Most stablecoins track the US dollar. But if your revenue, costs, and recipients are in euros, paying in a dollar-pegged token means an FX round-trip on every transaction. EURC solves that: it's a euro-denominated stablecoin that lets euro-native businesses move money on blockchain rails without leaving the euro.
Here's what EURC is, how it works, and why it has become the default euro stablecoin for regulated business in 2026.
EURC in one sentence
EURC (Euro Coin) is a stablecoin pegged 1:1 to the euro, issued by Circle — the same company behind USDC — and backed fully by euro-denominated reserves. One EURC is designed to always be redeemable for one euro.
Think of it as a digital euro you can send anywhere in minutes, 24/7, without a bank wire.
Who issues EURC, and why that matters
EURC is issued by Circle, a regulated financial technology company. That matters for one reason above all: regulation. Circle holds an EU Electronic Money Institution (EMI) license in France, and that single authorization passports EURC across all 27 EU member states under MiCA, the EU's crypto framework.
In practice, EURC is a MiCA-compliant e-money token. When MiCA's rules took full effect and non-compliant stablecoins were removed from EU-regulated exchanges, EURC was one of the assets that stayed — and it captured much of the resulting demand. By 2026 it had become the dominant euro stablecoin, holding roughly 41% of the euro-stablecoin market, up from about 17% a year earlier.
For a business, that means EURC isn't a fringe experiment — it's the euro stablecoin most likely to be accepted, supported, and compliant across Europe.
What backs EURC?
EURC is 100% backed by euro reserves held in cash and cash-equivalent instruments under Circle's full-reserve model. Circle publishes regular reserve reporting, the same transparency approach it applies to USDC. Each token in circulation is matched by euros held in reserve, which is what keeps the 1:1 peg dependable.
As of 2026, EURC's circulation sits in the range of roughly €400–460 million — smaller than dollar stablecoins, but by far the largest in the euro category.
Which blockchains support EURC?
EURC is a multi-chain asset. It runs natively on:
Ethereum (where the majority of euro-stablecoin supply sits)
Base
Solana
Stellar
Avalanche
World Chain
The network you use determines transfer speed and fees. For payouts, low-fee chains like Solana, Base, or Stellar keep costs to cents; Ethereum is the most liquid but the most expensive to transact on.
Why businesses use a euro stablecoin
If you already operate in euros, why hold a euro on a blockchain instead of in a bank? A few concrete reasons:
No FX round-trip. Paying euro-based recipients in a dollar stablecoin means converting EUR → USD → EUR, losing spread each way. EURC keeps euros as euros.
Speed. EURC settles in minutes, any time — including weekends and holidays, when SEPA and bank rails are closed.
Global reach. A recipient anywhere with a wallet can receive euros, without needing a European bank account.
Programmability. EURC can be sent via API for automated payouts, something traditional euro rails don't offer natively.
Regulatory comfort. As a MiCA-compliant token, EURC fits the compliance expectations of European banks, auditors, and partners.
EURC vs a bank euro balance
A euro in your bank and a euro in EURC are both euros — the difference is the rails.
EURC doesn't replace your bank — it complements it for fast, global, programmable euro movement.
Frequently asked questions
What is EURC? EURC (Euro Coin) is a euro-pegged stablecoin issued by Circle, backed 1:1 by euro reserves. It lets businesses hold and send euros on blockchain networks.
Is EURC the same as USDC? They share an issuer (Circle) and a full-reserve, MiCA-compliant model, but EURC is pegged to the euro while USDC is pegged to the US dollar. See our EURC vs USDC comparison.
Is EURC regulated? Yes. EURC is a MiCA-compliant e-money token. Circle's French EMI license passports it across all 27 EU member states.
What backs EURC? Euro-denominated reserves held 1:1 against tokens in circulation, under Circle's full-reserve model with regular reserve reporting.
