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Settlement

Every account chooses where their money goes. Change anytime via Dashboard → Settings, or PATCH /v2/accounts/:id/settings.

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Crypto Settlement (default, no KYC)

SettingOptions
ChainBase, Polygon, Arbitrum, Ethereum, BNB, Solana, Movement, Tempo
TokenUSDC or USDT (varies by chain)
DestinationPrimary wallet address or vault
When a payment arrives on a different chain than the account’s settlement chain, Stableyard automatically routes it cross-chain. The recipient always receives on their preferred chain, regardless of where the buyer paid from.

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Fiat Settlement (requires KYC)

  • Bank transfer or mobile wallet (UPI, M-Pesa)
  • Requires completing KYC verification
  • Coming soon per corridor

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How Cross-Chain Routing Works

Buyer pays 10 USDC on Base
  │
  ▼
Stableyard detects payment
  │
  ▼
Merchant settlement = Polygon, USDC
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  ▼
Stableyard creates cross-chain order
  │  Base → Polygon (3-15 seconds)
  │  Routing network executes the bridge
  ▼
Merchant receives 10 USDC on Polygon (minus fees)
The routing network is non-custodial — funds pass through routing liquidity, not a Stableyard balance.