> ## Documentation Index
> Fetch the complete documentation index at: https://developers.circle.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Stablecoin payments

> Accept and send USDC and EURC onchain with external counterparties through Circle Payments Network, using Stablecoin Payins and Stablecoin Payouts.

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

<CardGroup cols={2}>
  <Card title="Stablecoin Payins" icon="arrow-down-long" href="/cpn/stablecoin-payments/howtos/receive-stablecoin-payin">
    Accept USDC or EURC from third parties. Create a payment intent, share the
    deposit address Circle assigns, and reconcile transfers as they settle.
  </Card>

  <Card title="Stablecoin Payouts" icon="paper-plane" href="/cpn/stablecoin-payments/howtos/send-stablecoin-payout">
    Send USDC or EURC to third-party wallets you register and approve through
    the Address Book, with Travel Rule support.
  </Card>
</CardGroup>

<Note>
  Stablecoin Payins and Stablecoin Payouts require explicit activation on your
  Circle account. To request access, contact Circle through the
  [Circle Mint contact form](https://www.circle.com/mint-contact).
</Note>

## 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](/cpn/stablecoin-payments/references/webhook-events).

## API summary

| Product            | Area                                                                             | Purpose                                           |
| ------------------ | -------------------------------------------------------------------------------- | ------------------------------------------------- |
| Stablecoin Payins  | [Payment Intents](/api-reference/circle-mint/payments/create-payment-intent)     | Create and manage deposit-address intents.        |
| Stablecoin Payins  | [Payments](/api-reference/circle-mint/payments/list-payments)                    | Track settled inbound transfers and refunds.      |
| Stablecoin Payouts | [Payouts](/api-reference/circle-mint/payouts/create-payout)                      | Send USDC or EURC to registered recipients.       |
| Stablecoin Payouts | [Address Book](/api-reference/circle-mint/payouts/create-address-book-recipient) | Register, screen, and manage recipient addresses. |

## Get started

<CardGroup cols={3}>
  <Card title="Receive a Stablecoin Payin" icon="arrow-down-long" href="/cpn/stablecoin-payments/howtos/receive-stablecoin-payin">
    Create a payment intent, share the deposit address, and confirm the payment
    when it settles.
  </Card>

  <Card title="Send a Stablecoin Payout" icon="paper-plane" href="/cpn/stablecoin-payments/howtos/send-stablecoin-payout">
    Register a recipient in the Address Book and send USDC or EURC onchain to a
    third party.
  </Card>

  <Card title="How Stablecoin Payments work" icon="diagram-project" href="/cpn/stablecoin-payments/concepts/how-stablecoin-payments-work">
    Understand payment intents, the payments resource, recipient lifecycle, and
    refunds.
  </Card>
</CardGroup>