Which networks support EURC? Ethereum, Base, Solana, Stellar, Avalanche, and World Chain. Choose a low-fee network for cost-efficient payouts.
Can businesses pay in EURC? Yes — EURC is widely used for euro-denominated payouts to contractors, suppliers, and partners, especially within the EU. Learn more in our guide to paying in EURC.
Move euros the modern way
If your business runs on euros, you can settle in euros on-chain — fast, global, and MiCA-compliant. INXY's EURC mass payouts let you fund and pay in euros without the FX round-trip or the crypto overhead. New to the asset? Compare it with the dollar option in EURC vs USDC.
This article is general information, not financial or legal advice.
Stablecoins are a type of cryptocurrency designed to keep a stable value. Unlike regular cryptocurrencies like Bitcoin, which can rise and fall in value quickly, stablecoins aim to stay consistent. They are often tied to real-world assets like the US dollar or gold. This connection helps prevent large price changes, making them useful for transactions and savings.
Think of stablecoins as digital versions of traditional money. They can be used for paying, saving, and trading without the worry of sudden value drops. Some stablecoins use algorithms to adjust their supply and maintain stability. Others hold reserves of the assets they are linked to. This dual approach helps users trust and rely on them for their financial needs.
Ranking by Market Capitalization
Market capitalization, often called "market cap," is a way to measure the total value of a stablecoin. Imagine it as the total worth of all the coins in circulation. When we talk about the best stablecoin in 2026, market cap is a key factor. It shows how popular and trusted a stablecoin is in the crypto world.
Let's break it down with an example. Think about two stablecoins, Coin A and Coin B. If Coin A has a market cap of $1 billion and Coin B has $500 million, Coin A is bigger. It means more people have invested in Coin A, showing more trust and usage.
Big market caps often mean more stability. Why? It is usually harder for someone to manipulate a large market. Plus, a bigger market cap can attract more traders and investors. But a higher market cap does not always mean less risk. It is still important to look at other factors, like the technology behind the coin and its management team.
In 2026, to find the best stablecoin by market cap, check which coins have grown the most. Look at their history and how they have performed over time. This can give you clues about which stablecoins might continue to grow and provide stability.
Yield Potential of Stablecoins
Exploring the yield potential of stablecoins can be quite the journey. Let's break it down. Some stablecoins offer staking options. This means you can earn interest by simply holding them in a specific wallet. It's like putting money in a bank account that gives you a little extra over time.
Another option is yield farming. This involves providing liquidity to certain platforms. You get rewarded with more coins. It's a bit like lending your coins to a friend and getting interest back.
But, be careful. While the potential for profit exists, risks are also there. Market conditions can change, affecting your returns. Always consider these factors when evaluating stablecoin yields.
Understanding Risks Involved
When we talk about stablecoins, the term "stable" often gives a sense of security. But is it really that simple? While stablecoins are designed to maintain a steady value, they come with their own set of risks. Let's break them down.
First up, we have the risk of losing the peg. Stablecoins are pegged to another asset, like the US dollar. But what if they lose this peg? When the market is volatile, the value of a stablecoin can drift away from its intended peg. This can happen due to insufficient reserves or sudden market shifts.
Next, consider regulatory risks. Governments around the world are still figuring out how to regulate cryptocurrencies, including stablecoins. Changes in laws can affect how stablecoins are used, traded, or even banned in certain regions. This uncertainty can impact their value and usability.
Then there's the risk of issuer default. Stablecoins are often backed by a reserve of fiat currency or other assets. If the issuer fails to manage these reserves properly, or if they face financial trouble, the stablecoin might not hold its value.
Also, technology plays a big role. Stablecoins operate on blockchain technology. While secure, blockchains can have bugs or be subject to cyber-attacks. If a stablecoin's technology is compromised, it can lead to loss of funds or trust.
Finally, liquidity risk shouldn't be overlooked. If there's a sudden rush to sell a particular stablecoin, there might not be enough buyers. This can make it hard to sell the stablecoin at its intended value, leading to potential losses.
