CPN
fiat Payments

Global fiat payments. Powered by stablecoins.

Send fiat to local bank accounts in 180+ countries worldwide at stablecoin speed, through a single integration.

UI screens showing fiat payments and an order summary
Benefits

Payout around the world. Without building the rails.

Expand into hard to reach markets

Tap into a stablecoin-native network that extends fiat reach into regions underserved by traditional rails, with local fiat payouts in 50+ countries and USD payouts in 180+ countries.

Unlock trapped capital

Eliminate prefunding and local NOSTRO accounts. Near-instant stablecoin settlement means capital stays available for growth instead of sitting idle in destination market float.

Reduce operational overhead

Replace country-by-country compliance, bilateral agreements, and per-corridor integrations with one agreement, one global framework, and one API.

Move money where the opportunities are

The corridors your customers need you in are open. Run every major cross-border flow with one stablecoin-native network.

Global business payments

Deliver large-value B2B payments across Asia and major trade hubs with near-instant settlement.

Cross-border remittances

Send fast, cost-effective remittances with reliable local fiat delivery across key corridors.

Fiat off-ramps

Enable global customers to convert digital assets into fiat with direct bank account payouts.

Powered by CPN's stablecoin payments infrastructure and network

One-to-many integration

Use a single API to unlock worldwide fiat payouts, instead of managing multiple tech stacks.

Unified onboarding

Simplify global payout setup through one onboarding and agreement workflow, reducing operational burden and removing the need for multiple bilaterals.

24/7 near-instant settlement

Settle transactions in seconds through stablecoin rails, reducing prefunding requirements.

Compliance-first architecture

Transact with confidence through a network with participants vetted for regulatory compliance and operational integrity.

Integrated liquidity

Access USDC directly from the issuer for the most cost effective way to fund payout flows.

Transparent pricing

Secure competitive quotes and lock rates to mitigate currency risk during payment execution.

A network of partners enabling local delivery at global scale

Our trusted global payout partners convert stablecoins to fiat for last-mile delivery so you don't have to do it yourself.

Alfred logoBCB Group logocoins.ph logod.local logoGeoswift logoLulu Financial Holdings logo
Alfred logoBCB Group logocoins.ph logod.local logoGeoswift logoLulu Financial Holdings logo
Alfred logoBCB Group logocoins.ph logod.local logoGeoswift logoLulu Financial Holdings logo
Image of Zach Walsh, Co-Founder and CEO, HIFI

CPN makes it possible for us to reach new corridors faster because the rails and partners are already there.”

Zach Walsh
Co-Founder and CEO, HIFI

Your flexible options across the CPN suite

Self-Managed Payments

Composable infrastructure to embed and orchestrate fiat and stablecoin payments directly within your stack.

Fiat Payments
Stablecoin Payments

Managed Payments

Access fully managed enterprise-grade stablecoin payments without digital asset exposure.

Managed Payments

Turn stablecoin speed into global fiat reach

Your next corridor is closer than you think.

Resources

Blog

Read the latest updates about Circle Payments Network.

Documentation

Explore our technical docs and learn how to integrate.

Product demo

See how money moves with CPN Fiat Payouts.

Watch now

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 own risk. Use of CPN is subject to the CPN Rules and the CPN Participation Agreement between CTS and a participating financial institution.