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For payroll and contractor platforms
Stables lets payroll and contractor platforms fund payouts in USDt and pay individuals in local currency, to bank accounts, UPI IDs and mobile money wallets in many of its 26 payout currencies. Each payout is quoted first, and every payee is verified.
Reach bank accounts, UPI IDs, PayNow IDs and mobile money wallets on local rails.
Create a quote and a transfer for each payee, and follow every payout to completion by webhook.
KYC for each individual you pay, with sanctions screening on every payout.
The rate and fees are fixed before you send, so each person receives the amount you quoted.
How it works
A quote returns the exact route, FX rate, and itemised fees up front, and is valid for 30 seconds. Create the transfer against it, with no surprises at settlement.
# 1: lock a quote (crypto → fiat, valid 30s) POST /api/v1/quotes { "customerId":"cus_8fK2", "fromCurrency":"USDT", "fromAmount":"5000", "fromNetwork":"ethereum", "toCurrency":"PHP", "toCountry":"PH", "paymentMethodType":"LOCAL" } # → { "id":"qt_92", "rate":"56.82", "toAmount":"284100", "expiresAt":… } # 2: execute the transfer against the quote POST /api/v1/transfer { "customerId":"cus_8fK2", "quoteId":"qt_92", "accountHolderName":"Maria Santos", "bankName":"BDO", "bankCountry":"PH" }
FAQ
Not every one. Many corridors pay individuals on local rails, while some, such as CNY and HKD, are for business customers only. The supported currencies page in the docs lists each corridor.
In local currency, to a bank account or, where supported, a UPI ID, PayNow ID or mobile money wallet. They never need to hold crypto.
A payout can enter a compliance hold. You are notified by webhook, and it resumes or is resolved based on the outcome.
Pricing depends on your business, volumes and corridors. Book a demo and the team will put together a quote.
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