What sets Circle Payments Network (CPN) apart is its capacity to address tangible needs across the global economy. Learn how CPN unlocks global money movement.
The future of money movement is fast, programmable, and borderless. Yet the bulk of today’s cross-border payment flows remain constrained by legacy rails, costly intermediaries, and limited access. With the Circle Payments Network (CPN), we are building the infrastructure to expand stablecoin payments for mainstream use cases, with compliance and interoperability at the forefront.
Beyond its technology and governance innovations, what sets CPN apart is its ability to address tangible regional regulatory and monetary needs across the global economy. From corporate treasuries to fintech platforms, from emerging markets to capital markets, CPN can unlock powerful new use cases for digital dollars and euros.
A Unified Network for Global Stablecoin Payments
CPN enables financial institutions to conduct real-time, cross-border transactions using stablecoins like USDC and EURC. With programmable infrastructure, multichain support, and built-in compliance, the network delivers a powerful platform for a wide array of financial services. Here are some of the most compelling use cases:
1. Supplier Payments
Traditional business-to-business (B2B) payments across borders are fraught with inefficiencies: variable FX rates, opaque settlement timelines, and multiple intermediaries. CPN enables institutions that participate to help their business customers pay international suppliers in stablecoins, offering near-instant settlement and greater capital efficiency. This not only improves cash flow management but also strengthens supplier relationships across emerging and frontier markets.
2. Global Payroll and Contractor Payouts
The rise of remote work has made it imperative for companies to pay globally distributed teams efficiently. CPN allows businesses to use stablecoins for payroll and contractor payments, eliminating delays caused by traditional wire transfers or local banking constraints. Workers benefit from faster access to funds, while companies gain greater control over disbursement operations.
3. Remittances
Remittances remain a lifeline for vulnerable populations around the world, yet fees average more than 6% globally. CPN offers a compliant alternative to traditional remittance corridors that can bring down some of these costs. Institutions can offer remittance services with faster settlement, transparent exchange rates, and less overhead, helping to drive financial inclusion and consumer trust.
4. Treasury and Liquidity Management
Corporate treasurers often face challenges moving funds across entities, jurisdictions, and currencies. With CPN, businesses can manage intercompany transfers and optimize capital across borders in a programmable, secure, and scalable way.
Powering the Programmable Financial Future
Each of these use cases underscores a central idea: the programmable internet of money is here, and CPN is one of its core building blocks. By enabling stablecoin-based settlement at the institutional layer, CPN delivers a secure, compliant network that is also efficient, flexible, and accessible.
The Future of Money Movement is Now
Circle continues to collaborate with leading financial institutions to expand the reach and capabilities of the Circle Payments Network. As adoption grows, CPN can power commerce, inclusion, and innovation on a global scale.
See an overview of our mainnet launch announcement from May 21, and get in touch with us if you would like to become a partner.
Circle Technology Services, LLC (CTS) is the operator of Circle Payments Network (CPN) and offers products and services to financial institutions that participate in CPN to facilitate their CPN access and integration. CPN connects participating financial institutions around the world, with CTS serving as the technology service provider to participating financial institutions. While CTS does not hold funds or manage accounts on behalf of customers, we enable the global ecosystem of participating financial institutions to connect directly with each other, communicate securely, and settle directly with each other. CTS is not a party to transactions between participating financial institutions facilitated by CPN who use CPN to execute transactions at their owUse of CPN is subject to the CPN Rules and the CPN Participation Agreement between CTS and a participating financial institution.
.jpg)