# Global Payins in Stablecoins

## Receive tokenized USD payments globally into self-custodian wallets linked to your Cobre Balance

Global Payins in Stablecoins enable businesses to receive **stablecoins (tokenized USD)** from external senders into a wallet linked to their Cobre Balance, across supported blockchain networks. Every incoming deposit is automatically screened for compliance before being credited, giving businesses a compliant way to collect international payments without depending on traditional banking rails.
**This feature is enabled via API and Portal**, and is especially relevant for platforms that need to collect stablecoin payments from a global, crypto-native customer base.

---

## 1. What Cobre Enables with Global Payins in Stablecoins

With Global Payins in Stablecoins, Cobre enables businesses to:

* Receive **stablecoins** into a self-custodian wallet linked to a **Cobre Balance** (Global fiat or Stable)
* Support multiple blockchain networks (chains) for the receiving wallet
* Automatically **screen every incoming deposit** for compliance before crediting funds
* Consolidate funds received across different networks into a single balance
* Operate global payins using the same conceptual primitives as other Cobre flows:

  * Account References (wallets)
  * Transactions
  * Status tracking
* Segregate incoming funds into dedicated wallets by entity or use case when traceability requires it

---

## 2. Global Payins in Stablecoins in the Cobre Model

This capability fits into Cobre's ecosystem as a **global collection rail** that uses stablecoins as the funding layer:

* **Cobre Balance (Global fiat or Stable)** acts as the **destination of funds** for incoming stablecoin payins
* **Account References** represent the self-custodian wallets that receive incoming stablecoins on behalf of the client
* **Transactions** reflect the credited amount once a deposit clears compliance screening, and preserve chain and token details for reconciliation

In practical terms, stablecoin payins extend Cobre's collection model to wallets, while preserving the same approach to compliance, controls, and operational visibility used across the platform.

---

## 3. Key Capabilities / Options

Global Payins in Stablecoins are driven by three core dimensions: **wallet type**, **compliance screening**, and **chain/token compatibility**.

### 3.1 Wallet Types (How you receive)

Cobre supports three self-custodian wallet types depending on the destination network:

* **evm_compatible** — a single wallet address that covers both Ethereum and Polygon
* **tron** — a dedicated wallet address for the Tron network
* **stellar** — a dedicated wallet address for the Stellar network

This lets businesses receive funds across multiple ecosystems without managing a separate integration per chain.

### 3.2 Compliance Screening (Who can send you funds)

Every incoming deposit is automatically screened before it is credited to the balance. Screening operates **fail-closed**: when there is genuine doubt about the origin of funds, the top up is blocked rather than the deposit being silently approved.

Screening outcomes:

* **Approved** — funds are credited to the balance
* **Blocked wallet** — funds are not credited; the wallet is marked as blocked, a **terminal state** that cannot be reactivated. Future deposits to that wallet are automatically ignored
* **Error or timeout** — the specific deposit is not credited, but the wallet itself remains operational for future deposits

This mechanism ensures incoming funds only get credited once they clear compliance review.

### 3.3 Supported Networks and Tokens

Receiving wallets can be created on the following blockchain networks, each supporting specific stablecoins:

| Network (Chain) | Wallet Type | Allowed Stablecoins |
| --- | --- | --- |
| **Ethereum** | evm_compatible | USDC, USDT |
| **Polygon** | evm_compatible | USDC, USDT |
| **Tron** | tron | USDT |
| **Stellar** | stellar | USDC |

Cobre only detects and credits deposits made in a supported chain/token combination. Deposits in unsupported combinations are not processed.

