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Circle Payments Network (CPN) is Circle’s stablecoin payments network for global money movement. Built and powered by Circle, the issuer of USDC, it gives financial institutions and enterprises a single integration to accept, convert, move, and settle funds. Move money near-instantly, 24/7, on programmable stablecoin rails. Each payment product handles a specific job, so you can pick what you need today and add more as your business grows.

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Operating modes

Circle builds and powers every CPN payment. You choose who operates the payment lifecycle, and you can change modes without re-integrating as your business grows. The two modes differ in who holds the stablecoins and who owns licensing, custody, and compliance.
  • Self-managed: You operate your own stablecoin lifecycle, including custody, payouts, and compliance. Circle provides the rails, APIs, and routing. Choose this mode when you hold stablecoins directly and want control over the flow of funds.
  • Managed: Circle handles licensing, custody, compliance, treasury, and settlement on your behalf. Choose this mode when you want stablecoin payments without holding digital assets or building onchain systems.

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Products

Fiat Payouts

Send cross-border fiat payouts through a network of payout partners. Request real-time FX quotes, settle in USDC onchain, and let partners deliver local fiat to the receiver.

Stablecoin Payments

Send USDC or EURC to third-party wallets with Stablecoin Payouts, and accept it from third parties onchain with Stablecoin Payins. Both support Address Book and Travel Rule data.

Managed Payments

Offer stablecoin payins, payouts, and digital asset accounts to your end-customers without holding digital assets. Circle runs custody, compliance, and onchain activity while you stay in fiat at the edge.

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Choose a product

The following table maps each product to its operating mode and primary use case.
ProductOperating modeUse it to
Fiat PayoutsSelf-managedSettle cross-border payments in USDC and deliver local fiat to receivers through payout partners.
Stablecoin PayoutsSelf-managedSend USDC or EURC to third-party wallets you register and approve.
Stablecoin PayinsSelf-managedAccept USDC or EURC from third parties into a deposit address.
Managed PaymentsManagedOperate fully in fiat while Circle powers stablecoin payments behind the scenes.

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Get started

Integrate Fiat Payouts

Request a quote, create a payment, complete the onchain USDC transfer, and track status as an Originating Financial Institution.

Send a Stablecoin Payout

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

Receive a Stablecoin Payin

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