheckout, links, invoices, API | Inbound stablecoin transfersOn-chain, payer to your wallet | Merchants, marketplaces, platformsAnyone billing a customer | Address screening, amount and rate lockConfirmation depth per network |
| 2 | Merchant settlementBalance credits and releases | Internal ledger movementsNo chain transaction required | Merchants and sub-accounts on your platformSellers, partners, franchises | Fee and split rules, settlement scheduleConfigured per merchant |
| 3 | Global payoutsBatched outbound transfers | Outbound stablecoin transfersMulti-chain, to any wallet | Suppliers, contractors, sellers, usersRecipients in 180+ countries | Approval quorum, allowlists, batch limitsScreening before every send |
| 4 | Fiat handoffWhere local currency is required | Conversion and bank settlementExecuted by the provider, not by us | Recipients who need money in a bank accountRegional coverage varies | Routed to integrated licensed payment providersProviders carry the licensing |
| 5 | Treasury holdingsMulti-wallet, tiered | Movements between your own walletsSweeps and rebalance transfers | Your finance and treasury teamNot customer-facing | Reserve floor, tier limits, signing policyEvery movement logged |
Everything the Rails Layer Has to Do
Acceptance and payouts are the visible half. The half that decides whether finance trusts the platform is the wallet structure, the reserve policy and the reconciliation trail underneath them.
ACCEPTANCE
Stablecoin acceptance across chains
Hosted checkout, payment links, invoices, wallet transfers and a payment API, all returning the same payment object. Quotes lock amount and rate, and underpayment and expiry are explicit outcomes.
- Per-merchant asset and network allowlists
- Signed webhooks on every state change
- Refunds against the original payment reference
SETTLEMENT
Merchant settlement and splits
Merchant, seller and sub-account balances credited on finality, with your fee schedule and revenue splits applied at credit time. Releases run instantly, daily or on a fixed cycle per merchant.
- Per-merchant fee and split rules
- Settle in the collected asset or one settlement asset
- Merchant-facing settlement reports
TREASURY
Multi-wallet treasury, sweeping and reserves
Collection, operating, payout-funding and reserve wallets tiered hot, warm and cold, each with its own signing policy. Sweep rules consolidate on thresholds; reserve policy sets a floor nothing may break.
- Hot, warm and cold tiers with per-tier limits
- Threshold and schedule-driven sweeps
- Reserve floor and buffer per account
APIS
Wallet and payment APIs
REST endpoints and signed webhooks for payments, settlements, payouts, wallets and statements, with idempotency keys, per-key scopes and an isolated test environment provisioned during integration.
- Idempotent payment and payout creation
- Scoped API keys and IP allowlists
- Isolated test environment before go-live
REPORTING
Reporting and reconciliation
One reference travels from checkout through confirmation, settlement, sweep and payout, so the on-chain transaction, the ledger entry and the accounting export all describe the same event.
- Per-account and per-merchant statements
- Transaction exports for accounting systems
- Immutable log of every approved movement
CONNECTED PRODUCT
Fiat on-ramp & off-ramp
Stablecoin payouts settle to wallets. When a recipient needs local currency, the payout hands off to the fiat ramp, which routes cards and bank transfers across licensed providers under your brand.
- Crypto-to-fiat off-ramp for payout recipients
- Fiat-to-crypto on-ramp for funding
- Provider routing and reconciliation
CONNECTED PRODUCT
Automate treasury operations
This page is the rails: accept, settle, pay out, hold, report. The operational layer that proposes rebalancing and routes it to approvers is a separate product built on these same wallets.
- Proposed actions with impact preview
- Approver routing and execution status
- Audit history across treasury actions
CONNECTED PRODUCT
AML/KYC compliance built in
Address screening, transaction monitoring and travel-rule data are part of the same platform, not a bolt-on. Actions are screened as they happen and cases land in the compliance console.
- Inbound and outbound address screening
- Operator-defined monitoring rules
- Case files and regulatory export
CONNECTED PRODUCT
Wallet & custody solutions
The wallets these rails move value between run on Coiny wallet infrastructure — custodial, MPC, non-custodial and multi-signature models with HSM-backed key handling.
- MPC, multi-sig and HSM controls
- Multi-tier hot, warm and cold storage
- Integrates with external custody providers
DOMAIN
Digital asset finance stack
Stablecoin payments and treasury are one layer of the digital asset finance stack, alongside wallets, cards, staking, fiat ramps and treasury automation.
- One deployment, one ledger, one brand
- Compare every finance product in the domain
OPERATOR QUESTIONS
The Questions Finance Teams Ask Before Approving Stablecoin Rails
- What happens if a payer sends the wrong amount or the wrong network?Both are explicit, handled outcomes rather than exceptions. Underpayments and overpayments are recorded against the original payment with the difference visible, and the operator decides per merchant whether to auto-credit, auto-refund or queue for review. Assets arriving on a network that was never enabled for that merchant are quarantined and surfaced for a manual decision.
