Custody, collections and payouts

The infrastructure under your on-chain product. Live, and testable today.

app.cowriepay.io
Custody, collections and payouts

The problem

Teams building on-chain burn time running nodes, indexers and key management instead of shipping their product.

How CowriePay helps

1

One isolated workspace per entity

Provision one HD wallet per end user on TRON, BNB Chain and Ethereum, in a single API call. Your balances split into available, pending and locked.

2

Credit at on-chain finality

Real-time detection, confirmations per chain, source-of-funds screening before credit with funds held if screening cannot run, and automatic consolidation.

3

Payouts and evidence

Payouts by API with signed webhooks; every sensitive action is recorded and every state is timestamped, retained for ten years.

Who it is for

Crypto-native products, exchanges and on-chain treasuries.

Products used

WalletsCollectionsPayouts
Integration model

The stablecoin settlement layer, run end to end

CowriePay operates the receipt, screening, consolidation and dispatch of stablecoins, with the controls a bank expects. Two ways to integrate: direct, from the dashboard and the API, or white-label, inside your product. The fiat leg runs on the settlement partners of your choice, and the customer relationship stays yours.

Security and compliance

Compliance built into every flow

Sanctions screening on deposits and payouts
KYB with UBO capture
Full audit trail on every action
Suspicious-transaction reporting (CENTIF, NFIU)
Withdrawal allow-list and cooling-off
Per-asset and rolling 24h limits
Four-eyes approval and value-aware step-up
HMAC-signed webhooks with rotation
Scoped API keys and MFA
Security overview

Frequently asked questions

Who holds the keys?

CowriePay manages key custody and signing for you. Signing is isolated from the API layer, and each workspace has its own HD derivation, so you never handle keys yourself.

Does the sandbox run on real chains?

Yes. Real testnets on TRON, BNB Chain and Ethereum, with a built-in faucet to pre-fund your test wallets in one API call.

Which SDKs are available?

Node.js, Python and PHP, officially published and maintained, with a full OpenAPI reference.

Solutions

Start moving money in stablecoins

Create an account and get API keys in minutes, or talk to our team.