Automated Payout
Transform your crypto-to-fiat operations with NOAH's Automated Payout solution. Accept customer deposits in cryptocurrency and automatically disburse local currency payments worldwide—reducing processing time from days to minutes while cutting operational costs.
Accept deposits in crypto or stablecoins, and automatically payout fiat to a business or customer.
The Business Challenge
Manual crypto-to-fiat operations are killing your efficiency:
- Processing times of 3-7 days frustrate customers and hurt retention
- Manual intervention for every transaction increases operational costs
- Complex multi-step processes create operational bottlenecks
- Limited geographic reach restricts market expansion
- Compliance and regulatory complexity across jurisdictions
- Unpredictable exchange rates and hidden fees impact profitability
Our Solution
NOAH's Automated Payout solution eliminates manual processes by automatically converting crypto deposits into local fiat payments worldwide. When your customer sends cryptocurrency to a designated wallet address, our system instantly triggers a local fiat payout to their chosen destination—no manual intervention required.
How It Works (Business View):
- Customer deposits crypto to a unique wallet address you provide
- System automatically detects the deposit and verifies the sender
- Smart payment rules instantly trigger the appropriate fiat payout
- Local currency is delivered to your customer via their preferred method
- You receive notifications at each step for complete visibility
Our solution leverages NOAH's payments processing platform to detect when crypto or stablecoins arrive in your account and automatically trigger fiat payouts through our Global Payouts network. Your business creates smart rules that generate unique deposit addresses for chosen currencies, which can be displayed to customers as QR codes or blockchain addresses.
Key Business Benefits
Operational Efficiency
- Eliminate manual processing: Reduce staff time spent on routine transactions
- 24/7 automated operations: Process payments around the clock without human oversight
- Instant settlements: Funds available immediately in your NOAH account or settle instantly on blockchain
- Single integration: One system handles global payouts across 60+ countries
- Automatic disbursement: Transactions trigger automatically based on customer deposits
- Flexible settlement options: Choose instant settlements from your reserve balance or direct from customer crypto deposits
Cost Reduction
- Lower operational costs: Reduce transaction processing costs
- Transparent pricing: Real-time exchange rates aligned with mid-market rates from top currency exchanges
- Customizable fee structure: Fully or partially absorb costs, or pass fees to customers
- No hidden charges: Complete fee transparency upfront with real-time estimates
Customer Experience
- Faster payouts: Same-day or instant delivery vs. traditional 3-7 day processing
- Global reach: Serve customers in 60+ countries with local payment methods
- Multiple payout options: Bank transfers, mobile money, digital wallets, cash pickup
- Real-time tracking: Customers see their transaction status instantly
- Simplified experience: QR codes and blockchain addresses make deposits easy
Business Growth
- Market expansion: Enter new geographic markets without local banking relationships
- Competitive advantage: Offer faster, cheaper payouts than competitors
- Scalable operations: Handle volume growth without proportional staff increases
- Risk management: Built-in compliance and fraud protection
- Global access: One integration unlocks all available jurisdictions throughout our growing network
Use Cases by Industry
Digital Marketplaces
Challenge: Paying sellers globally while managing currency conversion and compliance Solution: Sellers receive crypto from buyers, automatically converted to local currency Benefit: Expand globally without complex multi-currency banking relationships
Cryptocurrency Exchanges
Challenge: Customers want fast fiat withdrawals to local payment methods Solution: Instant crypto-to-fiat conversion with direct delivery to customer accounts Benefit: Improve customer satisfaction and reduce support ticket volume
Gaming & Entertainment Platforms
Challenge: Distributing winnings or payments to global user base Solution: Automated payouts to winners in their preferred local currency and method Benefit: Enhance user experience while reducing operational complexity
Remittance Services
Challenge: Expensive traditional correspondent banking for cross-border transfers Solution: Crypto-enabled transfers with local currency delivery Benefit: Reduce transfer costs while improving speed
Smart Payment Rules System
Our automated system uses intelligent payment rules that consist of three components working together:
- Triggers: Activated when crypto or fiat lands in your NOAH accounts (specifically crypto deposits in this case)
- Conditions: Requirements that must be met for actions to execute, such as identifying transactions by source wallet address
- Actions: Financial transactions, notifications, or service calls executed when triggers and conditions activate successfully
This flexible framework supports various business use cases and can be configured to match your specific operational requirements.
