Supported Payout Flows
Supported Payout Flows
Coinflow offers two flexible payout models designed to support a wide range of business needs:
- Merchant Payout - Described below
- Direct User Withdrawal - Users withdraw funds directly from balances they control. (Advanced: for crypto-native platforms.)
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 Balance (Recommended for most platforms)
A funded account hosted by Coinflow. Fund it by bank wire or other supported methods; Coinflow handles everything required to deliver payouts.
Advanced: Crypto-Native Merchants — Bring Your Own Wallet
- Bring Your Own Wallet
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 Balance:
Merchants can fund their balance via:
- Wire transfer
Contact Coinflow for wire instructions and we’ll credit your Coinflow balance.
Advanced: Fund with USDC on Solana
- Sending USDC on Solana
Request a deposit address from Coinflow, send USDC, and share the transaction hash and amount for confirmation.
Advanced: Funding a BYO Wallet
If using Your Own Wallet:
Merchants must directly fund their wallet with USDC. Coinflow does not manage or top up external wallets.
Advanced: Direct User Withdrawal
2. Direct User Withdrawal
In a Direct User Withdrawal flow, the end-user’s own balance is the source of funds. Coinflow delivers the payout to the user’s linked bank account or debit card.
This model is best for platforms where users hold and manage their own balances.