---

## 4. Core Concepts and Terminology

* **Global Payins in Stablecoins**: Payins collected using stablecoins as the funding rail
* **Cobre Balance**: The Global fiat or Stable balance that gets credited once a payin clears screening
* **Account Reference (self-custodian wallet)**: An on-chain wallet address created for a Cobre Balance to receive payins
* **Wallet**: The blockchain address where the stablecoin funds are received
* **Chain / Network**: The blockchain network where the wallet exists (Ethereum, Polygon, Tron, Stellar)
* **Token**: The stablecoin used for the payin (USDC, USDT)
* **Sweep**: The internal process that moves approved deposits from the client's wallet to Cobre's treasury after screening
* **Compliance screening**: The automated review applied to every incoming deposit and to the sender's wallet before crediting funds

---

## 5. Speed, Settlement & Reliability

Stablecoin payins are detected as soon as the on-chain transaction is confirmed, and go through compliance screening before being credited. Overall timing depends on:

* the selected **network (chain)** and its confirmation dynamics
* the outcome of the compliance screening step
* whether the wallet has any prior blocking history

Cobre improves reliability by enforcing:

* mandatory screening before crediting any deposit
* valid chain/token combinations only
* standardized operational states for every wallet and deposit

The result is a predictable, compliance-first collection experience for global stablecoin payins.

---

## 6. Typical Business Use Cases

Global Payins in Stablecoins are well suited for:

* **Global marketplaces** collecting payments from international buyers in stablecoins
* **Platforms with crypto-native customers** that prefer to pay in USDC or USDT
* **Businesses consolidating collections** made across multiple blockchain networks into a single balance
* **Cross-border service providers** billing clients who hold funds primarily in stablecoins
* Businesses operating in regions where receiving traditional international wires is slow or costly

This capability fits best when businesses need to **collect stablecoin-denominated payments globally**, with compliance controls built into the collection flow.

---

## 7. Transactions, Reporting & Reconciliation

Global payins in stablecoins follow a standardized operational model that improves traceability:

* Each approved deposit generates a **credit transaction** on the destination Cobre Balance
* Chain and token details are preserved in the transaction metadata for reconciliation
* The on-chain transaction hash is available as the transaction's tracking key, so deposits can be independently verified on a block explorer

For finance teams, this provides:

* consistent payin tracking across networks and tokens
* structured auditability for every credited deposit
* reconciliation against on-chain activity using the recorded hash

---

## 8. Governance, Controls & Auditability

Global payins in stablecoins introduce strong controls through:

* **Mandatory compliance screening**: no deposit is credited without passing screening first
* **Fail-closed wallet blocking**: wallets are blocked permanently when screening flags a deposit, preventing further exposure from that wallet
* **Chain/token compatibility enforcement**: only supported combinations are detected and credited
* Traceable operational states through wallet and transaction status tracking

This provides a foundation for:

* controlled fund collection with reduced compliance risk
* fast identification and containment of suspicious deposits
* audit-ready records for every stablecoin payin received

---

## 9. Global Payins in Stablecoins vs Global Payouts in Stablecoins

| Dimension | Global Payins in Stablecoins | Global Payouts in Stablecoins |
| --- | --- | --- |
| Direction | Funds received from external senders | Funds sent to external counterparties |
| Screened entity | The sending wallet | The receiving counterparty |
| Networks supported | Ethereum, Polygon, Tron, Stellar | Ethereum, Tron, Solana, Polygon, Base, XRPL |
| Gating mechanism | Automatic deposit screening (fail-closed) | Counterparty verification required before payout |
| Terminal negative state | Wallet `blocked` | Counterparty `failed` |

Global Payins in Stablecoins are particularly relevant when businesses need a **compliant way to collect stablecoin payments from a global, crypto-native customer base**.

---

## 10. Summary — What Cobre Delivers with Global Payins in Stablecoins

Cobre enables businesses to:

<Icon icon="material-outline-task_alt" color="green"/> Receive stablecoins into a self-custodian wallet linked to a **Cobre Balance**
<Icon icon="material-outline-task_alt" color="green"/> Support wallets across **Ethereum, Polygon, Tron, and Stellar**
<Icon icon="material-outline-task_alt" color="green"/> Automatically **screen every incoming deposit** before crediting funds
<Icon icon="material-outline-task_alt" color="green"/> Enforce valid chain/token combinations for reliable fund detection
<Icon icon="material-outline-task_alt" color="green"/> Standardize global payins using Cobre's familiar model: account references → transactions → operational visibility

Global Payins in Stablecoins provide a structured, compliance-first way to collect tokenized USD payments from a global customer base, while preserving the controls, traceability, and consistency expected from a payments platform.

---