Supported Payout Flows
Supported Payout Flows
Coinflow offers two flexible payout models designed to support a wide range of business needs:
1. Merchant Payout
In a Merchant Payout flow, the merchant maintains a wallet balance that serves as the single source of funds for user payouts. This setup is ideal for platforms that directly manage user balances or are paying their users.
Wallet Options
Merchants can choose from two wallet configurations:
-
Coinflow In-App Wallet (Recommended for most customers)
A hosted wallet solution managed by Coinflow, offering a simple interface and multiple funding options. -
Bring Your Own Wallet (Recommended for crypto-native merchants)
Merchants can use an external USDC-compatible wallet. Wallet management and funding remain the merchant’s responsibility.
Funding the Merchant Wallet
If using the Coinflow In-App Wallet:
Merchants can fund their wallet via:
-
Sending USDC on Solana
Request a deposit address from Coinflow, send USDC, and share the transaction hash and amount for confirmation. -
Wiring Fiat Funds
Contact Coinflow to receive wire instructions. Coinflow will convert the funds into USDC and credit them to the merchant’s wallet.
If using Your Own Wallet:
Merchants must directly fund their wallet with USDC. Coinflow does not manage or top up external wallets.
2. User Custodial Payout
In a User Custodial Payout flow, the end-user’s custodial wallet is the source of funds. Coinflow facilitates the off-ramp by converting stablecoins (e.g., USDC) to fiat and delivering the payout to the user’s linked bank account or debit card.
This model is best for platforms—such as gaming ecosystems or DeFi apps—where users are crypto-native and control their own wallets.