Implementation Overview
Business Requirements
- Timeline: 2-4 weeks from contract to go-live
- Resources: Minimal technical resources required for integration
- Training: Standard onboarding process for your operations team
- Compliance: NOAH handles regulatory requirements across all jurisdictions
Setup Process
Prepare Your Payout:
- Add recipients to our system with simplified identity or business details
- Select payout country and currency to see compatible payment channels with fees and settlement times
- Configure payment details through our dynamic forms or provide existing customer payment data
- Review real-time currency exchange estimates that can be presented to customers with or without fees
Create Your Smart Rules:
- Set up rules using your prepared payout session details
- Configure triggers and conditions to identify inbound crypto deposits by source wallet address
- Add actions specifying your chosen payout methods
- Receive deposit addresses that can be rendered as QR codes or copied for customer deposits
- Get webhook notifications when customers make deposits and when payout transactions are created
What We Handle
- Regulatory compliance across all supported markets with simplified KYC processing
- Currency exchange at competitive mid-market rates
- Local payment processing via established banking partnerships
- Customer verification and KYC requirements (choose between customer KYC-share or utilize NOAH's global compliance framework)
- Risk monitoring and fraud prevention
- 24/7 system monitoring and support
- Complete transaction reconciliation through business dashboard
What You Control
- Fee structure: Choose how to handle transaction costs
- Payment rules: Configure automatic triggers based on your business logic
- Customer communication: Maintain your brand throughout the process
- Settlement preferences: Instant settlements or reserve balance funding
Integration Options
White-Label Solution
Our Automated Payouts are offered as a comprehensive white-labeled solution providing maximum flexibility:
- Complete control: Full control of user flows and branding within your application
- Single integration: Integrate with one back-end endpoint to accept fiat payments via bank transfers
- Seamless experience: Easy addition of fiat payment capabilities to your existing platform
Global Coverage & Payment Methods
Supported Payment Methods
- Bank Transfer: Direct deposits to customer accounts
- Real-Time Payment Systems: Instant transfers like PIX, UPI, and other regional systems
- Mobile Money: Popular across African and Asian markets
- Digital Wallets: PayPal and regional wallet providers
- Cash Pick-Up: Physical locations for unbanked populations
- Card Payouts: Direct to debit/credit cards (available via Hosted Offramp)
- ACH, Wire, RTP & FedNow: Coming soon for enhanced US market coverage
Supported Cryptocurrencies & Networks
| Digital Currencies | Bitcoin | Lightning | Ethereum | Polygon | TRON | Stellar | Solana | Celo |
|---|---|---|---|---|---|---|---|---|
| BTC | ✓ | ✓ | ||||||
| USDC | ✓ | ✓ | ✓ | ✓ | ✓ | |||
| USDT (coming soon) | ✓ | ✓ | ✓ | ✓ | ✓ | ✓ | ||
| cUSD (coming soon) | ✓ |
Supported Countries & Currencies
Our solution currently supports 60+ countries across four major regions. Additional countries and currencies are available for card payouts via Hosted Offramp.
Asia-Pacific (APAC)
| Currency | Country |
|---|---|
| AUD | Australia |
| NZD | Cook Islands |
| FJD | Fiji |
| HKD | Hong Kong |
| INR | India |
| IDR | Indonesia |
| MYR | Malaysia |
| NZD | New Zealand |
| PHP | Philippines |
| WSM | Samoa |
| SGD | Singapore |
| KOR | South Korea |
| THB | Thailand |
| TOP | Tonga |
| AED | UAE |
| VUV | Vanuatu |
Africa
| Currency | Country |
|---|---|
| XOF | Benin |
| XAF | Chad |
| XOF | Cote D'Ivoire |
| ETB | Ethiopia |
| XAF | Gabon |
| GHS | Ghana |
| MWK | Malawi |
| NGN, USD | Nigeria |
| RWF | Rwanda |
| SLL | Sierra Leone |
| ZAR | South Africa |
| XAF | The Republic of Congo |
| UGX | Uganda |
Europe
| Currency | Country |
|---|---|
| EUR | Austria |
| EUR | Belgium |
| EUR | Croatia |
| CZK | Czech Republic |
| DKK | Denmark |
| EUR | Estonia |
| EUR | Finland |
| EUR | France |
| EUR | Germany |
| EUR | Greece |
| EUR | Ireland |
| EUR | Italy |
| EUR | Latvia |
| EUR | Lithuania |
| EUR | Luxembourg |
| EUR | Netherlands |
| NOK | Poland |
| EUR | Portugal |
| RON | Romania |
| EUR | Slovakia |
| EUR | Slovenia |
| EUR | Spain |
| SEK | Sweden |
| CHF | Switzerland |
| TRY | Turkey |
| GBP | United Kingdom |
Latin America (LATAM)
| Currency | Country |
|---|---|
| USD | United States |
| ARS | Argentina |
| BRL | Brazil |
| CLP | Chile |
| COP | Colombia |
| DOP | Dominican Rep. |
| USD | Ecuador |
| MXM | Mexico |
| PYG | Paraguay |
| PEN | Peru |
| UYU | Uruguay |
Pricing & Business Model
Transparent Fee Structure
- No setup fees: Start processing immediately
- Competitive exchange rates: Mid-market rates with minimal spread aligned with top currency exchanges
- Flexible cost allocation: Fully or partially absorb fees or pass to customers
- Volume discounts: Pricing scales with your transaction volume
- Real-time estimates: Present accurate costs to customers including or excluding fees
Revenue Impact
- Increase profit margins: Lower processing costs improve bottom line
- Expand addressable market: Serve customers in previously inaccessible regions
- Improve customer lifetime value: Faster, cheaper service increases retention
- Reduce operational expenses: Automation cuts manual processing costs
Risk Management & Compliance
Regulatory Coverage
- Licensed operations: NOAH maintains licenses across supported jurisdictions
- Compliance monitoring: Automated AML/KYC checks on all transactions
- Regulatory reporting: We handle required reporting to local authorities
- Risk assessment: Continuous monitoring for suspicious activity
- Global compliance framework: Utilize NOAH's licensing framework for customer KYC collection
Business Protection
- Transaction monitoring: Real-time fraud detection and prevention
- Customer verification: Identity checks prevent unauthorized transactions
- Audit trails: Complete transaction history for regulatory compliance
- Insurance coverage: Protection against operational risks
Getting Started
Evaluation Process
- Business consultation: Discuss your specific use case and requirements
- Technical assessment: Review integration requirements and timeline
- Pilot program: Start with limited volume to validate the solution
- Full deployment: Scale to production volumes with ongoing support
Next Steps
- Schedule a demo: See the solution in action with your specific use case
- Review pricing: Get custom pricing based on your expected volume
- Plan integration: Develop implementation timeline with our team
- Start pilot: Begin processing transactions within 2-4 weeks
Ready to transform your crypto-to-fiat operations? Contact our business development team to schedule a consultation and see how NOAH's Automated Payout solution can drive growth for your business.
For technical integration details, see your Automated Payout Journey.