Non-custodial B2B settlement for the debanked
One API call. USDC settles to your vendor's wallet in under a second. Non-custodial multisig, no bank interference, no chargebacks. Built for cannabis and high-risk B2B.
How it works
Three steps. Under a second.
Call the API
Send a settlement with one SDK call — just a wallet address and an amount in USDC. We handle gas, multisig, and finality.
await offbank.settle({
to: "worker@email.com",
amount: 50,
currency: "USDC"
});Recipient gets an email
They click a link to claim their payment. An embedded wallet is created automatically — no app download, no seed phrase, no crypto knowledge.
Settled instantly
USDC arrives in under one second. Recipients can hold it, offramp to local currency via MoonPay or Coinbase, or transfer to any wallet.
Why stablecoin payments
Traditional payments are expensive, slow, and limited
Stablecoin payments remove the middlemen. No correspondent banks, no FX desks, no 3-day settlement windows. Just USDC moving from your platform to your recipient — instantly.
From 1% per transaction
No wire fees ($25+), no FX markup (3-5%), no receiving fees. Stablecoin payments are radically cheaper than every alternative.
Settled in under 1 second
Not 3-5 business days. Not 24 hours. Under one second. Recipients access funds immediately.
No geographic restrictions
Settle with any vendor who has a Solana wallet. No bank account required. No SWIFT codes. No intermediaries.
Non-custodial — we never hold funds
Payments flow directly via on-chain smart contracts. Offbank never takes custody of your money or your recipients' money.
Built for scale
Everything you need to send stablecoin payments
Wallet-based delivery
Vendors receive directly to their Solana wallet. Non-custodial, no intermediaries.
Batch settlements
Upload a CSV or use the API to send hundreds of settlements at once. All settled in seconds.
Recurring settlements
Set up recurring settlements that trigger automatically. Ideal for vendor and contractor payments.
TEE-private receipts
Transaction amounts are hidden during processing using MagicBlock PER. Only sender and recipient can view details.
On-chain audit trail
Every stablecoin payment is recorded immutably. Full transparency for compliance and accounting.
Gasless for recipients
We cover all network fees. Recipients never pay gas — stablecoin payments are free to receive.
Offbank vs traditional payment methods
| Offbank | Wire Transfer | PayPal | Stripe Connect | |
|---|---|---|---|---|
| Fee | From 1% | $25-50 | ~5% | 0.25%+$0.25 |
| Speed | < 1 second | 3-7 days | 1-3 days | 2-7 days |
| Countries | 180+ | Most | ~100 | 47 |
| Bank needed | No | Yes | Yes | Yes |
| Custodial | No | Yes | Yes | Yes |
Who sends payments with Offbank
Any business in a debanked or high-risk industry.
Start sending stablecoin payments today
One SDK. One API call. Instant USDC payments to anyone with an email address. Go live in under 30 minutes.