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Stripe stablecoin payouts no longer stop at a crypto wallet. Since 26 October 2026, businesses can send a USDC or OUSD balance straight to bank accounts in nine local currencies, with Stripe routing over Pix in Brazil, Faster Payments in the UK and NIP in Nigeria (Stripe Crypto).
Conversion and payout run through one API, so a business doesn't have to integrate each market on its own (Stripe Crypto).
That turns a stablecoin treasury into a payroll and supplier account. It also makes the payout rail, not the token, the line that decides your cost.
This guide covers what Stripe launched, which rail each currency uses, how long each takes, what a $200 and a $5,000 payout cost on Stripe's published fee schedule, who can get access, and where it falls short.
Key Takeaways
- US businesses can pay out USDC or OUSD balances to bank accounts in ARS, BRL, COP, EUR, GBP, MXN, NGN, PHP and USD (Stripe docs).
- Each currency rides one rail: Pix, SEPA, SPEI, NIP, Faster Payments, ACH or Fedwire, local transfer, or SWIFT for PHP (Stripe docs).
- List pricing is a per-payout fee plus a 0.50% or 1.00% FX fee, depending on the currency (Stripe pricing).
- On a $200 payout, Stablecoin Insider's math gives $4.50 to Brazil by Pix but $27.00 to the Philippines by SWIFT (Stripe pricing).
- Bank payouts are in private preview; crypto wallet payouts are in public preview in 160+ markets (Stripe docs).
What Stripe launched on 26 October
Stripe Treasury financial accounts can hold a stablecoin balance in OUSD or USDC, both US dollar-backed, and that balance can receive, store, convert and send funds (Stripe Treasury docs).
Global Payouts now offers two stablecoin paths from that balance. One sends USDC or OUSD to a recipient's crypto wallet. The other converts the stablecoins to a fiat currency and pays the recipient's bank account in local currency (Stripe docs).
The bank path is the news. Stripe converts the stablecoins as part of the payout, so the sender doesn't have to sell the balance into fiat first, and Stripe charges the sender in the balance's currency (Stripe docs).
It extends a plan Stripe first laid out in May 2025, when Treasury started offering dollar stablecoin balances, powered by Bridge, to businesses in 101 countries (Stripe blog).
Stripe stablecoin payouts: currencies, rails and arrival times
The rail depends on the payout currency. Stripe lists nine currencies for stablecoin-funded bank payouts (Stripe docs), and its payout-methods page gives the expected arrival time for US senders by rail (Stripe payout methods).
| Currency | Bank network | Expected arrival (US sender) | Source |
|---|---|---|---|
| USD | ACH or Fedwire | ACH up to 1 business day; Fedwire typically 1 business day | Stripe docs, payout methods |
| EUR | SEPA | Typically 1 business day | Stripe docs, payout methods |
| GBP | Faster Payments | Real-time (seconds to minutes) | Stripe docs, payout methods |
| BRL | Pix | Local rail, typically 1 to 7 days (varies by country) | Stripe docs, payout methods |
| MXN | SPEI | Local rail, typically 1 to 7 days (varies by country) | Stripe docs, payout methods |
| NGN | NIP | Local rail, typically 1 to 7 days (varies by country) | Stripe docs, payout methods |
| ARS | Local bank transfer | Typically 1 to 7 days (varies by country) | Stripe docs, payout methods |
| COP | Local bank transfer | Typically 1 to 7 days (varies by country) | Stripe docs, payout methods |
| PHP | SWIFT | Wire, typically 1 to 7 days (varies by country) | Stripe docs, payout methods |
Stripe's arrival times for local rails are given as a range for all non-US countries, and it notes that timing for bank payouts differs from crypto wallet payouts (Stripe docs). Treat the 1 to 7 day range as the outer estimate and test each corridor.
The odd one out is the Philippines. It's the only currency on the list that goes by SWIFT, and that choice shows up in the fee math below.
