Global payouts in stable

The Payout using Global payouts in stable provides services to send funds from a Cobre Balance Global (USD) to external beneficiaries using stablecoin payment rail.

Global payouts in stable are commonly used to disburse funds globally to blockchain addresses, offering instant settlement, 24/7 availability, and programmable money movement that eliminates traditional banking intermediaries while enabling seamless integration with DeFi protocols and crypto-native workflows.

Global payouts in stable limitations

Global payouts in stable supports the following chains and tokens:

Network (Chain)	Allowed stablecoins
Ethereum	USDT, USDC
Tron	USDT
Solana	USDC
Polygon	USDC
Base	USDC
XRPL	RLUSD

The counterparty must be verified to allow the payout.

Supported counterparties

Global payouts in stable supports the following destination types:

Destination Type	Counterparty Type
Global Deposit Legal Entity	`global_deposit_le`
Global Deposit Natural Person	`global_deposit_np`

Authorization Workflow (optional)

Checker Approval is an optional solution that can be used within the Payout flow. It triggers an authorization workflow before the transaction is sent to the payment network. While approval is pending, the Money Movement remains in a pending_approval status until it is either approved or rejected. The approval process can be completed either through the Cobre Portal or programmatically via API.

Payout lifecycle

A Global payouts in stable follows a simple lifecycle:

1. Create a Global Deposit Legal Entity or Global Deposit Natural Person counterparty (beneficiary)
Create a counterparty of type global_deposit_le or global_deposit_np.
This counterparty represents the destination of the Payout transaction.

2. Create a Money Movement
Create a Money Movement using:

The account_id from which the funds will be debited, used as the source_id (a Global Cobre Balance in USD).

The counterparty_id from the previous step as the destination_id

The metadata with a description and the token

The external_id where you can use to send a reference from your system.

The amount provided in the smallest unit of the currency (e.g., 1.00 USD should be represented as 100).

Global payouts in stable

amount must be at least 100 (equivalent to 1.00 USD). Amounts are specified in minor units (cents).
token must be a supported stablecoin. Refer to the stablecoin support matrix for accepted values.

The checker_approval as true if you want use our authorization flow.

3. Money Movement is processed
Once created, the Money Movement starts in the initiated status.

If all validations pass, the status changes to processing. At this point, the transaction is broadcasted.

If an error occurs during validation or processing, the Money Movement transitions to the final failed status.

If the Money Movement is created with checker_approval = true, it first moves to the pending_approval status and will only transition to processing or canceled once the approval decision is made.

4. Funds are debited
Once the Money Movement transitions to the processing status, the funds are debited from the associated Cobre Balance.

5. Wait for the final outcome of the Money Movement.

If the Money Movement is completed, the beneficiary has successfully received the funds.

If the Money Movement is rejected, the funds are credited back to your Cobre Balance.

6. Receive status updates
Money Movement status changes are communicated via Webhooks.

Actions performed on a Money Movement (Payout)

🔑 Create

🔍 Retrieval

Description: Money Movement Creation.
What to expect after the action: Money Movement is created in Cobre.
📘 Learn more:

🔗 Create a Money Movement

Money Movement Idempotency

Money Movement creation supports idempotency.

Idempotency keys are valid for 24 hours.

How to Get Started

Before you begin, we recommend reviewing the following considerations.

Before using this API

You need a Global Cobre Balance in USD

To send funds using Global payouts in stable, you must have an active Global Cobre Balance account in USD with enough funds.

Create the beneficiary Counterparty

Before creating a Payout Money Movement, you must create a Global Deposit Legal Entity or Global Deposit Natural Person counterparty (beneficiary).

Define the Payout configuration

Decide the destination type, amount, and any required metadata needed to process the Payout.

Implement Webhooks to track payment status

To stay informed about the status of Payout transactions, we strongly recommend implementing Webhooks. Webhooks notify your system when a payment is initiated, processed, completed, or failed. Also subscribe to the required events to receive notifications about transaction debits and credits.

See Notifications & Subscriptions for more details.

What to expect after using this API

Initiate the Payout

Once the Money Movement creation request is sent, it will be created with an initiated status.
Make sure your system is prepared to receive status updates as the Money Movement progresses through its lifecycle.

Track the transaction status

Monitor the Payout lifecycle using Webhooks or retrieval endpoints.

Funds are delivered to the beneficiary

When the Payout is successful, funds are credited to the beneficiary’s account and the Money Movement status is updated accordingly.

Global payouts in stable