Each of these risks reminds us that while stablecoins aim to offer stability, they are not without challenges. Understanding these risks can help you make informed decisions when dealing with stablecoins.
Top 5 Stablecoins for 2026
Stablecoins are digital currencies that aim to maintain a stable value. In 2026, the best stablecoins will likely be those that offer a good balance between security, yield, and risk. Here, we'll explore the top five stablecoins you might want to keep an eye on.
First up is Tether (USDT). Tether is one of the most used stablecoins. It's pegged to the US dollar, which means its value stays close to $1. Many people use Tether for trading because it offers stability in the volatile world of cryptocurrencies. However, some investors worry about its lack of transparency.
Next, we have USD Coin (USDC). Similar to Tether, USDC is also pegged to the US dollar. It's known for being transparent, as it undergoes regular audits. This makes it a popular choice for those who value security and trust.
Dai is another stablecoin to consider. Unlike USDT and USDC, Dai is not backed by US dollars in a bank account. Instead, it uses smart contracts on the Ethereum blockchain to keep its value stable. This decentralized approach appeals to those who prefer not to rely on traditional banking systems.
Binance USD (BUSD) is a stablecoin issued by Binance, one of the largest cryptocurrency exchanges in the world. BUSD is also pegged to the US dollar and is regulated, which provides an extra layer of security. It's a good choice for users who trade on the Binance platform.
Lastly, TrueUSD (TUSD) is a stablecoin that offers transparency and regular audits. Like other stablecoins, it is pegged to the US dollar. TrueUSD is popular among investors who prioritize a transparent and regulated approach to stablecoins.
These five stablecoins each offer something unique, from transparency to decentralization. As 2026 unfolds, these stablecoins might be the ones leading the charge in the crypto space.
Comparative Analysis of Stablecoins
When it comes to understanding stablecoins, comparing them can help you see the differences and similarities. Let's take a closer look at some popular stablecoins in 2026, focusing on capitalization, yield, and risks. This way, you can get a better idea of what makes each one unique.
Every stablecoin has its own market capitalization. This is the total value of all coins in circulation. For example, Tether (USDT) often has a large market cap, making it a strong player in the stablecoin field. In contrast, newer stablecoins might have smaller market caps, which can mean they are still gaining popularity.
Yield is another important factor. It refers to the return you might get from holding or staking the stablecoin. Some stablecoins offer attractive yields through different financial platforms. For instance, USDC might provide a steady yield for those who choose to lend or stake their coins. This makes it appealing to users looking for extra income.
Now, let's talk about risks. Every stablecoin carries some risk, but they differ in type and level. For instance, algorithmic stablecoins may face risks due to changes in their algorithms or market conditions. On the other hand, fiat-backed stablecoins like USDT and USDC might be exposed to regulatory risks. Understanding these risks can help you decide which stablecoin suits your needs.
To illustrate, consider Dai, an algorithmic stablecoin. Its value is maintained through smart contracts and collateralized assets. This makes Dai less dependent on traditional banks but more sensitive to market fluctuations. In comparison, fiat-backed coins like BUSD rely on reserves in a bank, offering more stability but less independence.
Stablecoin innovation doesn't stop here. New models and technologies are constantly emerging. These developments aim to address current limitations and provide new benefits. By staying informed about these changes, you can make smarter choices in the stablecoin market.
In summary, the best stablecoin for you depends on your goals and risk tolerance. Whether you prioritize high yield, market stability, or innovation, there's likely a stablecoin that fits your criteria. Keep exploring, and you'll find the one that aligns with your financial strategy.
Future of Stablecoins: Trends to Watch
As we look ahead to 2026, the stablecoin landscape is poised for significant changes. These digital assets, designed to maintain a stable value, are becoming an integral part of the financial ecosystem. Let's explore the trends that are shaping their future.
