Applicable Scenarios
Use this method when you need to:- transfer funds to another StablePay merchant account
- execute internal payments between partners, suppliers, or merchants within the StablePay network
- complete fund transfers through a more lightweight method than external wallet payouts
- create a pending claim payout for an unregistered email first, then have the recipient register and claim subsequently
Recipient Identifier Types
This payout path supports two types of recipient identifiers:- recipient email address
- 8-digit StablePay Account No.
How It Works
Registered Recipients
- The sender selects the source account in the Merchant Portal.
- The sender enters the recipient email or Account No.
- StablePay verifies whether the recipient can receive funds in the same currency.
- The sender confirms the payout and completes security verification.
- StablePay completes the internal transfer and marks the payout as completed.
Unregistered Email Recipients
- The sender enters an email address that has not yet been registered.
- StablePay creates a pending claim payout and freezes the sender’s funds.
- The recipient receives a claim entry point via email.
- The sender must separately share the claim code outside of the email.
- The recipient completes email verification, registration or login, and claim code verification.
- Upon successful claim, funds enter the recipient’s StablePay Account and the payout is completed.
Key Capabilities
| Capability | Description |
|---|---|
| Email recipient support | Pay to registered emails or create pending claim payouts for unregistered emails. |
| 8-digit Account No. transfer | Directly initiate internal transfers to existing StablePay Account No.s. |
| Internal transfer path | Registered recipients do not need to select a blockchain network. |
| Same-currency constraint | Source account currency must match the recipient account currency. |
| Pending claim workflow | When the recipient is not yet registered, funds can be frozen first and claimed later. |
| Claim code protection | The claim link is only an entry point; the claim code must be shared separately to reduce the risk of erroneous claims. |
| Backend confirmation and security verification | Senders can review information in the Portal before submission and complete sensitive operation verification. |
Important Rules
- Payout currency is determined by the source account.
- Each StablePay Account corresponds to only one account currency, such as USDT or USDC.
- When transferring via Account No., the recipient must already exist.
- Unregistered recipients can only be invited via email; creating invitations via Account No. is not supported.
- Internal transfers to registered recipients are designed not to involve blockchain network fees.
- Pending claim payouts have an expiration period and may expire or be cancelled before claiming.
- Specific availability depends on merchant approval status, account configuration, and rollout progress.