Cannabis B2B supply chain payments
How cultivators, processors, distributors, and retailers are eliminating cash from the cannabis supply chain with non-custodial stablecoin settlement.
Cannabis B2B supply chain payments — cultivators, processors, distributors, and retailers — move an estimated $30 billion annually in the US. 30–50% is still transacted in cash due to banking restrictions. Settlr provides non-custodial USDC settlement at 1% flat, enabling instant digital payments across the entire cannabis supply chain without bank interference.
$34B+
US cannabis annual revenue
30–50%
Transacted in cash
38
States with legal programs
62%
Had bank accounts closed
The Problem
Why cannabis B2B payments are broken
Banks won't serve cannabis
Only 4–6% of US banks maintain cannabis banking programs. Account freezes and closures are routine.
5–9% processing fees
High-risk merchant accounts charge 5–9% with rolling reserves of 10–20%. A $500K/month operation pays $25K–$45K monthly.
Cash transport risk
Cannabis businesses are 4–5× more likely to be robbed. Armed transport costs $2,000–$8,000/month per location.
Settlement takes days
High-risk processors settle in 3–7 business days. No weekend or holiday processing. Working capital is trapped.
No B2B wire transfers
NACHA allows banks to reject cannabis ACH transfers. Wire transfers are restricted or unavailable for most cannabis businesses.
Account freeze risk
62% of cannabis businesses had at least one bank account closed in the past year. Payroll and vendor payments halt instantly.
The Solution
Settlr across the supply chain
Every role in the cannabis supply chain faces unique payment challenges. Here's how Settlr solves each one.
Cultivators
Current Pain
Receive cash payments from distributors, requiring armed pickups and manual reconciliation.
With Settlr
Receive USDC instantly via payment links. Cryptographic receipts replace paper invoices.
Processors / Manufacturers
Current Pain
Pay cultivators in cash, deduct processing fees, and struggle with bank access for equipment financing.
With Settlr
Send USDC invoices to cultivators. Pay extraction equipment vendors with stablecoin settlement.
Distributors
Current Pain
Move cash between multiple cultivators and retailers. Highest physical security risk in the supply chain.
With Settlr
Settle all upstream and downstream payments digitally. Eliminate cash transport entirely.
Retailers / Dispensaries
Current Pain
Pay distributors in cash for inventory. Maintain large cash reserves on-site, creating robbery targets.
With Settlr
Pay distributors via Settlr. Reduce on-site cash to consumer retail sales only.
How a B2B cannabis payment works
Create invoice
Distributor creates a USDC invoice for $50,000 of biomass from a cultivator. Both parties are KYB-verified on Settlr.
Supplier receives payment link
Cultivator receives a payment link via email or dashboard. No app download required. Click, review, authorize.
USDC settles in < 2 seconds
USDC moves peer-to-peer from the distributor's Squads multisig vault to the cultivator's wallet. Non-custodial — Settlr never touches the funds.
Cryptographic receipt generated
Both parties receive an on-chain receipt with transaction hash, timestamp, and counterparty verification. Audit-ready, METRC-compatible.
Integrations
Connects to the tools you already use
Settlr integrates with leading cannabis POS and wholesale marketplace platforms so B2B payments flow directly from your existing systems.
Flowhub
POS & Compliance
Trigger B2B settlement from Flowhub POS transactions. Receipts sync back for METRC-compliant reconciliation.
- Invoice generation from POS sales
- Automatic METRC manifest tagging
- Real-time settlement status in dashboard
Dutchie
E-commerce & Ordering
Connect Dutchie wholesale orders to Settlr settlement. When a retailer places an order, the invoice and USDC payment flow are created automatically.
- Wholesale order → invoice automation
- Retailer payment link delivery
- Order status syncs on settlement
LeafLink
B2B Marketplace
Settle LeafLink marketplace transactions in USDC instead of waiting 30–60 days for ACH. Instant finality for every purchase order.
- Replace 30-day net terms with instant USDC
- Purchase order ↔ invoice sync
- Cryptographic receipt for each order
Don't see your platform? Settlr's REST API works with any system. View all integrations →
Cost comparison: $2M annual revenue
Cash Handling
$78K–$195K
Armored cars + labor + insurance + shrinkage
High-Risk Processor
$100K–$180K
5–9% fees + reserves + monthly charges
Settlr
$20,000
1% flat · No reserves · No monthly fees
Frequently asked questions
Get paid faster on wholesale orders
One order-to-cash workflow for invoicing, collections, reconciliation, and instant settlement. Built for cannabis wholesale.