One major trend is the growing interest in central bank digital currencies (CBDCs). Governments around the world are exploring their own digital currencies, which could impact the role of stablecoins. For instance, if a country launches a successful CBDC, it may affect how private stablecoins are used within that economy. This could lead to a shift in demand and new regulatory challenges.
Another trend to watch is the rise of algorithmic stablecoins. Unlike traditional stablecoins backed by reserves, these use complex algorithms to maintain stability. TerraUSD and similar projects are examples of this innovation. While they offer potential benefits like decentralization, they also come with risks, as seen in past fluctuations. As technology improves, we may see more robust and reliable algorithmic stablecoins.
Regulation will play a crucial role in the stablecoin market. Authorities are keen to ensure that these digital currencies are safe and transparent for users. We can expect more comprehensive regulations to emerge, focusing on areas like reserve transparency and consumer protection. This could lead to increased trust and wider adoption.
The integration of stablecoins with decentralized finance (DeFi) platforms is another exciting development. Stablecoins provide liquidity and stability within these platforms, enabling more complex financial products. As DeFi grows, so will the demand for stablecoins, making them even more essential.
Finally, the use of stablecoins for cross-border transactions is likely to expand. Their ability to offer fast and low-cost transfers makes them attractive for international payments. This could challenge traditional banking systems and reshape how global transactions are conducted.
As these trends unfold, stablecoins will continue to evolve, playing a pivotal role in the future of finance.
FAQ
What are stablecoins and why are they important?
Stablecoins are a type of cryptocurrency designed to maintain a stable value, typically pegged to a reserve of assets like fiat currencies (e.g., USD) or commodities. They are important because they offer a refuge from the volatility typical of cryptocurrencies, making them a useful tool for transactions, savings, and as a base currency in trading.
How are stablecoins ranked by market capitalization in 2026?
Stablecoins in 2026 are ranked by market capitalization based on the total value of their circulating supply. This ranking reflects their adoption and trust within the market. Factors such as the size of reserves, transparency, and liquidity contribute to their market capitalization.
What yield opportunities do stablecoins offer?
Stablecoins provide yield opportunities through mechanisms such as interest-bearing accounts, staking, and lending platforms. These methods allow investors to earn returns in a low-risk environment, with yields often depending on the platform and specific stablecoin used.
What risks are involved in investing in stablecoins?
Investing in stablecoins involves risks such as regulatory changes, which can impact their legality and usage. Market volatility, while less than traditional cryptocurrencies, can still affect stablecoin value indirectly. Additionally, the stability of the assets backing the stablecoin is crucial, as poor management can lead to value fluctuation.
Which are the top 5 stablecoins to watch in 2026?
The top 5 stablecoins for 2026 are selected based on their market performance, adoption rate, and stability mechanisms. These include well-established names with strong backing and innovative newcomers offering unique features. Their strengths and weaknesses are analyzed to provide a comprehensive overview.
How can I compare different stablecoins effectively?
A comparative analysis involves examining stablecoins based on market capitalization, yield potential, and associated risks. Factors such as reserve transparency, regulatory compliance, and technological infrastructure are considered to help investors make informed decisions.
What future trends should we watch for stablecoins?
Future trends for stablecoins include increased integration into traditional financial systems, technological innovations such as enhanced privacy features, and evolving regulatory frameworks. These trends will shape their role in the financial ecosystem and influence their utility and adoption.
Best Payment Gateways for SaaS in 2026: From Traditional Fiat to Web3
Stop letting legacy payment bottlenecks kill your SaaS growth. 🚀 In 2026, relying solely on traditional credit card processing is a risk to your cash flow. High fees and chargebacks are outdated. Our latest guide breaks down the best payment gateways for B2B SaaS—from the reliability of Stripe to the borderless power of INXY Paygate. Inside this guide: Why crypto users have a 2x higher LTV and prefer annual plans. How the Auto-Convert Engine eliminates volatility risks for CFOs. The secret to Zero Chargebacks and instant global settlements. Future-proof your billing stack and tap into a global market of 800M+ digital asset users. Read more at INXY.io.
