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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. Recipients without a bank account can be paid out to physical cash, covered in Cash disbursements below. 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

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Cash disbursements

Recipients without a bank account can be paid out to physical cash. OMS converts the wallet balance, issues a time-limited pickup code, and the recipient collects bills at a retail counter or ATM. This is the disbursement counterpart to cash-in funding: together they form a complete cash loop, accepting cash into digital wallets and paying digital balances back out as cash. A cash disbursement uses the same payout model as a bank transfer. Instead of an external bank account, the destination is a cash network, and the recipient redeems a pickup code rather than receiving an ACH or wire.
Cash disbursement flow
1App→OMSPOST /quotes (USDC → USD / cash)
2OMS→AppPulls USDC from wallet, issues time-limited pickup code + nearest location
3Recipient→RetailPresent code at counter or ATM, collect cash
4OMSAutomatically refunds the USDC to the wallet if the code expires unused
Cash disbursements suit US fintech apps paying customers who prefer cash over ACH or card, remittance recipients in cash-dependent corridors, and relief or gig platforms paying recipients without bank accounts.
Bulk payouts and cash disbursements are under active development and not yet available in the OMS API. To be notified when they launch, register your interest.

Register interest

Share your use case and we’ll reach out when these payout rails are available.