Stablecoin payment infrastructure for institutions
Launch stablecoin payments in weeks, not months
One integration covers the whole payment journey.
Trusted by payment companies and proven in production
What is Cobo Payments?
One API, one platform and one statement between your customer and your bank.
Accept, screen, convert and settle stablecoin payments through one integration, built on custody infrastructure that has secured client assets since 2017.
Solutions
Payin
Payout
Acquiring
Operations
Coverage
Trusted by payment companies and proven in production
More than 500 payment companies, platforms and financial institutions use Cobo infrastructure every day.
AlchemyPay and Transak run stablecoin collection and payout on Cobo infrastructure.
Payment gateways and on-ramps
Publicly referenced customer
Infini runs card funding and settlement on Cobo custody.
Stablecoin card platforms
Publicly referenced customer
TruBit serves merchants through TruBit Pay on Cobo infrastructure.
Trading-linked payments
Publicly referenced customerBuilt for companies moving money at volume
Businesses with zero blockchain background can accept, convert and pay out stablecoins safely.
Cross-border PSPs
Collect and pay out for your merchants. Cobo handles the middle: addresses, screening, sweeping, conversion and settlement, with independent ledgers per merchant.
E-commerce and platforms
One address per order, so funds match themselves — nothing missed, nothing mismatched. Webhooks push payment status the moment funds arrive.
Payouts and payroll
One API call pays out to any market, including long-tail countries banking rails serve poorly — global payroll, EOR services, supplier settlement and rewards.
Gateways and on-ramps
AlchemyPay and Transak run stablecoin collection and payout on Cobo infrastructure, screening and converting on the same integration.
Stablecoin card platforms
Infini runs card funding and settlement on Cobo custody, with MPC wallets and policy controls sitting behind the card programme.
We have kept digital assets safe for nine years. Now we make them move.
The question is no longer whether but how. The cost of waiting is now higher than the cost of moving.
Accept, screen, convert and settle through one integration
From your customer’s payment to your bank account, every stage is licensed and audited.
A unique payment address per order
Every order receives its own payment address so incoming funds are reconciled to orders without manual work.
Transaction screening before funds settle
Every transfer is screened before it settles and funds that fail screening are returned to the sender. Multiple screening vendors check in real time.
Balance consolidation and payout instruction
Cleared funds sweep automatically into a dedicated pool, ready for payout instructions — including high-throughput batch runs.
Conversion to local currency
Regulated desks convert stablecoins to local currency and back on your instruction.
Settlement at T+1, one statement
Funds arrive in your bank account at T+1 and a single statement covers the whole journey.
The portal built for daily merchant operations
Every merchant's balance, settlement and reporting stay cleanly separated.
One API and four jobs on infrastructure you can verify
Secure by default from the first request, with a sandbox that runs the full flow.
// Illustrative shape. Replace from the developer portal. POST /v2/payments/orders { merchant_id: "m_8fd21a", order_id: "ord_00417", amount: "100.00", token: "USDT", network: "TRON" } // → { pay_address: "TXk9…f3Qz", expires_at, order_ref }
// Illustrative shape. Replace from the developer portal. POST /v2/payments/payouts/batch { items: [ { recipient: "rcp_41ab", amount: "5000.00", token: "USDT" }, { recipient: "rcp_77cd", amount: "1250.00", token: "USDT" } ] } // Fee Station prepays network fees, so a payout of // 5,000 USDT arrives as exactly 5,000 USDT.
// Events are pushed as they happen. Verify every one. { event: "payment.confirmed", order_ref: "ord_00417", status: "credited", screened: true } // Funds that fail screening are never credited. // They are returned to the sender and recorded for audit.
Endpoint names and payloads are illustrative and get replaced from the developer portal.
Every dollar in, every dollar out — clean
Real-time AML screening on every deposit: funds that pass are credited, risky funds are quarantined and returned to the sender.
Real-time monitoring
Every deposit and withdrawal scanned; instant alerts on high-risk transfers.
Layered review
Multiple top KYT vendors plus Cobo’s compliance team; supports a second layer with your own KYT vendor.
Custom risk handling
Auto release, flag, freeze or block by risk level; suspect funds quarantined immediately.
Travel Rule support
Screening results passed through where your entity requires Travel Rule compliance.
Every transfer ships with a detailed risk assessment report.
A nine-year record of zero incidents backed by controls you can verify
Don’t take promises — look at the receipts.
Nine years of operation without a single security incident, verified by independent audits every year.
Approval to move money is split across parties, like dual authorization on a corporate account.
You hold the majority of key shares under 2-of-2 signing and 2-of-3 recovery.
In 2025 Cobo blocked a live attack targeting our client Deribit, one of the world’s largest derivatives exchanges.
Nasdaq-listed companies disclose their use of Cobo custody in public SEC filings.
Founded in 2017 and headquartered in Singapore, backed by DST Global at a valuation above $1B.
Straight answers to the questions your team will ask
What if funds are stolen or misdirected?
No single person can move funds, not even inside Cobo: every payout passes three independent control layers and approved address lists prevent misdirection. That discipline is why nine years of operation have produced zero security incidents.
What happens when a transfer fails screening?
Funds that fail screening are never credited to your account. They are returned automatically to the sender and every return is recorded for audit.
What if Cobo disappears?
You retain independent access to your funds at all times. Using the key shares you hold and Cobo’s open-source recovery tooling, you can recover and withdraw funds without Cobo’s involvement.
What will our bank think?
Currency conversion and bank payout are executed by regulated financial institutions. Your bank receives screened, fully documented settlement with a complete audit trail.
Ready to add stablecoin settlement
You get a working test environment within a week and a 45-minute scoping call with our payments lead.