When closing high-ticket B2B SaaS deals or enterprise annual plans, traditional credit card processing often becomes a bottleneck rather than a solution. High cross-border fees and unexpected fund holds can paralyze your cash flow. In 2026, relying solely on legacy fiat processors is a risk. Your billing infrastructure needs to be as borderless and scalable as your software.
As we move deeper into 2026, SaaS billing has fundamentally evolved. While traditional fiat processors remain standard, the explosive demand for borderless, low-fee digital transactions makes cryptocurrency and stablecoin gateways a mandatory addition to any modern B2B tech stack. This guide breaks down the best payment gateways for SaaS businesses, comparing legacy providers with next-generation Web3 infrastructure to help you optimize your upfront revenue.
Key Features to Look for in a SaaS Payment Gateway
Before diving into the top providers, it is essential to define what makes a payment gateway effective for a SaaS and annual licensing model:
Global Reach & Multi-Currency: Support for international clients without exorbitant cross-border foreign exchange (FX) fees.
API & Native Integrations: Developer-friendly REST APIs and plugins for standard platforms (like WooCommerce, Shopify, or WHMCS).
Chargeback Protection: Mechanisms to protect your business from fraudulent chargebacks that persistently plague the digital goods industry.
Mass Payout Capabilities: Built-in tools to easily distribute affiliate commissions or international contractor payouts.
The Top Payment Gateways for SaaS in 2026
1. Stripe: The Traditional Fiat Giant
Stripe remains a dominant force in the SaaS ecosystem. Its robust API, advanced invoicing tools, and seamless checkout flows make it a default choice for many domestic startups.
Pros: Incredible developer tools, widespread consumer trust, and deep analytics.
Cons: High cross-border transaction fees and persistent vulnerability to chargeback fraud.
2. PayPal / Braintree: The Consumer Favorite
Braintree (owned by PayPal) offers extensive global brand recognition. It is an excellent choice for B2C software products looking for high conversion rates at checkout from everyday consumers.
Pros: High consumer trust, easy integration, supports Venmo and Apple Pay.
Cons: Strict compliance algorithms that can freeze funds without warning, high processing fees for international clients.
3. INXY Paygate: The Premier Web2 to Web3 Bridge
For modern SaaS companies, relying solely on traditional banking is a massive bottleneck. Enter INXY, a regulated, VC-backed cryptocurrency payment gateway that recently secured $3M from Flashpoint VC. INXY is specifically engineered for B2B enterprises and SaaS platforms looking to accept global payments without the friction of legacy banks. INXY acts as a seamless bridge, allowing you to offer a "Pay with Crypto" option while completely eliminating the technical risks normally associated with digital assets.
Boost Your Annual Payments: INXY Paygate strategically bypasses standard auto-billing. This is a massive advantage designed to boost your upfront cash flow. When dealing with high-ticket B2B software and large sums, utilizing stablecoins makes annual tariff plans the absolute most profitable option for both your business and your clients. You get the full yearly value immediately without the risk of monthly drop-offs.
The Auto-Convert Engine: The biggest fear for SaaS CFOs is crypto volatility. With INXY, if a client pays a $1,000 or $10,000 annual software license in Ethereum, the gateway's Auto-Convert feature instantly converts the incoming volatile asset into stablecoins (USDT/USDC) or fiat (EUR/USD). You get exact, predictable revenue.
Native SaaS Integrations: Instead of writing complex smart contracts, SaaS companies can use INXY’s robust APIs or ready-made plugins, including a native WHMCS module perfectly tailored for hosting, cloud services, and digital agencies.
Zero Chargebacks: Blockchain transactions are irreversible, meaning your business is completely protected from friendly fraud.
