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A platform holds USDC in a treasury wallet and needs to pay out to dozens or hundreds of recipients across different countries. Each recipient gets their local currency via ACH, wire, or SWIFT. OMS handles conversion and delivery per recipient in parallel, from a single disbursement run. This replaces the operational overhead of managing multiple banking relationships and currency accounts. One wallet, one API, every corridor. Who this is for:
  • Gig economy platforms paying drivers, couriers, or freelancers across markets
  • Global payroll providers managing contractor payments in multiple currencies
  • Marketplaces that settle earnings to international sellers on a weekly or monthly basis

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How it works

Per-recipient disbursement
1App→OMSPOST /quotes per recipient (treasury wallet → recipient bank)
2OMS→AppRate + fee per recipient locked for confirmation window
3App→OMSPOST /transactions per recipient (execute quoted disbursement)
4OMSPulls USDC from treasury, initiates ACH/wire/SWIFT per recipient
5OMS→AppWebhook: cryptoToFiat.completed per transaction
Each payout is a separate quote-and-execute pair. All quotes for a disbursement run can be created in parallel. Idempotency keys on each transaction make retries safe if a run is interrupted.

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OMS resources

ResourceRole
Platform walletCentral USDC treasury that funds all disbursements
Customer (per recipient)Identity record for each payee
External account (per recipient)Registered bank account for delivery
QuoteLocked rate + fee for one recipient’s payout
cryptoToFiat transactionExecutes one recipient’s disbursement
Bulk payouts are under active development and not yet available in the OMS API. To be notified when it launches, register your interest.

Register interest

Share your use case and we’ll reach out when bulk payouts are available.