1. Stablecoins
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  1. Stablecoins

Global Payouts in Stablecoins

Send tokenized USD payouts globally using Cobre Global Balances and verified wallet counterparties#

Global Stablecoin Payouts enable businesses to send stablecoins (tokenized USD) from Cobre Global Balance accounts to wallets registered as global counterparties, using supported blockchain networks. This capability is designed for companies that need to run international payout programs with predictable denomination, global reach, and a standardized operational model inside Cobre.
This feature is enabled via API only, and is especially relevant for platforms that want to own their payout orchestration while leveraging stablecoins as the settlement rail.

1. What Cobre Enables with Global Payouts in Stablecoins#

With Global Stablecoin Payouts, Cobre enables businesses to:
Send stablecoin payouts from a Cobre Global Balance (USD) to external wallets
Pay legal entities and individuals through distinct global counterparty types
Support multiple blockchain networks (chains) for recipient wallets
Enforce counterparty verification before allowing stablecoin payouts
Ensure payouts use only valid chain–token combinations (rail compatibility rules)
Operate global payouts using the same conceptual primitives as other Cobre flows:
Counterparties
Money movements
Status tracking
Improve control and predictability for international payouts through standardized rules and governance options

2. Global Payouts in Stablecoins in the Cobre Model#

This capability fits into Cobre’s ecosystem as a global payout rail that uses stablecoins as the settlement layer:
Cobre Global Balance (USD) acts as the source of funds for stablecoin payouts.
Global Counterparties represent recipients and store their wallet details and identity classification.
Money Movements (global) represent the payout instruction from the source balance to the recipient wallet.
Transactions reflect the financial outcome of successful execution and provide traceability for finance and operations.
In practical terms, stablecoin payouts extend Cobre’s payout model to wallets, while maintaining a consistent approach to identity, controls, and operational visibility.

3. Key Capabilities / Options#

Global Stablecoin Payouts are driven by three core dimensions: counterparty type, verification, and chain/token compatibility.

3.1 Global Counterparty Types (Who can receive payouts)#

Cobre supports two global counterparty types depending on who owns the destination wallet:
Wallets belonging to a legal entity
Suitable for businesses and organizations.
Wallets belonging to a natural persons
Intended for natural persons (individual beneficiaries of Cobre clients) receiving payouts.
This enables businesses to structure payout programs that support both B2B and B2C recipient populations.

3.2 Counterparty Verification (Who is eligible to receive payouts)#

Before a global counterparty can receive stablecoin payouts, it must pass a verification process. Verification status is tracked through the counterparty object using a dedicated verification status field.
Verification states include:
processing — verification is in progress
verified — counterparty is approved to receive stablecoin payouts
failed — counterparty does not meet verification criteria
This mechanism ensures payouts only go to recipients that satisfy verification requirements.

3.3 Supported Networks (Chains)#

Recipient wallets can be registered on the following blockchain networks:
Ethereum
Tron
Solana
Polygon
Base
XRPL
Each chain supports specific stablecoins. Cobre enforces these rules to prevent unsupported payouts.

3.4 Supported Stablecoins and Chain–Token Compatibility#

Stablecoins supported depend on the wallet’s network. Cobre validates that the requested token is compatible with the chain configured on the global counterparty.
Compatibility matrix:
Network (Chain)Allowed stablecoins
EthereumUSDT, USDC
TronUSDT
SolanaUSDC
PolygonUSDC
BaseUSDC
XRPLRLUSD
This ensures predictable execution behavior and reduces operational failures caused by incompatible rail selection.

3.5 Allowed Source and Destination Combinations#

Cobre supports global stablecoin payouts only under the following account pairing:
Source: Cobre Global Balance (USD)
Destination: Global counterparty wallet (legal entities or natural persons)
Geography: global
This defines a clear operational perimeter for the feature.