Built-in Mass Payouts: If you rely on an affiliate network, INXY allows you to automate global mass payouts via CSV uploads or API.
Feature Comparison Matrix
Choosing the right platform depends entirely on your target audience. Here is a high-level comparison of how these gateways stack up:
Why SaaS Businesses Are Adopting Crypto Invoicing
The shift toward stablecoin billing is not a temporary trend; it is a fundamental upgrade to global financial infrastructure. With over 824 million people globally owning crypto—representing more than 10% of the world's population—this is a massive, highly lucrative demographic ready to spend.
By integrating a Web3 gateway alongside your traditional fiat processors, you unlock several strategic advantages:
Massive Upfront Cash Flow: 60% of crypto users prefer to pay upfront for 12–36 month plans, compared to only 20% of credit card users.
Higher Spend & Unmatched LTV: Crypto buyers spend 2x more than traditional users. In fact, 43% of users spend more simply because crypto is offered as an option. Clients who pay in crypto consistently become the highest Lifetime Value (LTV) users—paying more and staying longer.
New Customer Acquisition: 40% of crypto clients are entirely new to the merchant, and 56% of users actively choose to shop more frequently at crypto-friendly businesses.
Lower Transaction Costs: Traditional gateways charge 2.9% + $0.30 per transaction, plus heavy cross-border fees. Crypto payments settle for fractions of a percent, saving high-volume companies thousands of dollars on annual contracts.
Instant Global Settlement: Instead of waiting 3 to 5 business days for an international wire transfer to clear, stablecoin payments settle in minutes.
Conclusion: Future-Proof Your SaaS Billing
In an increasingly borderless digital economy, restricting your customers to legacy credit card processing is a critical mistake. While platforms like Stripe and Braintree excel in their respective domestic markets, the future of global SaaS billing relies on secure, instant, and borderless transactions.
By implementing a specialized gateway, you can bypass the traditional hurdles of international finance. You gain the ability to tap into a high-spending demographic, automate your affiliate mass payouts, and completely eliminate chargeback fraud—all while receiving predictable, auto-converted fiat or stablecoin settlements. It is time to expand your checkout options and embrace the next generation of digital payments.
Crypto Mass Payouts for Affiliate Networks: Automate BTC, USDT & ETH Partner Payments
Running an affiliate network means managing dozens — or hundreds — of payment relationships simultaneously. When those partners operate across different countries and expect crypto compensation, the bottleneck isn't traffic or conversions: it's payout infrastructure. Manual crypto transfers don't scale. Exchange withdrawal APIs are built for single recipients. And treasury teams shouldn't be copying wallet addresses one by one every payout cycle.
Running an affiliate network means managing dozens — or hundreds — of payment relationships simultaneously. When those partners operate across different countries and expect crypto compensation, the bottleneck isn't traffic or conversions: it's payout infrastructure. Manual crypto transfers don't scale. Exchange withdrawal APIs are built for single recipients. And treasury teams shouldn't be copying wallet addresses one by one every payout cycle.
INXY's Mass Payouts API solves this at the infrastructure level — letting affiliate programs send BTC, USDT, ETH, and other crypto assets to hundreds of recipients in a single payout cycle — with AML/KYT compliance handled automatically on every transaction.
Why Affiliate Networks Are Moving to Crypto Payouts
Cross-Border Friction with Traditional Rails
Bank wires and PayPal are the default — but they're slow, regionally inconsistent, and expensive for international affiliate programs. SWIFT transfers take 2–5 business days and carry correspondent bank fees. PayPal blocks accounts in dozens of jurisdictions. For an affiliate network paying partners in Southeast Asia, Eastern Europe, or Latin America, these aren't edge cases — they're the norm.
Crypto payouts bypass this entirely. On-chain settlement means funds arrive in minutes regardless of recipient geography, with no correspondent banking dependencies.
