Mass payout is the unglamorous half of stablecoin payments. Anyone can send one USDC transfer. Paying 5,000 creators, contractors, or merchants every Friday with KYC pass-through, country routing, and a single API call is a different sport. The providers worth shortlisting in 2026 are the ones that handle the boring parts: recipient onboarding, local payout rails, batch retries, and audit-friendly reporting.
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This guide compares nine B2B platforms that route stablecoin payouts at scale, with batch limits, supported assets, fees per recipient, regions, KYC pass-through, settlement time, and API quality. Pricing reflects published rate cards and partner disclosures as of May 2026 and is subject to volume discounts.
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A mass payout platform accepts one stablecoin deposit (or a fiat balance) from a business and disburses it as many parallel payouts to recipients. The recipient may receive stablecoins to a wallet, fiat to a bank account, or a card credit. The provider handles KYC, sanctions screening, FX, local rails, and reporting. Without that layer, a business is reconciling Travel Rule data and SWIFT codes by hand.
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Each provider below was scored on seven criteria: maximum batch size per API call, supported stablecoins, payout regions, fee per recipient, whether KYC can be passed through to the platform, settlement time from deposit to recipient credit, and API and SDK maturity. Numbers come from each provider's public docs and pricing pages. Volume tiers and enterprise contracts usually unlock lower fees than the rack rate quoted here.
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Bridge is the rail Stripe acquired in October 2024 and now resells inside Stripe Connect. As a standalone API it remains the lowest-friction way to move USD into stablecoins, push payouts globally, and receive local fiat back. The mass payout endpoint accepts up to 10,000 recipients per batch with idempotency keys, and hosted KYC links can be sent per recipient so the customer never touches PII. Bridge supports payouts to 100+ countries with local rails in Brazil (PIX), Mexico (SPEI), India (UPI), the EU (SEPA Instant), and the US (ACH and FedNow). Fees are 0.1% for onchain transfers and roughly 1% for fiat-out conversions. Documentation lives at apidocs.bridge.xyz.
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BVNK runs an EMI license in the UK and an MFSA license in Malta, so it can hold customer fiat balances and issue MiCA-compliant EMT payouts inside the EU. It supports USDC, USDT, EURC, and PYUSD, and batches up to 5,000 recipients per call. Settlement to SEPA Instant lands inside ten seconds in most EU corridors, with Faster Payments same-day in the UK. Fees are 0.5% to 1.5% blended depending on corridor and volume. BVNK is the default pick when a payer needs MiCA coverage from day one. See bvnk.com/developers.
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Conduit specializes in corridors where traditional banking is slowest. Real-time PIX payouts in Brazil, SPEI in Mexico, and direct integrations in Colombia, Argentina, Nigeria, Kenya, and South Africa make it the option when the recipient list skews toward emerging markets. Batches max at 2,000 per call, fees run 0.5% to 1.0% per leg, and KYC is handled through regional partners. Conduit publishes corridor latency at conduit.financial.
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Sphere targets US payroll and contractor use cases first, with ACH same-day, RTP, and FedNow as default rails. It supports USDC payouts to wallets in parallel with fiat, batches up to 1,000 per call, and embeds KYC inside a hosted flow. Pricing is a flat 0.75% blended. Sphere is the lightest integration if the payout list is mostly US-based. Docs at sphere.com/docs.
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MoonPay is best known for onramps, but its payouts API covers the widest country list of any provider here. Recipients can receive USDC or USDT to a wallet, fiat to a bank account, or a credit to a Visa debit card in minutes. The trade-off is price: 1.0% to 2.5% per recipient depending on payout method and country. Batch size is capped at 500 per call. KYC is handled inside MoonPay's existing user database. See moonpay.com/business.
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Stripe added stablecoin payouts to Connect in 2024 after acquiring Bridge, and it remains the default option for any business already on the Stripe stack. Payouts can be denominated in USDC on Ethereum, Base, Solana, or Polygon, and Stripe handles 1099 reporting, sanctions screening, and tax form collection through Connect. Batches scale to 20,000 transfers per request. Fees are 1.5% origination with no separate network fee. Stripe is the fastest path for any team that wants stablecoin payouts without leaving the Stripe dashboard. See docs.stripe.com/crypto.
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Privy is an embedded-wallet provider, not a payout platform. Paired with Bridge, it becomes a way to spin up a custodial or self-custodial wallet for every recipient, then settle into that wallet or off to fiat. The combination is the choice for product teams that want recipients to hold balances and earn yield rather than cash out instantly. Batch size, fees, and KYC inherit from Bridge. Privy docs at docs.privy.io.
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Crossmint covers wallet payouts in 197 countries (anywhere a recipient can hold a wallet) plus fiat-out in 40+ countries through partners. It supports USDC, USDT, PYUSD, and EURC, and offers a no-code dashboard alongside the REST API. KYC is optional and can be turned on per program through Persona. Fees are 0.5% to 1.0%. Crossmint is the strongest fit for marketplaces and gaming where recipients prefer wallet balances. See docs.crossmint.com.
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OmniSend wraps Beam Wallet's B2B rails into a payout API focused on the EU, UK, MENA, and Southeast Asia. It supports USDG (the Global Dollar issued by the Global Dollar Network) alongside USDC and USDT, batches up to 2,500 recipients, and settles into SEPA Instant or local MENA rails. Blended fees of 0.4% make it the lowest-cost option for EU-heavy recipient lists. Documentation is at developers.beamwallet.com.
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Start with the recipient list. If 70% of recipients sit in one region, pick the provider with the deepest local rails there: Conduit for LATAM, BVNK for the EU, Sphere for the US, MoonPay for true global reach. If the team is already on Stripe, the integration cost of Stripe Connect almost always beats the savings from a cheaper standalone API. If recipients want to hold balances rather than cash out, Privy plus Bridge or Crossmint give them wallet-native flow. Re-run the fee model at projected annual volume because every provider on this list discounts heavily above $10M.
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Pricing and feature claims come from each provider's published documentation and pricing pages as of May 2026: apidocs.bridge.xyz, bvnk.com/developers, conduit.financial, sphere.com/docs, moonpay.com/business, docs.stripe.com/crypto, docs.privy.io, docs.crossmint.com, and developers.beamwallet.com. Stripe's acquisition of Bridge was confirmed by Stripe's October 20, 2024 press release. MiCA EMT rules referenced are from ESMA's Q4 2024 implementation guidance. Volume and corridor data was cross-checked against each provider's case studies, not third-party rankings.
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