diff --git a/mintlify/docs.json b/mintlify/docs.json index 08577022..e0bafd8b 100644 --- a/mintlify/docs.json +++ b/mintlify/docs.json @@ -73,57 +73,57 @@ ] }, { - "tab": "Payouts & B2B", + "tab": "Global Accounts & Payouts", "groups": [ { "group": "Overview", "pages": [ - "payouts-and-b2b/index", - "payouts-and-b2b/terminology", - "payouts-and-b2b/onboarding/implementation-overview", - "payouts-and-b2b/quickstart" + "global-accounts-and-payouts/index", + "global-accounts-and-payouts/terminology", + "global-accounts-and-payouts/onboarding/implementation-overview", + "global-accounts-and-payouts/quickstart" ] }, { "group": "Onboarding", "pages": [ - "payouts-and-b2b/onboarding/platform-configuration", - "payouts-and-b2b/onboarding/configuring-customers" + "global-accounts-and-payouts/onboarding/platform-configuration", + "global-accounts-and-payouts/onboarding/configuring-customers" ] }, { "group": "Managing accounts", "pages": [ - "payouts-and-b2b/depositing-funds/internal-accounts", - "payouts-and-b2b/depositing-funds/external-accounts" + "global-accounts-and-payouts/depositing-funds/internal-accounts", + "global-accounts-and-payouts/depositing-funds/external-accounts" ] }, { "group": "Sending payments", "pages": [ - "payouts-and-b2b/depositing-funds/depositing-funds", - "payouts-and-b2b/payment-flow/send-payment", - "payouts-and-b2b/payment-flow/list-transactions", - "payouts-and-b2b/payment-flow/reconciliation", - "payouts-and-b2b/payment-flow/error-handling" + "global-accounts-and-payouts/depositing-funds/depositing-funds", + "global-accounts-and-payouts/payment-flow/send-payment", + "global-accounts-and-payouts/payment-flow/list-transactions", + "global-accounts-and-payouts/payment-flow/reconciliation", + "global-accounts-and-payouts/payment-flow/error-handling" ] }, { "group": "Global Accounts", "pages": [ - "payouts-and-b2b/global-accounts/overview", - "payouts-and-b2b/global-accounts/client-keys", - "payouts-and-b2b/global-accounts/authentication", - "payouts-and-b2b/global-accounts/managing-sessions", - "payouts-and-b2b/global-accounts/exporting-wallet" + "global-accounts-and-payouts/global-accounts/overview", + "global-accounts-and-payouts/global-accounts/client-keys", + "global-accounts-and-payouts/global-accounts/authentication", + "global-accounts-and-payouts/global-accounts/managing-sessions", + "global-accounts-and-payouts/global-accounts/exporting-wallet" ] }, { "group": "Platform tools", "pages": [ - "payouts-and-b2b/platform-tools/webhooks", - "payouts-and-b2b/platform-tools/sandbox-testing", - "payouts-and-b2b/platform-tools/postman-collection" + "global-accounts-and-payouts/platform-tools/webhooks", + "global-accounts-and-payouts/platform-tools/sandbox-testing", + "global-accounts-and-payouts/platform-tools/postman-collection" ] } ] @@ -405,11 +405,32 @@ ] }, "redirects": [ - { "source": "/payouts-and-b2b/embedded-wallets/overview", "destination": "/payouts-and-b2b/global-accounts/overview" }, - { "source": "/payouts-and-b2b/embedded-wallets/client-keys", "destination": "/payouts-and-b2b/global-accounts/client-keys" }, - { "source": "/payouts-and-b2b/embedded-wallets/authentication", "destination": "/payouts-and-b2b/global-accounts/authentication" }, - { "source": "/payouts-and-b2b/embedded-wallets/managing-sessions", "destination": "/payouts-and-b2b/global-accounts/managing-sessions" }, - { "source": "/payouts-and-b2b/embedded-wallets/exporting-wallet", "destination": "/payouts-and-b2b/global-accounts/exporting-wallet" }, + { "source