Affiliates Demanding Crypto Compensation
Across iGaming, Forex, and SaaS verticals, crypto-denominated affiliate commissions have shifted from a niche perk to a standard expectation. High-volume affiliates — those generating meaningful revenue for programs — increasingly prefer USDT or BTC over fiat because it sidesteps local banking restrictions, enables faster compounding, and reduces currency risk on earnings held in volatile local currencies.
Speed and Cost Advantages of On-Chain Settlement
For affiliate programs running weekly or bi-weekly payout cycles, speed matters. Crypto settlements are typically confirmed within minutes to hours — compared to the 2–5 day window of international bank transfers. On-chain fees, while variable, are often lower than the cumulative cost of wire fees multiplied across a partner base of 100+ recipients.
How INXY's Mass Payout API Works for Affiliate Programs
The INXY affiliate payout workflow is designed to run without manual intervention once integrated:
1. Register your company and pass KYB verification — powered by Sumsub, typically completed within 1–2 business days.
2. Fund your INXY account — deposit BTC, USDT, ETH, or hold EUR/USD and use the buy_crypto flag to auto-convert at payout time.
3. Build your payout batch — compile affiliate wallet addresses, amounts, and optional memo fields. There is no hard cap on the total number of recipients per payout cycle.
4. Submit via the INXY Mass Payouts API — a single REST call with a JSON payload covering your entire affiliate payment run.
5. INXY runs AML/KYT screening automatically on every outgoing transaction — no manual review required from your team.
6. Funds are broadcast on-chain and confirmed — affiliates receive their payouts directly to their wallets.
Webhook callbacks notify your system of each transaction status in real time. No per-transaction dashboards. No manual approvals. No treasury team bottleneck.
Supported Cryptocurrencies for Affiliate Payouts
Bitcoin (BTC)
Bitcoin remains the preferred settlement currency for affiliates in iGaming and high-risk verticals. INXY sends BTC payouts on the Bitcoin mainnet — no Lightning Network at this stage. Settlement time depends on network congestion and the fee tier selected at submission. Affiliates receive BTC directly to any standard Bitcoin wallet address.
USDT (TRC-20 / ERC-20)
USDT is the dominant stablecoin for affiliate compensation — it eliminates volatility risk while preserving the speed and borderless nature of crypto settlement. INXY supports USDT on both TRC-20 (Tron network, low fees) and ERC-20 (Ethereum network). For programs where affiliates prefer stable value, USDT payouts via INXY are the most practical option.
ETH and Other Supported Assets
Ethereum (ETH) and additional crypto assets are supported through INXY's payment infrastructure. Programs can diversify payout currencies based on affiliate preference or treasury composition. INXY's buy_crypto flag means programs can hold EUR or USD in their INXY balance and auto-convert to whichever asset the affiliate batch requires at payout time.
INXY vs Manual Crypto Payouts vs Exchange APIs
Not all crypto payout methods are equivalent. Here's how INXY's Mass Payouts infrastructure compares to alternatives affiliate programs typically try first:
For affiliate programs paying more than 10 partners per cycle, the operational gap between INXY and manual methods compounds rapidly. A single API call replacing 200 individual wallet transactions isn't a marginal improvement — it's a different category of infrastructure.
For affiliate programs paying more than 10 partners per cycle, the operational gap between INXY and manual methods compounds rapidly. A single API call replacing 200 individual wallet transactions isn't a marginal improvement — it's a different category of infrastructure.
Compliance and AML Screening — Built for Regulated Affiliate Programs
Affiliate networks operating in regulated verticals — iGaming, Forex, fintech — face increasing scrutiny on outgoing payment flows. INXY's compliance stack handles this automatically, without requiring programs to build their own AML logic.
KYT Screening on Every Outgoing Transaction
Every crypto payout processed through INXY is screened using KYT (Know Your Transaction) analysis. KYT evaluates the risk profile of recipient wallet addresses — flagging addresses associated with sanctions lists, mixers, or high-risk counterparties — before funds are broadcast on-chain.
