> For the complete documentation index, see [llms.txt](https://docs.coindpay.xyz/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.coindpay.xyz/landing/start/customers/pay-ins.md).

# Pay-ins

CoindPay supports multiple [payouts](https://coindpay.xyz/account/payouts) and settlement models to accommodate different liquidity, compliance, and cost requirements across global markets.

<figure><img src="/files/4Z6cemEGWYBq65j25XHJ" alt=""><figcaption></figcaption></figure>

{% hint style="info" %}
Configure the payment method for your Payments Link (see illustration).
{% endhint %}

### Settlement Options

CoindPay supports multiple payout and settlement models to accommodate different liquidity, compliance, and cost requirements across global markets.

#### 1. Fiat Pay-in → Stablecoin Pay-out ✅

**Status:** Liv&#x65;**（\~5–10 minutes）**

* Supports 45+ fiat currencies globally (USD, EUR, GBP, JPY, etc.)
* Settlement to stablecoins (**USDT/USDC** on **EVM** and **SVM** networks
* Near real-time processing

{% hint style="info" icon="badge-dollar" %}
**USDC Settlement**
{% endhint %}

| Primary Wallet | Settlement Chain |
| -------------- | ---------------- |
| **EVM**        | **Base**         |
| **SVM**        | **Solana**       |

{% hint style="info" icon="circle-dollar" %}
**USDT Settlement**
{% endhint %}

| Primary Wallet | Settlement Chain |
| -------------- | ---------------- |
| **EVM**        | **BSC**          |
| **SVM**        | **Solana**       |

**Settlement Flow**

> End-to-End Fiat-to-Stablecoin Payment & Settlement Infrastructure.

<figure><img src="/files/WAvk6G0G7WeapWyokImq" alt=""><figcaption></figcaption></figure>

**Best suited for:**\
Global merchants, cross-border payouts, and scenarios requiring fiat collection with crypto-native liquidity and faster capital efficiency.

<figure><img src="/files/rsecoSgnaKEudgag6nD7" alt=""><figcaption></figcaption></figure>

***

#### 2. Crypto Pay-in → Crypto Pay-out  ✅

**Status:** Liv&#x65;**（\~15 seconds）**

* Supports 12+ major blockchain networks, including Base, Solana, BNB Chain, and others
* Near-instant settlement, typically&#x20;
* Ultra-low network and processing fees
* Fully on-chain, no banking dependency

<figure><img src="/files/TeOi5Bp4CvbVtWAbidd9" alt=""><figcaption></figcaption></figure>

**Best suited for:**\
On-chain native use cases, Web3 applications, real-time payouts, and treasury operations requiring maximum speed and flexibility.

***

#### 3. Fiat Pay-in → Fiat Pay-out ⏳

**Status:** Coming Soon (Under Legal Review & Product Development)

* Settlement via EU and US banking rails
* Expected settlement cycles: **T+3\~7\~15**
* Slower settlement compared to crypto or stablecoin flows, but with lower overall fees

**Best suited for:**\
Cost-sensitive businesses, traditional financial operations, and jurisdictions where fiat-to-fiat settlement is required for regulatory or accounting reasons.

***

#### Settlement Characteristics

* **Crypto and stablecoin settlements are near real-time**, driven by on-chain finality and instant liquidity availability.
* **Fiat settlements depend on banking infrastructure**, including correspondent banks and local clearing systems, which introduces longer settlement cycles.
* For fiat-in → stablecoin or fiat payouts, [Rolling Reserves](/landing/start/partners/rolling-reserves.md) **are mandatory** to ensure risk management and regulatory compliance, especially in EU and US markets.
* While slower, **fiat-to-fiat settlement offers more competitive fees** compared to faster settlement options.&#x20;

***

<figure><img src="/files/5Y02oPS4mcETDk4okHci" alt=""><figcaption></figcaption></figure>

#### Service Fees & Pricing

> **CoindPay Unified Service Fees – All-in-One Pricing Across Payment Rails, Settlement, and Risk Management.**

{% code overflow="wrap" %}

```typescript
Unified Service Fees（Includes chargeback losses (chargeback ratio must not exceed 0.5%, e.g., no more than 5 chargebacks out of every 1,000 transactions, with cumulative chargeback losses not exceeding USD 1,000), banking and payment gateway costs, on-chain gas fees, and CoindPay platform fees), with tiers based on merchant type, fintech partnerships, and payment models.）
```

{% endcode %}

* **Default pricing applies under CoindPay standard fee schedules.**\
  For detailed and up-to-date fee structures across different settlement methods, please **contact the CoindPay Business or Sales team** for confirmation.
* **Fees may vary based on transaction volume, settlement method, jurisdiction, and risk profile.**\
  Final pricing is determined after an initial business review and integration assessment.
* **High-risk merchants or industries are subject to additional review.**\
  For merchants classified as higher risk, CoindPay will conduct a **business and transaction flow audit** (including use case, volumes, and settlement behavior) before confirming applicable fees, limits, or settlement terms.
* **CoindPay reserves the right to adjust fees, settlement cycles, or reserve requirements** based on ongoing risk monitoring, compliance obligations, and operational considerations.