Stablecoin payouts

A stablecoin payout sends your balance to a wallet instead of your bank account. You choose it per currency: your EUR balance pays out in EURC and your USD balance pays out in USDC. Payouts keep the same schedule as bank payouts, the 1st and the 15th of each month. See Payouts.

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Who can be paid in stablecoins

Stablecoin payouts are switched on per account, after your account has paid you once by bank. Open Balances, then the Payout accounts tab. The Stablecoin payouts card lists three conditions and ticks each one when you meet it:

1. Business verified and identity check passed, the same as for any payout. See Verify your business.
2. Bank account ready for payouts: a bank account that shows Ready for payouts (the name check passed). See Add a bank account.
3. First bank payout received: at least one bank payout to that account.

Under the list, the card counts the conditions: “0 of 3 done. Ask us when all three are ticked.” The Go live page shows the same count on its Stablecoin payouts row. When all three are ticked, click Ask us, or write to contact@agentaos.ai. AgentaOS switches stablecoin payouts on for your account, usually the same day. The card then shows On and the button Add wallet. Until then, the API answers “Wallet payouts are not open for this account.” If your country has no local bank route, so that a bank payout can only travel by Swift (the countries marked on Supported countries), the card has one condition: Business verified and identity check passed. Click Start the identity check on the card, in live mode. AgentaOS can switch stablecoin payouts on without the bank payout in that case.

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Networks

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Add a wallet

AgentaOS checks the address before it saves it. It refuses an address that is not valid on the network you chose, the burn address, and the contract address of a USDC or EURC token. Anything sent to those addresses cannot be recovered. AgentaOS sends your answer to Who holds this wallet with each payout, as part of the information that crypto transfers must carry about the sender and the receiver.

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Pay a currency to the wallet

Saving a wallet does not move your payouts to it. Your bank account keeps receiving them until you choose the wallet:

1. On the wallet’s row, click Use for EUR payouts or Use for USD payouts.
2. The row then shows “Pays your EUR payouts.” (or USD).

If you have no bank account in that currency and have not chosen a wallet, that currency is not paid out. To return to your bank account, click Switch back to bank on the wallet’s row. If you remove the wallet that pays a currency, that currency goes back to your bank account.

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The 24-hour wait

AgentaOS does not pay a new wallet until 24 hours after you save it. Until then, its row shows Payable from and the date. After that, it shows Ready for payouts. If a payout window falls inside those 24 hours and the wallet pays that currency, the payout waits for the next window. It does not go to your bank account instead. You cannot edit a wallet’s address, network or currency. To use a different address, add a new wallet. The new wallet gets its own 24-hour wait.

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Fees

A stablecoin payout carries two fees, both listed on the payout statement:

• Payout fee: the same as a bank payout. See Payouts.
• Wallet corridor fee: 1% of the amount paid out, plus €2 or $2, plus the cost of the bank transfer that funds the stablecoin payout. The network fee is included.

On You ask, the Payouts tab shows what you would receive today and the fees before you request the payout.

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Next steps