Circle Payments Network

CPN

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CPN
Stablecoin Payments

Global money movement. Powered by stablecoins.

Send and receive stablecoin payments with the speed and finality of onchain settlement, built on Circle’s full-stack platform.

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Benefits

Built for an always-on economy

Infrastructure that scales with your business, unlocking global stablecoin payments for your customers.

Become stablecoin-enabled

Send and receive money with near-instant stablecoin settlement across 180+ countries

Start with the full-stack

Circle provides USDC wallets, custody, minting, redemption, blockchain interoperability, and payment orchestration

Stay compliant

Travel Rule handling is built into the workflow, along with screening and monitoring for compliant payments

Every stablecoin payment flow, covered.

Send
Receive

Send

Reduce the cost and complexity of third-party payouts without sacrificing speed or compliance.

Merchant settlement

Settle with merchants in stablecoins instead of fiat, with 24/7 access to funds, even on weekends.

B2B payments

Enable customers to instantly pay suppliers and business counterparties across 180+ countries.

Marketplace and payroll

Pay creators, freelancers, and workers in hard-to-reach markets, even where local banking access is limited.

Receive

Accept one-time or recurring payments from customers, partners, and counterparties around the world.

Merchant acceptance

Help merchants accept stablecoin payments from customers worldwide.

Account funding

Let your customers instantly fund trading, investment, or banking accounts without wire delays or cutoff times.

Network settlement

Give partners, counterparties, and issuers the ability to settle operational flows in stablecoins.

Powered by CPN’s stablecoin payments infrastructure and network

Stablecoin Native

Send and receive stablecoins across 25+ blockchains without managing multiple wallets, rebalancing funds across chains, or maintaining native gas tokens.

Direct USDC Access

Mint and redeem efficiently at scale with on and off ramps supported by Circle’s global banking infrastructure.

Real-time notifications

Know when funds move so you can trigger fulfillment, account crediting, or other downstream actions.

Simplified reconciliation

Use payment intent data to tie each payment to a customer, invoice, or transaction.

On-Demand Liquidity

Draw USDC on demand, 24/7, to reduce prefunding needs and settle near-instantly before upstream fiat arrives.

Compliance-ready

Designed to align with local Travel Rule requirements and regulatory expectations across key jurisdictions.

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
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Make your payments stablecoin-enabled with CPN

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Resources

CPN Managed Payments is provided by Circle Internet Financial, LLC. Circle Internet Financial, LLC (NMLS #1201441) is a licensed provider of money transmission services. Circle Internet Financial, LLC is licensed as a Money Transmitter and to engage in Virtual Currency Business Activity by the New York State Department of Financial Services. A full list of Circle’s licenses can be found here.

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.

USDC is issued by regulated affiliates of Circle. See Circle’s list of regulatory authorizations.