What Stripe charges for a stablecoin-funded bank payout
The stablecoin payout docs point to Global Payouts pricing for fees (Stripe docs). That schedule has three parts: a fixed per-payout fee, an FX fee as a percentage of the amount converted, and a platform fee on volume above 1M USD a month (Stripe pricing).
| Destination rail | Per-payout fee | FX fee on the currency | Source |
|---|---|---|---|
| US ACH next day / same day | 0.50 USD / 1.00 USD | USD 0.50% | Stripe pricing |
| US Fedwire | 25.00 USD | USD 0.50% | Stripe pricing |
| Eurozone SEPA | 0.50 EUR | EUR 0.50% | Stripe pricing |
| UK Faster Payments | 0.50 GBP | GBP 0.50% | Stripe pricing |
| Other local rails (Pix, SPEI, NIP, ARS, COP) | 2.50 USD for a US sender | MXN 0.50%; BRL, NGN, ARS, COP 1.00% | Stripe pricing |
| SWIFT (PHP) | 25.00 USD for a US sender | PHP 1.00% | Stripe pricing |
Stripe applies the higher of the two currencies' FX rates, whichever way the conversion runs. Twenty currencies, including USD, EUR, GBP and MXN, sit at 0.50%, and all 135 others are 1.00% (Stripe pricing).
One caveat. Stripe doesn't publish a separate line for converting USDC or OUSD into fiat, and it shows an estimated received amount that can change with the exchange rate at completion (Stripe docs). Treat the schedule as list price and check the payout screen before you send.
Worked example: a $200 and a $5,000 payout on each rail
Stablecoin Insider applied Stripe's self-serve fee schedule for a US sender to two payout sizes. Figures assume the FX fee applies to the full amount at the destination currency's rate, and exclude any custom pricing (Stripe pricing):
| Destination | Fee on $200 | Fee on $5,000 | Source |
|---|---|---|---|
| Brazil (BRL, Pix) | $4.50 (2.25%) | $52.50 (1.05%) | Stripe pricing |
| Mexico (MXN, SPEI) | $3.50 (1.75%) | $27.50 (0.55%) | Stripe pricing |
| Nigeria (NGN, NIP) | $4.50 (2.25%) | $52.50 (1.05%) | Stripe pricing |
| Argentina or Colombia (local) | $4.50 (2.25%) | $52.50 (1.05%) | Stripe pricing |
| Philippines (PHP, SWIFT) | $27.00 (13.50%) | $75.00 (1.50%) | Stripe pricing |
| Eurozone (EUR, SEPA) | 0.50 EUR + $1.00 | 0.50 EUR + $25.00 | Stripe pricing |
| UK (GBP, Faster Payments) | 0.50 GBP + $1.00 | 0.50 GBP + $25.00 | Stripe pricing |
The pattern is clear. On a $5,000 supplier payment, every route costs from just over 0.50% (SEPA and Faster Payments) to 1.50% (SWIFT). On a $200 contractor payment, the Philippines route costs $27.00 because the 25.00 USD SWIFT fee is fixed (Stripe pricing).
That's six times the $4.50 a Brazilian contractor costs on Pix for the same $200 (Stripe pricing).
The other path: stablecoin payouts to crypto wallets
Crypto wallet payouts are in public preview and reach recipients in more than 160 markets. USDC goes out on Arbitrum, Avalanche C-Chain, Base, Ethereum, Optimism, Polygon, Solana, Stellar and Tempo; OUSD on Base, Ethereum, Solana and Tempo (Stripe docs).
Those payouts typically arrive within minutes. They're available to US businesses except those located in New York, which can sign up to be notified (Stripe docs).
Don't confuse either path with Stripe Connect stablecoin payouts. That separate private preview lets US platforms pay connected accounts in USDC while the platform balance stays in fiat (Stripe Connect docs).
Who can use it and how to send one
Payouts with stablecoins are available only to businesses located in the US, and the bank path is a private preview with a request-access form (Stripe docs). Availability also depends on your account's access and the recipient's country.