- How do we stop a single compromised account draining treasury?No single account can move value. Payout batches, sweeps to cold storage, rebalance transfers and new payout addresses all require an approval quorum from the roles you nominate, and hot wallets hold only what payouts need because sweep rules keep pulling the rest into warm and cold tiers behind their own signing policy.
- Can we prove at month end that payments, settlements and payouts reconcile?One reference travels from checkout through confirmation, settlement, sweep and payout, so an on-chain transaction, an internal ledger entry and a line in the accounting export all describe the same event. Statements are produced per treasury account and per merchant, and the export is designed to be loaded rather than retyped.
- Do we have to hold everything in one asset?No. Treasury is held across the assets and networks you choose, and rebalance targets define the share each should hold with a tolerance band around it. Reserve policy sets a floor per account that sweeps and payout batches cannot break, so working balances and reserves are governed separately.
- Who carries the licensing when a recipient needs local currency?Coiny Exchange supplies the payment and treasury infrastructure; it is not a bank, a payment institution or a licensed custodian. Where a payout must arrive as local currency in a bank account, the conversion and bank settlement are executed by integrated licensed payment providers that hold the money-service licensing in that market.
BUILT FOR
Businesses That Move Money in Stablecoins and Have to Answer for It
The buyer is usually the person who owns both the payment experience and the balance sheet behind it.
Payment service providers and fintechs
Add stablecoin acceptance and payouts to an existing payment product without rebuilding settlement, keeping the merchant relationship.
Marketplaces and platforms with sellers to pay
Collect from buyers, split revenue at credit time, and pay sellers across borders in batches, with screening and approvals between.
Exchange operators adding payment rails
Turn an exchange deployment into a business that also accepts payment and pays out, on the same wallets and compliance console.
Treasury and finance teams holding digital assets
Replace a pooled address and a spreadsheet with tiered wallets, sweep rules, a reserve floor and statements that reconcile.
COMMON QUESTIONS
FAQ
Stablecoin payment infrastructure is the software layer a business uses to accept stablecoin payments, credit and settle the merchants or users behind them, send stablecoin payouts, and hold the resulting balances in a controlled set of wallets. Coiny Exchange deploys that layer under your brand: checkout and payment APIs on the inbound side, settlement and payout engines on the outbound side, and a multi-wallet treasury with reporting in between.
A merchant settles in stablecoins when the payment platform confirms the inbound transfer on-chain, credits the merchant's balance in the agreed stablecoin, applies the platform's fee and split rules, and releases the balance on a settlement schedule. In Coiny Exchange deployments the operator sets that schedule per merchant — instant, daily or on a fixed cycle — and every credit, fee and release carries the same reference through to the accounting export.
A business running Coiny Exchange payment rails accepts the stablecoins and networks its operator enables, including USDT, USDC and EURC across widely used chains such as Ethereum, Tron, Solana, Base, BNB Chain, Polygon and Arbitrum. The platform supports 50+ networks in total. Each asset and network pair is switched on or off per merchant, so a payer sees only the routes that business actually wants to receive.
Cross-border stablecoin payouts work by sending value directly to a recipient's wallet address on a public network, which settles in minutes at any hour rather than waiting for correspondent banking hours. Coiny Exchange payout rails batch those transfers, screen destination addresses, require an approval quorum before anything leaves a funding wallet, and hand off to integrated licensed payment providers where a recipient needs local currency in a bank account.
Multi-wallet treasury management is the practice of holding business balances across several purpose-built wallets — collection, operating, payout funding and reserve — instead of one pooled address, so exposure, access and approval rules can differ per wallet. Coiny Exchange treasury infrastructure gives each wallet a tier of hot, warm or cold, its own signing policy, and a live view of available and pending balances by asset and network.
Sweeping moves funds out of collection wallets into an operating or reserve wallet once a balance passes a threshold or a schedule fires, keeping working balances small and reserves consolidated. Rebalancing moves value between assets or networks until each holding sits inside its target share and tolerance band. In Coiny Exchange deployments both are rule-driven, both respect the reserve floor, and both leave a signed record for the finance team.
Compliance on stablecoin payment rails works through address screening on every inbound and outbound transfer, transaction monitoring against operator-defined rules, travel-rule data where the jurisdiction requires it, and role-based approval before funds move. Coiny Exchange ships this with AML/KYC compliance built in from the same platform, so payment, payout and treasury actions are screened and logged rather than checked in a separate system afterwards.
LAUNCH THE RAILS
See Stablecoin Payments and Treasury Running End to End
Walk through a live deployment — checkout to confirmation, merchant settlement and splits, a batched global payout with its approval quorum, and the treasury console with sweep rules, reserve floor and statements.
Book a Demo