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Stablecoin Payments lets you move USDC and EURC onchain with external counterparties as a self-managed product in Circle Payments Network (CPN). You hold the stablecoins and operate the flow; Circle provides the APIs, deposit addresses, recipient screening, and onchain settlement. The product covers two flows:

Stablecoin Payins

Accept USDC or EURC from third parties. Create a payment intent, share the deposit address Circle assigns, and reconcile transfers as they settle.

Stablecoin Payouts

Send USDC or EURC to third-party wallets you register and approve through the Address Book, with Travel Rule support.
Stablecoin Payins and Stablecoin Payouts require explicit activation on your Circle account. To request access, contact Circle through the Circle Mint contact form.

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Key features

  • Payment intents: Create continuous deposit addresses for recurring payins, or transient addresses scoped to a single checkout.
  • Address Book: Register, screen, and reuse third-party recipient addresses before you send payouts.
  • Refunds: Return funds against a settled payin during the refund window.
  • Travel Rule support: Attach originator and beneficiary data to third-party payouts where required.
  • Webhooks: Subscribe to intent, payment, recipient, and payout events to track activity. See Webhook events.

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API summary

ProductAreaPurpose
Stablecoin PayinsPayment IntentsCreate and manage deposit-address intents.
Stablecoin PayinsPaymentsTrack settled inbound transfers and refunds.
Stablecoin PayoutsPayoutsSend USDC or EURC to registered recipients.
Stablecoin PayoutsAddress BookRegister, screen, and manage recipient addresses.

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Get started

Receive a Stablecoin Payin

Create a payment intent, share the deposit address, and confirm the payment when it settles.

Send a Stablecoin Payout

Register a recipient in the Address Book and send USDC or EURC onchain to a third party.

How Stablecoin Payments work

Understand payment intents, the payments resource, recipient lifecycle, and refunds.