Transaction Statuses: Cleared / Pending Review / On Hold
Each transaction is assigned a compliance status automatically: Cleared (processed immediately), Pending Review (flagged for manual review before settlement), On Hold (suspended pending investigation), or in rare cases Seized. Programs receive status updates via webhook, allowing downstream systems to handle edge cases programmatically.
Compliance Documentation for Your Records
INXY generates compliance documentation for all processed transactions. For affiliate programs that need to demonstrate AML controls to regulators, payment processors, or banking partners, this documentation provides an audit trail without requiring programs to build their own reporting infrastructure.
Who Uses INXY for Affiliate Crypto Payouts?
iGaming and Betting Affiliate Networks
iGaming is the highest-volume use case for crypto affiliate payouts. Programs managing hundreds of partners across multiple jurisdictions use INXY to run weekly BTC and USDT payment cycles. We handle payout cycles of any size — from dozens to hundreds of partners — without manual intervention; larger programs run sequential batches. KYT compliance is particularly valuable here, given the regulatory environment iGaming programs operate in.
Forex and Fintech Referral Programs
Forex brokers and fintech companies running IBs (Introducing Brokers) or referral programs use INXY to settle USDT and ETH commissions with partners globally. These programs often have partners in jurisdictions where receiving USD via wire is slow or restricted — crypto settlement sidesteps that friction entirely.
SaaS Partner and Reseller Programs
SaaS companies with global reseller networks use INXY to pay partner commissions in crypto as an alternative to Stripe payouts or wire transfers. The buy_crypto flag is particularly practical here: finance teams hold EUR or USD in the INXY balance, and INXY handles conversion and disbursement at the scheduled payout date — no active crypto treasury management required.
Frequently Asked Questions
How many affiliates can I pay in one batch?
INXY's Mass Payouts API is designed to handle payout cycles of any scale. There is no hard limit on the total number of recipients per cycle — whether you're paying dozens or hundreds of partners, the infrastructure scales to match your program's volume.
Do I need to hold crypto to pay affiliates?
No. If your INXY account holds EUR or USD, you can use the buy_crypto flag on any payout request. INXY will automatically purchase the required crypto at current market rates and disburse it to the recipient batch — without requiring you to manage a live crypto treasury.
Is KYB required to use INXY?
Yes. INXY is a B2B platform and requires KYB (Know Your Business) verification for all accounts. The KYB process is powered by Sumsub and typically completes within 1–2 business days. Individual accounts are not supported.
What cryptocurrencies can I pay affiliates in?
INXY supports BTC (Bitcoin mainnet), USDT (TRC-20 and ERC-20), ETH, and additional crypto assets. Different currencies can be used across different batches depending on affiliate preference and treasury composition.
How does AML compliance work for affiliate payouts?
Every outgoing transaction is screened using KYT (Know Your Transaction) analysis before broadcast. Transactions are assigned a status — Cleared, Pending Review, or On Hold — and INXY provides compliance documentation for all processed payments. Your team receives webhook notifications for any transactions that require attention.
Can I integrate INXY with my affiliate platform or ERP?
Yes. INXY provides a RESTful API with JSON payloads, webhook callbacks, and detailed transaction logs. Integration with affiliate tracking platforms, payroll systems, or ERP/treasury tools is straightforward for any engineering team familiar with REST APIs.
Ready to Automate Your Affiliate Crypto Payouts?
INXY is purpose-built for B2B programs that need reliable, compliant crypto disbursements at scale. Whether you're running a weekly iGaming payout cycle, a monthly Forex IB settlement, or a SaaS partner commission run — INXY's mass payout infrastructure handles the complexity so your team doesn't have to.
Get started at inxy.io — KYB takes 1–2 business days and your first affiliate payout batch can go out the same week.
