Automated Stablecoin Payouts via API: The Fintech Innovation of 2025

Globalization drives companies and platforms to work with people worldwide—employees, freelancers, and content creators. Traditional payment systems often struggle to keep up.

Fintech startups, freelance platforms, and CPA networks face challenges with mass payouts: delays, high fees, or lack of banking infrastructure. Bank transfers take days and require documentation, while some payment systems block accounts for suspicious activity.

Stablecoin payouts address these issues. An API automates mass transfers, making them fast, low-cost, and reliable.

From this article you’ll learn:

▪️ How crypto payments and API integration streamline financial processes; 

▪️ How mass cryptocurrency transfers work, who benefits, and associated risks.

Why SWIFT and PayPal Aren’t Always Ideal for Business

Building a global fintech product on traditional banking is complex and costly. A World Bank study shows that transferring $200 via traditional channels cost 6.2%–6.3% in 2023—well above the 3% target.

1️⃣ Challenges: SWIFT

Sending $200 to a freelancer in Vietnam passes through 2–3 correspondent banks. Each charges $15–30, and the transfer takes 3–5 banking days. For 1,000 payments, fees and delays become significant. 

2️⃣ Challenges: PayPal, Wise, and similar services

These services are faster but limited:

▪️ High currency conversion fees;

▪️ Restricted availability or limited features in some countries;

▪️ Closed compliance algorithms may freeze accounts during mass payouts.

Conclusion: for businesses paying contractors or affiliates daily, these restrictions slow operations and complicate payment management.

What is a Stablecoin Payment API and How Does it Work?

Given the limitations of traditional payment systems, a stablecoin payment API is a practical solution for businesses seeking to automate mass payouts. 

Unlike a simple send cryptocurrency button, a stablecoin payment API is a fully-fledged B2B tool designed for high-volume, automated payments. It is specifically built to eliminate manual transfers and streamline the payout process.

Stablecoins, such as USDT or USDC, are commonly used in this system. Their value is pegged 1:1 to the dollar, meaning the risk of exchange rate fluctuation is minimal. For example, if a business sends $100, the recipient gets $100 (minus a small network fee).

Practical applications:

1️⃣ Company salaries

A company integrates the stablecoin API with its fintech service to send monthly salaries to employees (whether a few or dozens). The system automates the entire payout process.

2️⃣ Platform payments

A platform or CPA network sends hundreds to thousands of payments to partners. This scenario involves mass transfers to users or partners, with varying frequencies.

3️⃣ User withdrawals

A user initiates a withdrawal request on a platform, and the platform sends the funds to the specified address via the API. This is common for digital platforms, gig workers, and bloggers.

In each of these scenarios, transactions are processed in 10–30 seconds. There’s no need for separate staff to manually copy addresses or amounts, ensuring efficiency and reducing errors.

API for Stablecoin Payouts and Mass Payments

Several business sectors benefit from crypto payouts as part of their processes:

💵 CPA networks and affiliate marketing

💵 Freelance platforms and the gig economy

💵 GameFi, SaaS, and referral programs

💵 Crypto projects and exchanges

How the stablecoin API improves business metrics:

Benefits of using an API with stablecoins: 

➡️ No manual confirmation needed: gas fees are automatically deducted in the transaction currency, saving time and effort;

➡️ Multiple network support: you can send payments from a fiat balance to multiple networks at once, eliminating the need for separate wallets for each;

➡️ Parallelized transactions: multiple threads allow bulk sender crypto to be sent in minutes or even seconds, drastically reducing processing time.

Balance Replenishment and Liquidity Management for Payouts

A key challenge for businesses using crypto payouts is managing liquidity and replenishing their operating balance. Various models address these challenges, each suited to different business needs.

1️⃣ Cryptocurrency replenishment 

This basic model is common in niche crypto projects. 

The company purchases stablecoins on an exchange → Transfers them to the service’s balance →  Payments are then made directly from this balance. 

For traditional businesses whose revenue is in fiat, this process introduces additional steps and currency risk during conversion.

2️⃣ Fiat replenishment with automatic crypto conversion 

A hybrid model offered by many services, including Volet.com, which is designed for mass-market businesses.

The company replenishes its fiat balance via bank transfers (SEPA, SWIFT) or payment systems → When initiating a payout, the service automatically converts the required fiat amount into stablecoins (USDT, USDC) at the internal rate and sends the payment to the recipient. 

This eliminates the need for businesses to purchase and store cryptocurrency manually.

Fiat replenishment still matters for business. According to Juniper Research, 79% of B2B transactions in 2024 will still use traditional channels. This makes the ability to replenish in fiat crucial for widespread adoption of crypto payments. It enables businesses to leverage blockchain technology without overhauling their existing financial systems.

Liquidity management via stablecoin API allows businesses to:

➡️ Check balances before initiating mass payouts to prevent failed transactions.

➡️ Set up low balance notifications to monitor liquidity levels.

➡️ Automatically top up balances when a minimum threshold is reached, through integration with exchanges or fiat gateways.

These features create an automated system, minimizing manual work. Full transition to crypto for all payments and payouts may be a future goal, but for now, hybrid solutions offering fiat input and crypto output remain the most practical and widely adopted option.

