CBD, Hemp & Botanical
Payments that don't get frozen mid-launch.
CBD, hemp-derived cannabinoids, kratom, kava, and adjacent botanicals are technically legal, but processors keep treating you like you aren't. Settle in USDC instead. 1% flat. Cash out to USD on your schedule.
1%
Flat fee, vs 4–9% high-risk
<5s
Settlement finality
0
Custody / freeze risk
Why traditional rails fail you
Banks, processors, and money movers weren't built for the friction your category deals with daily.
Stripe and Square shut you down
One TRO from compliance, one back-end policy update, and your processor disappears. Funds held 90+ days while you scramble for a backup.
High-risk processors charge 4–9%
Even if you find one that'll keep you, the fee stack, discount rate, monthly, chargeback reserve, eats most of your margin.
Banks deboard with no notice
30 days to find new banking. Try opening a new business account when 'CBD' is in your filings.
B2B wholesale is still cheques and ACH
Distributor pays you 60+ days late. You float inventory while their AR team 'looks into it'.
How Offbank fixes it
Non-custodial USDC settlement on Solana. 1% flat. Cash out to USD via Sphere whenever you need it.
1% flat, every transaction
No tiered pricing. No reserves. No monthly. One percent, on the invoice, on the wholesale order, on the affiliate payout.
Non-custodial, no one can freeze you
Funds settle peer-to-peer in USDC on Solana. Offbank never holds them. There is no account to close.
Cash out to USD via Sphere
ACH, wire, or SEPA on demand. Move USDC → USD into your operating bank in 1–2 business days.
Built for compliance scrutiny
KYB, OFAC screening, BSA/AML monitoring, and on-chain receipts. Auditable trail for every settlement.
Where operators use it
- DTC CBD brands paying out affiliate and influencer commissions
- Hemp-derived THC (Δ8/Δ9/HHC) wholesalers settling distributor invoices
- Kratom and kava brands cut off by Stripe / Shopify Payments
- Smoke-shop and head-shop B2B suppliers replacing cheques
- Botanical and nootropic brands serving subscribers post-deboarding
- Cross-border hemp suppliers paid in USDC instead of wire
Built for regulated, scrutinised commerce.
KYB, OFAC screening, BSA/AML monitoring, and on-chain auditability on every settlement and every counterparty.
- KYB verification on every business, operator + counterparty
- OFAC and PEP screening before any settlement leaves
- BSA/AML transaction monitoring with thresholds and alerts
- On-chain audit trail, every settlement timestamped and signed
- GENIUS Act 2025 stablecoin framework alignment
- Non-custodial, Offbank holds no merchant funds at any point
Common questions
Is CBD/hemp settlement on Offbank legal?
Yes. Hemp-derived CBD and cannabinoids under 0.3% Δ9-THC are federally legal under the 2018 Farm Bill. Offbank doesn't custody funds or transmit money, settlement is peer-to-peer in USDC on Solana. We KYB every business, screen counterparties, and monitor for BSA/AML compliance.
Do my customers need a wallet?
No. Counterparties claim invoices via email link, verify, and receive USDC. They can cash out to USD via Sphere whenever they want. The crypto layer is invisible to the buyer.
What about Δ8 / Δ9 / HHC and other hemp-derived cannabinoids?
Same answer: federally legal under the Farm Bill, but processors hate it. That's exactly the friction Offbank is built to remove. We onboard hemp-derived cannabinoid brands every week.
How fast can I cash out USDC to USD?
Sphere off-ramp via ACH typically 1–2 business days. Wire same-day for higher amounts. SEPA for EU. You control when, there's no hold, no reserve.
Get paid in seconds, even when banks won't.
Self-serve onboarding. KYB in minutes. 1% flat. No custody.
Get Started