A new standard for global money movement
Circle Payments Network (CPN) connects financial institutions to orchestrate global money movement — powered by stablecoins.
Partenaires


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Un réseau sans frontières1 ni retards
CPN enables fast, cost-effective, and compliant global payments.
24/7 near-instant settlement
Blockchain transactions can settle in seconds, so you can mitigate pre-funding and increase capital efficiency.
Compliance-first architecture
All CPN members are vetted for appropriate licensing, regulatory compliance, operational risk management, security, and more.
The world within reach
Onboard with a single tech stack that unlocks a global marketplace of payment providers without requiring bilateral agreements.
Découvrez le CPN
Un nouveau réseau mondial de paiements transparents et quasi instantanés grâce aux stablecoins.

Conseillers


By orchestrating stablecoin payments, Circle Payments Network enables payment providers to unlock new markets and new business models faster than ever before.”
Conçu pour les sociétés financières innovantes
Banques
Modernisez les règlements cross-border grâce aux stablecoins et effectuez des paiements en monnaie fiat 24 h/24, 7 j/7, sur un réseau conçu pour les institutions financières.
Prestataires de services de paiement
Offrez à vos clients des transferts quasi instantanés et transparents, et proposez de nouvelles solutions, sans intégrer des dizaines de partenaires locaux.
Prestataires de services sur actifs numériques
Étendez votre portée et simplifiez l’accès en vous connectant aux institutions du monde entier qui ont besoin de réseaux fiables et de règlements en temps réel.
Entreprises
Optimisez la gestion de la trésorerie, de la paie et des paiements aux fournisseurs à l’échelle mondiale, en réduisant les blocages de fonds de roulement et en obtenant une visibilité en temps réel grâce aux transferts alimentés par l’USDC sur Internet.
Alimenté par l’USDC, le plus grand stablecoin réglementé2 au monde
* CPN s’appuie sur les stablecoins fiables de Circle (l’USDC et l’EURC), ainsi que sur des stablecoins de paiement réglementés, pour fournir une plateforme conforme, conviviale et programmable pour les paiements sur Internet. Pour plus d’informations sur l’architecture de CPN et son fonctionnement, téléchargez notre livre blanc.

L’actualité du lancement
FAQ
Circle Payments Network (CPN) connects financial institutions globally to streamline cross-border payments, enabling 24/7 real-time settlement using stablecoins like USDC and EURC. It facilitates fast, compliant transactions — eliminating bilateral agreements and settlement delays that create friction in current cross-border payment flows.
CPN is designed for banks, neobanks, payment service providers (PSPs), remittance businesses, and virtual asset service providers (VASPs) seeking a faster, more efficient way to coordinate money movement worldwide — particularly in emerging markets.
CPN connects financial institutions for cross-border money movement using stablecoins. The Originating Financial Institution (OFI) collects funds from the sender in local currency, converts them to stablecoins, and sends them to the Beneficiary Financial Institution (BFI), which pays out the receiver in their currency. CPN matches, smart routes, and facilitates compliance and stablecoin settlement between institutions.
CPN is operated by Circle Technology Services, LLC (CTS), an affiliate of Circle, the global leader in regulated stablecoins, fostering compliance, security, and transparency. Only eligible members can transact on the network, adhering to stringent licensing, financial crimes compliance, security, financial and operational requirements.
To support the development of CPN with high standards of trust and operational integrity, Circle is working closely with leading global banking institutions that contribute deep expertise in payments and regulatory infrastructure.
No, CPN isn’t a money transmitter and doesn’t move funds directly. Instead, it serves as a marketplace for financial institutions to facilitate global money movement.
Circle acts as the governing and standard-setting body for CPN and serves as the network operator. In such capacity, Circle isn’t a money transmitter and doesn’t move funds directly. Here’s what that means:
- Définition des règles : Circle établit les Règles du Circle Payments Network (Règles du CPN), qui déterminent les conditions de participation et le fonctionnement du réseau, et assure sa gestion.
- Defining the protocol: Circle defines the CPN protocol and provides developer APIs, helping financial institutions connect easily and securely within the network.
Built on open, public blockchain infrastructure, CPN provides a powerful foundation for developers to build onchain applications that use these networks to move money seamlessly.
CPN is chain-agnostic and built for multichain flexibility. At launch, CPN is live on Ethereum, Solana, and all EVM-compatible chains. Each financial institution selects the blockchain(s) they operate on, based on their internal risk, compliance, operational, and security requirements. Circle works closely with members to support their chosen chain and facilitate smooth integration.
While the network is currency-agnostic, USDC and EURC will be used for settlement at launch. Additional regulated stablecoins may be enabled post-launch. Fiat currencies are managed by OFIs and BFIs, so CPN supports any fiat currency they operate in.
Only financial institutions that meet CPN’s eligibility requirements can join and transact. Eligibility reviews are tailored to each jurisdiction’s regulatory oversight. Additionally, CPN includes built-in features to enhance compliance and risk transparency:
- Travel Rule: Enforced in accordance with FATF guidelines.
- Règles opérationnelles : le Trust Engine du CPN permet aux membres du réseau de définir et d’appliquer des critères personnalisés pour les transactions et les contreparties, en fonction de leur appétence au risque, de leurs politiques et de leurs obligations réglementaires.
- Member Operational Support: CPN provides well-defined operational guidelines, including service-level agreements (SLAs) as defined in the CPN Rules, that include expectations for uptime, transaction speed, dispute resolution, and timely information sharing.
Transactions processed through CPN incur three primary fees to OFIs: Payout Fees, which compensate BFIs for local fiat disbursement and processing; FX Spreads, reflecting liquidity risk and conversion costs; and CPN Network Fee — a variable basis-point charge, tiered by country group — to support core network functions including compliance, security, infrastructure, and development.
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.
- Subject to applicable laws and regulations. Service not available in sanctioned countries.
- L’USDC est émis par des entités réglementées de Circle. Cliquez ici pour consulter la liste des autorisations réglementaires de Circle.
- All-time volume represents the total amount of USDC on-chain activity that took place between September 2018 and Apr 6, 2025 8:00 PM. This represents EVM token transfer volume on native and canonically bridged USDC on the following chains: Arbitrum, Avalanche, Base, Binance, Ethereum, Fantom, Linea, Mantle, OP Mainnet, Polygon PoS, ZKSync.
- January 1, 2024–January 1, 2025. CoinMarketCap. Retrieved from: https://coinmarketcap.com/currencies/usd-coin/.