Custodial and Non-Custodial APIs

When choosing a provider, a key question for businesses is who will store the funds. There are two approaches.

1️⃣ Custodial API

This is an all-inclusive model. You register on a B2B service (e.g., BitPay, Fireblocks) → complete KYC/AML → top up your balance.

How it works: you send a command through the API → the service debits your balance within the system, but sends the transaction from its own wallet.

Pros: 

▪️ Simplicity: no need to worry about private keys, security, or gas. 

▪️ The service ensures its wallets always have TRX, ETH, or BNB to pay network fees.

Cons: 

▪️ The funds are held by the service, not you, creating counterparty risk. If the service crashes, is hacked, or blocked by regulators, you could lose your operating funds.

2️⃣ Non-Custodial API 

This is suitable for companies that want full control over their funds. The provider’s software connects to your personal wallet (e.g., multisig wallet via Fireblocks, Safe, or another tool).

How it works: the API initiates the transaction, but the signature is performed with your key. The provider simply offers a management interface.

Pros: 

▪️ Full control over funds;

▪️ The provider does not store or manage your assets;

▪️ No need to provide KYC/AML to the provider for transaction control.

Cons: 

▪️ Higher technical complexity: You are responsible for managing key security and network fees.

Risks

Sending cryptocurrency payout in bulk is convenient, but there are several risks to consider when integrating APIs.

1️⃣ Regulatory risk (AML/KYC)

The main risk is related to jurisdiction. In some countries, cryptocurrency payments between businesses and users are restricted or prohibited. 

If a company makes crypto payments where this is not allowed by law, it risks account blocking or administrative sanctions. It’s crucial to ensure that your business and recipients are in countries where cryptocurrency transfers are legal.

2️⃣ Custody risk

Storing your operating budget on a custodial service's balance sheet introduces risk. Hacks and exit scams are not uncommon in cryptocurrency. While bank deposits are typically insured by the state, USDT balances held on offshore payment systems are not protected.

3️⃣ Operational risk

Blockchain transactions are irreversible. For example, sending USDT on the ERC-20 network to a BEP-20 address can result in a permanent loss of funds. While the stablecoin payments API can help minimize errors by verifying addresses, human error at the recipient's end is always a possibility.

Checklist: How to Implement an API for a Stablecoin Payout Service in Your Business

1️⃣ Define your business goals and payout volume

— How many transactions per month/day will you process?

— What amounts will be paid out?

—  What are your critical fees and deadlines?

2️⃣ Select the API type

—  Custodial or non-custodial: choose based on control and security needs.

3️⃣ Check regulatory requirements

—  For custodial solutions: ensure the business is KYB (Know Your Business) and users are KYC (Know Your Customer) compliant.;

— For DeFi KYB is rare. Typically, you can just obtain an API key and send from your crypto wallet.

4️⃣ Select a provider and test the API

—  Connect to a test environment and run bulk sender crypto payout scenarios;

—  Check the callback/webhook with transaction IDs;

— Test different networks (Tron, BSC, Ethereum) and token protocols (TRC-20, BEP-20, ERC-20) to optimize speed and fees.

5️⃣ Automate processes within the platform

— Integrate the stablecoin API with the backend and internal payout triggers;

— Set up a dashboard for monitoring and reporting;

—  Minimize manual data entry and verification.

6️⃣ Ensure control and transparency

—  Maintain transaction logs, TxHash identifiers, and statuses;

—  Set up notifications and automatic reports for accounting and compliance;

—  Regularly reconcile balances and verify transaction success.

FAQ

What is a stablecoin API? 

A stablecoin payment API is a software interface that automates payouts in stable cryptocurrencies (e.g., USDT, USDC). Instead of manually processing each transaction, the system initiates multiple payouts at once via a direct connection to the company’s wallet or a custodial platform provider.

How do crypto payments work? 

Crypto payouts involve settlements using digital currencies. In B2B, these payments are typically automated through an API: a company sends a command, and the payment gateway transfers the required amount in stablecoins to the recipient’s wallet. The key advantages are faster global payments (seconds vs. 3-5 banking days) and lower fees.

What is the difficulty of API integration in fintech? 

The primary challenge in fintech API integration is ensuring security and managing liquidity. Businesses must choose between:

• Custodial solution: funds are stored with the provider, minimizing risk if the service is reliable.
• Non-custodial solution: the business has full control over keys and network fees.

Why do you need an API for stablecoin payments? 

The stablecoin API simplifies mass payouts in B2B. It’s ideal for businesses that process large numbers of payments globally, as it reduces reliance on bank delays, high SWIFT fees, and geographic limitations.

How does a cryptocurrency payout differ from a regular one? 

1. A cryptocurrency payout is processed in seconds instead of days.
2. Fees are significantly lower than bank transfer fees.
3. Payments can be sent anywhere in the world without needing correspondent banks.

How do you organize a mass cryptocurrency transfer? 

Businesses integrate the stablecoin API from a B2B service into their backend. In the custodial model, they top up the balance, and the system automatically processes thousands of transactions with a single command or internal trigger, functioning as an efficient bulk sender crypto solution.