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Automated Payouts

Overview​

Automated Payouts

Accept deposits in crypto or stablecoins, and automatically payout fiat to a business or customer.​

Leverage NOAH's payments orchestration engine to detect when crypto or stablecoins arrive in your account and trigger an automatic fiat payout through the Global Payouts API. Your business can create a rule through our API, where you will receive a Deposit Address for your chosen currency. This can be displayed to your customer as a QR code or blockchain address and deposits matching the conditions set will create a payout transaction to your chosen customer.

For instructions on integrating with this automated flow, see the Automated Payouts recipe page.

Automated Payout Flows​

To execute this flow, you can create a rule against your desired crypto account, which will take effect when your customer makes a deposit. A rule consists of a trigger, conditions and actions. These API Concepts are flexible and can be used to support a variety of use cases.

  • Trigger - this is activated as a result of crypto or fiat landing into one of your NOAH Accounts, in this case a crypto deposit.
  • Condition - a requirement, or set of requirements, that need to be met for the Action to be executed, in this case the Source Wallet Address is used to identify the inbound transaction.
  • Action - this can be a financial transaction, webhook or service call which is executed as a result of the Trigger & Conditions activating successfully.

You can choose to absorb the fees or pass these onto your customer. Reconcile the full set of executed transactions, from a crypto deposit, in the business dashboard.

Prepare Your Payout​

  • Add your recipient to our system by passing simplified details about their identity or business.
  • Select the chosen payout country and currency, to retrieve a list of compatible Channels (payment options) with their attributed fees and settlement times.
  • Provide the details required to complete the payment by rendering our Dynamic Form or by providing existing data on the customer's payment details.
  • Receive a real-time estimate for the currency exchange, which can be presented to your customer including or excluding the fees, depending on whether you choose to absorb the cost.

Create Your rule​

  • Create a rule, providing the session details of the payout you've created.
  • Configure your triggers and conditions to identify an inbound crypto deposit by the Source Address of the sender wallet.
  • Add an action which specifies the payout method you have chosen.
  • You will receive a deposit address which can be rendered as a QR code, or copied for your customer's onchain deposit.
  • You will receive a webhook notification once your customer makes a deposit, and another webhook once the payout transaction has been created.

Key Advantages​

  • Automatic Disbursement: Trigger transactions automatically as a result of a customer deposit.
  • Flexible Rules: Configure Rules to your needs, adding conditions and actions which can orchestrate an automated payment flow.
  • One Integration, Global Access: Integrate once to unlock all available jurisdictions throughout our growing network of payment methods and redundancies.
  • Simplified KYC Processing: Choose between a customer KYC-share with NOAH or utilise NOAH's global compliance & licensing framework to handle customer KYC collection. See KYC & Identity Verification.
  • Real-Time, Transparent Pricing: Access real-time exchange rates that align with mid-market rates from top currency exchanges.
  • Flexible Settlement: Payouts funded by instant settlements from your reserve balance, or from customer crypto deposits.
  • Customisable Fees: Fully or partially absorb costs, or pass fees onto your customers.
  • Instant Settlement & Processing: Settle instantly on NOAH's ledger or onchain, where all your disbursements are processed instantly.

Integration Types​

Automated Payouts are offered as a white-labeled solution, providing flexibility to suit your needs.

  • White-Label Integration: Integrate with a single back-end endpoint to accept fiat payments via bank transfers directly within your application. This solution offers full control of user flows and branding, making it easy to add fiat payments to your platform capabilities.

Supported Methods​

The Global Payouts API supports the following payment methods, networks and currencies:

Payout Methods​

  • Bank Transfer
  • Real-Time Payments Systems, e.g. PIX
  • Mobile Money
  • Digital Wallets
  • Cash Pick-Up
  • Card Payouts (available via Hosted Offramp)
  • ACH, Wire, RTP & FedNow (coming soon)

Currencies and Networks​

Digital CurrenciesBitcoinLightningEthereumPolygonTRONStellarSolanaCelo
BTC✓✓
USDC✓✓✓✓✓
USDT (coming soon)✓✓✓✓✓✓
cUSD (coming soon)✓

Supported Countries​

Further countries and currencies are also available for card payouts via Hosted Offramp, the following countries are supported as part of the white-labeled solution:

APAC​

CurrencyCountry
AUDAustralia
NZDCook Islands
FJDFiji
HKDHong Kong
INRIndia
IDRIndonesia
MYRMalaysia
NZDNew Zealand
PHPPhilippines
WSMSamoa
SGDSingapore
KORSouth Korea
THBThailand
TOPTonga
AEDUAE
VUVVanuatu

AFRICA​

CurrencyCountry
XOFBenin
XAFChad
XOFCote D'Ivoire
ETBEthiopia
XAFGabon
GHSGhana
MWKMalawi
NGN, USDNigeria
RWFRwanda
SLLSierra Leone
ZARSouth Africa
XAFThe Republic of Congo
UGXUganda

EUROPE​

CurrencyCountry
EURAustria
EURBelgium
EURCroatia
CZKCzech Republic
DKKDenmark
EUREstonia
EURFinland
EURFrance
EURGermany
EURGreece
EURIreland
EURItaly
EURLatvia
EURLithuania
EURLuxembourg
EURNetherlands
NOKPoland
EURPortugal
RONRomania
EURSlovakia
EURSlovenia
EURSpain
SEKSweden
CHFSwitzerland
TRYTurkey
GBPUnited Kingdom

LATAM​

CurrencyCountry
USDUnited States
ARSArgentina
BRLBrazil
CLPChile
COPColombia
DOPDominican Rep.
USDEcuador
MXMMexico
PYGParaguay
PENPeru
UYUUruguay