Settlement overview

Settlement delivers deposited value, once independently verified and net of fees, to the destination the receiving account chose. Your backend sets that destination on the account before any value is pointed at it, and nothing a payer does can move it. Settlement never runs on a claim. A provider reporting success is not the same as value having arrived.

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The payer picks the route, your backend picks the destination

Because the two never meet, an account’s wallet address or bank details never appear in a request body or on a payer-facing surface.

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Who owns the destination decides what you build

Merchant and treasury settlement use the same endpoints; merchant settlement also needs a destination picker in your product. Acquirer and PSP settlement has no public create endpoint and is agreed commercially before anything is switched on. Settlement runs to a connected wallet on the settlement-capable chains, in the stablecoins listed for each. See Supported regions and currencies.