4. Core Concepts and Terminology#

Global Stablecoin Payouts: Payouts executed using stablecoins as the settlement rail.
Cobre Global Balance: A USD-denominated balance used as the source for global stablecoin payouts.
Global Counterparty: A recipient entity registered to receive payouts in a wallet (legal entitie or natural person).
Wallet: A blockchain address where the stablecoin will be received.
Chain / Network: The blockchain network where the wallet exists (e.g., Ethereum, Tron, Solana).
Token: The stablecoin used for the payout (e.g., USDC, USDT, RLUSD).
Counterparty verification status: The status field that indicates whether a counterparty is eligible to receive payouts (processing, verified, failed).
Global Money Movement: A payout instruction that sends funds from a Cobre Global Balance to a verified global counterparty.
Chain–Token Compatibility: Validation rules that enforce which tokens can be sent on each network.

5. Speed, Settlement & Reliability (if applicable)#

Stablecoin payouts are designed to offer global settlement behavior that is less dependent on local banking cutoffs. However, final speed and predictability vary based on:
the selected network (chain) and its confirmation dynamics
the stablecoin/token used
recipient wallet behavior and downstream handling
Cobre improves reliability by enforcing:
verified recipient eligibility
valid chain–token combinations
standardized operational states and outcome visibility
The result is a more predictable payout experience for global programs.

6. Typical Business Use Cases#

Global Stablecoin Payouts are well suited for:
Global marketplaces paying international sellers
Gig and payroll platforms paying contractors across countries
Creator economy payouts and affiliate programs
Gaming and digital platforms distributing rewards, prizes, or withdrawals
B2B vendor payouts where recipients prefer wallet settlement
Businesses operating in regions where traditional rails are slower or harder to access
This capability fits best when businesses need global reach, predictable USD-denominated settlement, and scalable payout orchestration.

7. Transactions, Reporting & Reconciliation#

Global stablecoin payouts follow a standardized operational model that improves traceability:
Each payout is represented as a global money movement with a clear lifecycle and status.
Successful execution produces financial records that can be reconciled against:
source balance movements
destination wallet payouts
internal payout references (e.g., invoice, contractor, order IDs)
For finance teams, this provides:
consistent payout tracking across geographies
structured auditability across recipient types
improved reconciliation workflows for high-volume payout programs

8. Governance, Controls & Auditability#

Global stablecoin payouts introduce strong controls through:
Verification gating: only verified counterparties can receive payouts
Compatibility enforcement: invalid chain–token combinations are rejected
Traceable operational states through money movement lifecycle tracking
The option to integrate internal approval and governance processes (where applicable)
This provides a foundation for:
controlled payout execution
reduced fraud and misdirected payout risk
audit-ready records for payout operations

9. Global Stablecoin Payouts vs Traditional Cross-Border Payouts#

DimensionTraditional Cross-Border PayoutsGlobal Stablecoin Payouts (Cobre)
Settlement railBanking railsBlockchain networks (stablecoins)
Cutoff dependenceCommonReduced dependency on banking cutoffs
DenominationOften multi-currency FXTokenized USD (stablecoins)
Recipient endpointBank accountsWallets (verified counterparties)
Operational gatingVariesVerification required before payout
Rail compatibility rulesProvider-specificEnforced chain–token compatibility
EnablementVariesAPI-only
Global Stablecoin Payouts are particularly relevant when businesses want a wallet-based global payout option with standardized controls and token/network flexibility.

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

Cobre enables businesses to:
Send stablecoins from Cobre Global Balance (USD) to external wallets
Support payouts to both legal entities and individuals via global counterparty types
Require and enforce counterparty verification before payouts
Operate across multiple supported networks: Ethereum, Tron, Solana, Polygon, Base, XRPL
Support stablecoins with enforced chain–token compatibility (USDC, USDT, RLUSD)
Standardize global payouts using Cobre’s familiar model: counterparties → money movements → operational visibility
Global Stablecoin Payouts provide a structured way to run international payout programs using tokenized USD, while preserving the controls, traceability, and consistency expected from a payments platform.
Modified at 2026-01-08 22:27:30
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