In the Dashboard, the flow is: add a recipient with their country, type (company or individual) and bank details, then go to Payouts, click Send, pick the recipient's bank account method, check the details and submit (Stripe docs).
For code, Stripe recommends the Payout Intents API, which handles failed attempts on the same object and supports manual confirmation, over the lower-level Outbound Payments API. Live requests need a restricted API key, because full-access live secret keys don't work with Global Payouts (Stripe docs).
US senders can push up to 1,000,000 USD per standard payout and 10,000,000 USD per wire. Some receiving currencies also carry their own caps and minimums (Stripe payout methods).
How it compares with other stablecoin off-ramps
For a business already holding USDC on Stripe, the main advantage is one balance and one API for nine currencies. Stablecoin Insider's guide to off-ramping USDC to ACH or wire covers the dollar-only version of the same job.
Businesses that need more currencies, higher volume or a non-US entity should compare dedicated providers in the best institutional stablecoin on/off-ramp providers.
If you're still on the receiving end, Stablecoin Insider's guide on how to accept stablecoin payments on Stripe covers checkout. Payouts close the loop: get paid in stablecoins, then pay out in local currency.
Where it falls short today
Three limits stand out. It's US-business only, the bank path is gated behind a private preview, and Asia is thin: the Philippines is the only Asian currency, and it rides SWIFT (Stripe docs).
Stripe's roadmap lists PEN, CLP, BOB, PLN, RON and NZD as the next offramp currencies for Treasury, also in private preview (Stripe roadmap). Its Sessions 2026 rollout list also named ZAR, KES, GHS, NOK, DKK, SEK and VND for a Q3 private preview (Stripe Sessions).
Not every currency on that list is live yet, so plan around the nine that are documented today.
FAQ
What are Stripe stablecoin payouts?
They're Global Payouts funded from a USDC or OUSD balance in Stripe Treasury. Funds go to a crypto wallet or, after conversion, to a bank account in local currency (Stripe docs).
Which currencies can I pay out from a stablecoin balance?
Nine: ARS, BRL, COP, EUR, GBP, MXN, NGN, PHP and USD. Each one uses a set rail, such as Pix for BRL or SPEI for MXN (Stripe docs).
How much does a Stripe stablecoin payout to a bank cost?
Stripe points to Global Payouts pricing: a per-payout fee from 0.50 USD on ACH to 25.00 USD on SWIFT, plus a 0.50% or 1.00% FX fee (Stripe pricing).
Do I need to convert USDC to dollars before paying out?
No. Stripe converts the stablecoins as part of the payout and charges you in your balance's currency (Stripe docs).
Can businesses outside the US use it?
Not yet. Payouts with stablecoins are available only to businesses located in the US (Stripe docs).
How fast do the payouts arrive?
Faster Payments is real-time, ACH and SEPA typically take up to 1 business day, and other local rails and SWIFT typically 1 to 7 days (Stripe payout methods).
What to watch next
Watch for three things: the bank path moving from private to public preview, the roadmap currencies going live, and the Philippines moving from SWIFT to a local rail (Stripe roadmap).
If you already hold USDC on Stripe and pay contractors in Brazil, Mexico, Nigeria, Europe or the UK, request access now and run one small payout per corridor. Check the estimate against what actually lands, then move the payroll run.
Comparing ways to move money across borders on stablecoin rails? See the Stablecoin Insider ranking of the best stablecoin FX platforms for cross-border payments.
This content is provided for informational and educational purposes only and does not constitute financial, investment, legal or tax advice. Fees, rails, limits and availability can change; the Stripe pages quoted here were read on 2 November 2026, and the cost tables in this article are Stablecoin Insider's own arithmetic on Stripe's published Global Payouts list prices, not a quote for any payout. It is not a recommendation to buy or sell any token, including USDC or OUSD, and no material herein should be interpreted as an endorsement or solicitation.
