Instant Stablecoin Payments

Stablecoin payments are becoming standard infrastructure for corporate treasury. Kyriba, the world’s leading treasury management platform, has launched a dedicated Global Payments, FX & Stablecoin category in its marketplace. DPX is the settlement rail purpose-built for this use case.

What instant stablecoin payments means in practice

A corporate treasury in London needs to pay a supplier in Singapore. Traditionally:

Traditional correspondent chain:
London bank → Correspondent A → Correspondent B → Singapore bank
3–5 days · $15,000–$30,000 in fees on a $1M payment · No real-time tracking

With DPX:

DPX stablecoin settlement:
Kyriba pain.001 → DPX → Base mainnet → Recipient wallet
~30 seconds · ~$20,000 all-in on $1M · On-chain txHash, publicly verifiable

Same treasury team. Same Kyriba interface. No crypto knowledge required.

The full stack

DPX combines three things no other stablecoin rail provides together:

1. Instant settlement USDC and EURC settle on Base mainnet in ~30 seconds. There are no correspondent hops. The settlement is final and on-chain from the moment it executes.

2. Built-in compliance Every payment runs Verification of Payee (FATF R16), AML screening against OFAC/EU/UN/UK sanctions lists, and behavioural risk profiling — automatically, before settlement executes. The compliance attestation is baked into the pacs.002 response.

3. ESG reporting Every settlement produces transaction-level ESG data for SFDR and CSRD reporting. European fund managers and corporates under mandatory sustainability disclosure frameworks can use DPX settlement records directly as source data — no separate data pipeline needed.

No other instant stablecoin payment rail provides all three.

Supported assets and corridors

Asset	Currency	Chain	Regulatory status
USDC	USD	Base mainnet	GENIUS Act (US)
EURC	EUR	Base mainnet	MiCA e-money token (EU)

Any currency pair is supported at the fiat edges — your treasury converts to USDC/EURC at the on-ramp, DPX settles on-chain, the recipient redeems at their bank. The on-chain leg is always USDC or EURC.

Fiat on-ramps

Two institutional paths to convert fiat into USDC/EURC for DPX settlement:

Provider	Currency	Min size	Time to fund
Circle Mint	USD → USDC, EUR → EURC	$50K	Same-day (established)
Coinbase Prime	USD → USDC, EUR → EURC	Institutional	Same-day

Both provide segregated custody, regulatory compliance, and direct Base mainnet withdrawals. See Circle Mint and Coinbase Prime.

How it integrates into existing workflows

Kyriba users

DPX implements the Kyriba Payment Initiation Service SPI — the certified connector standard from Kyriba Connect Marketplace. Your treasury team initiates payments from Kyriba’s existing payment run. DPX appears as a selectable rail alongside SWIFT and ACH.

Kyriba payment run
→ Select DPX Settlement Rail
→ pain.001 sent to DPX
→ Compliance + Oracle gate
→ Settled in ~30s
→ pacs.002 returned to Kyriba

SAP TRM users

DPX connects to SAP Treasury & Risk Management via SAP Integration Suite. See SAP TRM Integration.

Direct API

Any system generating ISO 20022 pain.001 can route directly to the DPX Integration API. No format translation required.

AI agents

DPX is the only cross-border settlement rail with a native MCP server and x402 agent payment support. AI agents (Claude, GPT, LangChain) can discover, price, and execute settlements autonomously. See Agent Quick Start.

Pricing

Fee component	Rate	Notes
Core settlement	1.50%	Applied to all settlements
FX fee	+0.40%	Cross-currency only; zero for EURC-to-EURC
ESG surcharge	0.00–0.50%	Based on counterparty ESG score
License fee	0.01%	Embedded
Typical all-in	~2.035%	Score 75, cross-border with FX
EUR-to-EUR (EURC)	~1.635%	No FX fee

Volume discounts apply from $100K/month. See Fee Structure.

DPX vs. the alternative

	DPX	Fipto (Kyriba)	SWIFT correspondent	Bank wire
Settlement time	~30 seconds	~10 minutes	2–5 days	1–3 days
All-in cost	~2.035%	Not disclosed	2–5%	2–5%
ESG reporting	✅ SFDR PAI per transaction	❌	❌	❌
On-chain audit trail	✅ txHash, public	❌	❌	❌
MiCA-compliant asset	✅ EURC	Not specified	N/A	N/A
ISO 20022 native	✅ pain.001 / pacs.002	Via wrapper	✅	Bank-dependent
Pricing transparency	On-chain, quoted pre-settlement	Opaque	Opaque	Opaque
AI / agent native	✅ MCP + x402	❌	❌	❌

Get started

Kyriba users: Contact DPX to begin SPI certification — your Kyriba account manager can also initiate the DPX connector onboarding.

Direct integration: Apply via the beta access page to receive an institution API key and begin sandbox testing.

Sandbox: All endpoints are available in sandbox mode with no USDC required. ESG, oracle, and compliance calls run live against real data.