Applicable Scenarios
Use this when you need to:- distribute stablecoins to employees, creators, channel partners, or contractors
- settle payments with suppliers or partners to external wallets
- complete one-to-many distributions via batch payouts
- manage recipient addresses, networks, and payout operations in the Merchant Portal
How It Works
- The merchant holds sufficient USDT or USDC balance before creating a payout.
- The merchant creates or imports beneficiary information, including address, network, and Memo / Destination Tag where required.
- The merchant creates a single payout or uploads a batch payout via CSV.
- StablePay freezes the required payout amount and begins execution preparation.
- StablePay prepares the distribution path, including handling wallet fund allocation and gas scheduling where necessary.
- StablePay broadcasts the payout transaction and updates batch or item-level results.
- Successful payouts are settled; failed items are released back to the merchant balance based on execution results.
Core Capabilities
| Capability | Description |
|---|---|
| Beneficiary Management | Save and manage frequently used recipient wallet information for repeated payouts. |
| Single and Batch Payouts | Support for single creation and CSV-based batch distribution. |
| Multi-Network Wallet Support | Distribute stablecoins to external addresses across supported networks. |
| Memo / Destination Tag Support | Support for recipient addresses requiring additional identifiers, such as centralized exchanges. |
| Merchant Portal Operations | Manage payout creation, review, and result tracking in the Merchant Portal. |
| Risk Control and Compliance Verification | Beneficiary information and payout processes remain subject to platform risk control and compliance rules. |
| Failed Item Release | In batch scenarios, failed items can be released back to balance based on results, rather than treating the entire batch as successful. |
Funds and Balance Rules
- Merchants must hold sufficient stablecoin balance before initiating payouts.
- If funds originate from fiat currency, merchants should first complete supported deposit and conversion processes before initiating distribution with stablecoins.
- Payout capabilities, fee rates, and operational limits may vary based on merchant configuration and rollout stage.
Important Notes
- This capability is for outbound payments to external wallet addresses and is not applicable to customer-facing payment acceptance scenarios.
- Exchange or custodial wallet addresses may require Memo / Destination Tag entry.
- Batch payouts may result in partial success and partial failure; final results should be verified against the payout result view.
- Fee rates, gas handling methods, and execution timelines may vary by network and merchant configuration.
- Specific availability depends on merchant approval status, account configuration, and current rollout progress.