Treasury
Settle into a Safe owned by your passkeys and keep it in stablecoins.
Payouts and settlement routing
Settle every product to an account you own.
Point each product at its own destination: your bank account in local currency, your treasury, or a wallet you hold. ChainPal reviews every destination before money can reach it, and nothing waits with us on the way.
Banks in 4 markets0.8% to your bank0% to your wallets
Routing
Where each product settles Live- Checkout and API Bank account ending 4821In naira, name checked ₦125,000.002 min ago
- Payment links Bank account ending 4821In naira, name checked ₦22,500.009 min ago
- Invoices Bank account ending 7730In naira, name checked ₦2,273,625.001 hour ago
- Terminals Bank account ending 4821In naira, name checked ₦18,450.00Just now
- OTC Operating treasuryOperating treasury, your passkeys 64,000.00 USDCYesterday
- Payroll Operating treasuryPay runs are paid from here 5,550.00 USDCRun paid, 1 Oct Payroll is paid from a treasury
Only destinations ChainPal has reviewed can be chosen.
Try it: change a route
Illustrative. Harbourview Markets Ltd is a sample business, and these are sample payouts.
How it works
From your first account to every route, in three steps.
Add the places your money should land, let ChainPal check them, then tell each product where to settle. Every payment then moves straight on, with no ChainPal balance in between.
-
1
Add the accounts you own
A bank account in any of 4 markets, your treasury, or a wallet you hold. For a bank account, the name on it is checked against your business.
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2
ChainPal reviews each one
Nothing can settle into a destination until ChainPal has reviewed it. A wallet you hold also needs a signed proof that your business controls it.
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3
Choose where each product settles
Checkout and API, links, invoices, terminals, OTC and payroll each get a route of their own. Change one and the rest carry on as they were.
Features
Settlement your finance team can sign off.
Every destination is yours, every one is checked, and every product knows exactly where its money goes.
Three kinds of destination
Your bank account, your treasury, or a wallet you hold. Each one belongs to your business, never to ChainPal.
Local currency in 4 markets
Bank payouts in Nigeria, Ghana, Kenya and South Africa, settled in NGN, GHS, KES and ZAR.
The account name is checked
The name the bank holds for each account is checked against your registered business name.
Signed proof for wallets
An external wallet needs a signed proof that your business controls it before anything can settle there.
Reviewed before first use
ChainPal reviews every destination, whether a bank account, a treasury or a wallet, before money can reach it.
A route for every product
Checkout and API, Payment links, Invoices, Terminals, OTC and Payroll can each settle somewhere different.
Test mode stays in test
Testnet coins can never reach a bank, so in test mode settlements go to wallets only.
0% to move stablecoins
Bank payouts cost 0.8%. Settling stablecoins to your treasury or a wallet you hold costs nothing.
In the dashboard
Every destination, checked and accounted for.
See which products settle where, and exactly why ChainPal cleared each account. Pick an account below to see what was checked.
Move moneyPayouts
Live
Payouts
Where your money lands. Every payment settles straight to an account you own.
Add a payout account
Ready to receive4 of 5One wallet is in review
Products routed6 of 6Every product has a route
Paid to your banks October₦38,412,500.00In naira, to 2 accounts
Paid to your treasury October64,000.00 USDCFrom OTC
Payout accountsBanks first
Bank ••4821Ready
Name matches your business
The bank has HARBOURVIEW MARKETS LTD on this account, which matches Harbourview Markets Ltd.
- Kind
- Bank account
- Paid out in
- Nigerian naira
- ChainPal check
- Cleared
- Products settling here
- Checkout and API, Payment links, Terminals
Yours, not ours. Each payment is converted and paid straight into this account.
Bank ••7730Ready
Name matches your business
The bank has HARBOURVIEW MARKETS LTD on this account, which matches Harbourview Markets Ltd.
- Kind
- Bank account
- Paid out in
- Nigerian naira
- ChainPal check
- Cleared
- Products settling here
- Invoices
Yours, not ours. Invoice payments land here and nowhere else.
Operating treasuryReady
Owned by your passkeys
A Safe created by your team. Only your passkeys can sign for it, and ChainPal holds no key to it.
- Kind
- Treasury
- Receives
- Stablecoins, on the network your customer paid on
- ChainPal check
- Cleared
- Products settling here
- OTC, Payroll
Every withdrawal needs a colleague’s approval. How the treasury works
Wallet ••c9e1Ready
Proof of control signed
Your business signed a proof from this wallet, and ChainPal reviewed it before anything could settle here.
- Kind
- Wallet you hold
- Address
- 0x8b2e 41d7 ··· 5f0a c9e1
- ChainPal check
- Cleared
- Products settling here
- None yet
Ready for a route. Choose it for any product from the routing list.
Wallet ••3d7aIn review
ChainPal is reviewing it
The proof of control is signed. Until the review clears, no product can settle here, so nothing is sent somewhere unchecked.
- Kind
- Wallet you hold
- Address
- 0x1c40 9ae3 ··· 0b6e 3d7a
- ChainPal check
- In review
- Products settling here
- None, it cannot be chosen yet
Every destination goes through the same review, including treasuries made here.
Illustrative. Sample payout accounts for Harbourview Markets Ltd, a fictional Lagos supermarket chain.
Works with
One set of routes for everything you run.
Every product you use on ChainPal settles through the routes you set here.
Questions
Payouts, answered.
Setting up routes across several accounts? Write to help@chainpal.org and we will help. Or read why ChainPal is never a custodian.
Does ChainPal hold our money between payment and payout?
No. A payment moves straight on to the destination you set for its product. There is no ChainPal balance in between, and no float held on your behalf.
Where can we be paid out to a bank?
To a bank account in Nigeria, Ghana, Kenya and South Africa, in NGN, GHS, KES and ZAR. The account must be in your business’s name, and the name the bank holds is checked against it. In every market, stablecoins can also settle to your treasury or a wallet you hold.
What does ChainPal check before a destination can be used?
Every destination is reviewed by ChainPal before any money can reach it. For a bank account, the account name is checked against your business. For an external wallet, your business signs a proof that it controls the wallet. Until a destination clears, it cannot be chosen for a product.
Can we use an exchange deposit address as a wallet?
Use a wallet your business holds the keys to. A settlement goes out on the network your customer paid on, and an exchange deposit address often works on one network only, so anything sent on another could be lost.
How much do payouts cost?
Bank payouts cost 0.8%. Settling stablecoins to your treasury or to a wallet you hold costs 0%. There is no setup fee. See all pricing.
Can we try routing before going live?
Yes. In test mode, payments run on Base Sepolia and Celo Sepolia and settle to wallets only, because testnet coins can never reach a bank. When you go live, you add your real accounts and they are reviewed.
Open for business
Build on rails you control.
Open an account, choose where each product settles and take your first payment in digital dollars. No setup fee, and no balance held on your behalf.