": "/payouts-and-b2b/index", "destination": "/global-accounts-and-payouts/index" }, + { "source": "/payouts-and-b2b/terminology", "destination": "/global-accounts-and-payouts/terminology" }, + { "source": "/payouts-and-b2b/quickstart", "destination": "/global-accounts-and-payouts/quickstart" }, + { "source": "/payouts-and-b2b/onboarding/implementation-overview", "destination": "/global-accounts-and-payouts/onboarding/implementation-overview" }, + { "source": "/payouts-and-b2b/onboarding/platform-configuration", "destination": "/global-accounts-and-payouts/onboarding/platform-configuration" }, + { "source": "/payouts-and-b2b/onboarding/configuring-customers", "destination": "/global-accounts-and-payouts/onboarding/configuring-customers" }, + { "source": "/payouts-and-b2b/depositing-funds/internal-accounts", "destination": "/global-accounts-and-payouts/depositing-funds/internal-accounts" }, + { "source": "/payouts-and-b2b/depositing-funds/external-accounts", "destination": "/global-accounts-and-payouts/depositing-funds/external-accounts" }, + { "source": "/payouts-and-b2b/depositing-funds/depositing-funds", "destination": "/global-accounts-and-payouts/depositing-funds/depositing-funds" }, + { "source": "/payouts-and-b2b/payment-flow/send-payment", "destination": "/global-accounts-and-payouts/payment-flow/send-payment" }, + { "source": "/payouts-and-b2b/payment-flow/list-transactions", "destination": "/global-accounts-and-payouts/payment-flow/list-transactions" }, + { "source": "/payouts-and-b2b/payment-flow/reconciliation", "destination": "/global-accounts-and-payouts/payment-flow/reconciliation" }, + { "source": "/payouts-and-b2b/payment-flow/error-handling", "destination": "/global-accounts-and-payouts/payment-flow/error-handling" }, + { "source": "/payouts-and-b2b/global-accounts/overview", "destination": "/global-accounts-and-payouts/global-accounts/overview" }, + { "source": "/payouts-and-b2b/global-accounts/client-keys", "destination": "/global-accounts-and-payouts/global-accounts/client-keys" }, + { "source": "/payouts-and-b2b/global-accounts/authentication", "destination": "/global-accounts-and-payouts/global-accounts/authentication" }, + { "source": "/payouts-and-b2b/global-accounts/managing-sessions", "destination": "/global-accounts-and-payouts/global-accounts/managing-sessions" }, + { "source": "/payouts-and-b2b/global-accounts/exporting-wallet", "destination": "/global-accounts-and-payouts/global-accounts/exporting-wallet" }, + { "source": "/payouts-and-b2b/platform-tools/webhooks", "destination": "/global-accounts-and-payouts/platform-tools/webhooks" }, + { "source": "/payouts-and-b2b/platform-tools/sandbox-testing", "destination": "/global-accounts-and-payouts/platform-tools/sandbox-testing" }, + { "source": "/payouts-and-b2b/platform-tools/postman-collection", "destination": "/global-accounts-and-payouts/platform-tools/postman-collection" }, + { "source": "/payouts-and-b2b/embedded-wallets/overview", "destination": "/global-accounts-and-payouts/global-accounts/overview" }, + { "source": "/payouts-and-b2b/embedded-wallets/client-keys", "destination": "/global-accounts-and-payouts/global-accounts/client-keys" }, + { "source": "/payouts-and-b2b/embedded-wallets/authentication", "destination": "/global-accounts-and-payouts/global-accounts/authentication" }, + { "source": "/payouts-and-b2b/embedded-wallets/managing-sessions", "destination": "/global-accounts-and-payouts/global-accounts/managing-sessions" }, + { "source": "/payouts-and-b2b/embedded-wallets/exporting-wallet", "destination": "/global-accounts-and-payouts/global-accounts/exporting-wallet" }, { "source": "/ramps/embedded-wallets/overview", "destination": "/ramps/global-accounts/overview" }, { "source": "/ramps/embedded-wallets/client-keys", "destination": "/ramps/global-accounts/client-keys" }, { "source": "/ramps/embedded-wallets/authentication", "destination": "/ramps/global-accounts/authentication" }, diff --git a/mintlify/payouts-and-b2b/depositing-funds/depositing-funds.mdx b/mintlify/global-accounts-and-payouts/depositing-funds/depositing-funds.mdx similarity index 100% rename from mintlify/payouts-and-b2b/depositing-funds/depositing-funds.mdx rename to mintlify/global-accounts-and-payouts/depositing-funds/depositing-funds.mdx diff --git a/mintlify/payouts-and-b2b/depositing-funds/external-accounts.mdx b/mintlify/global-accounts-and-payouts/depositing-funds/external-accounts.mdx similarity index 92% rename from mintlify/payouts-and-b2b/depositing-funds/external-accounts.mdx rename to mintlify/global-accounts-and-payouts/depositing-funds/external-accounts.mdx index 03c2980a..f9dd14a6 100644 --- a/mintlify/payouts-and-b2b/depositing-funds/external-accounts.mdx +++ b/mintlify/global-accounts-and-payouts/depositing-funds/external-accounts.mdx @@ -13,7 +13,7 @@ import { FeatureCard, FeatureCardGrid } from '/snippets/feature-card.mdx'; ## Next steps - + Learn how to send international payments using external accounts diff --git a/mintlify/payouts-and-b2b/depositing-funds/internal-accounts.mdx b/mintlify/global-accounts-and-payouts/depositing-funds/internal-accounts.mdx similarity index 86% rename from mintlify/payouts-and-b2b/depositing-funds/internal-accounts.mdx rename to mintlify/global-accounts-and-payouts/depositing-funds/internal-accounts.mdx index e879f81b..824d3036 100644 --- a/mintlify/payouts-and-b2b/depositing-funds/internal-accounts.mdx +++ b/mintlify/global-accounts-and-payouts/depositing-funds/internal-accounts.mdx @@ -13,10 +13,10 @@ import { FeatureCard, FeatureCardGrid } from '/snippets/feature-card.mdx'; ## Next steps - + Learn how to add customer bank accounts as withdrawal destinations - + Use internal account balances to send international payments diff --git a/mintlify/payouts-and-b2b/global-accounts/authentication.mdx b/mintlify/global-accounts-and-payouts/global-accounts/authentication.mdx similarity index 100% rename from mintlify/payouts-and-b2b/global-accounts/authentication.mdx rename to mintlify/global-accounts-and-payouts/global-accounts/authentication.mdx diff --git a/mintlify/payouts-and-b2b/global-accounts/client-keys.mdx b/mintlify/global-accounts-and-payouts/global-accounts/client-keys.mdx similarity index 100% rename from mintlify/payouts-and-b2b/global-accounts/client-keys.mdx rename to mintlify/global-accounts-and-payouts/global-accounts/client-keys.mdx diff --git a/mintlify/payouts-and-b2b/global-accounts/exporting-wallet.mdx b/mintlify/global-accounts-and-payouts/global-accounts/exporting-wallet.mdx similarity index 100% rename from mintlify/payouts-and-b2b/global-accounts/exporting-wallet.mdx rename to mintlify/global-accounts-and-payouts/global-accounts/exporting-wallet.mdx diff --git a/mintlify/payouts-and-b2b/global-accounts/managing-sessions.mdx b/mintlify/global-accounts-and-payouts/global-accounts/managing-sessions.mdx similarity index 100% rename from mintlify/payouts-and-b2b/global-accounts/managing-sessions.mdx rename to mintlify/global-accounts-and-payouts/global-accounts/managing-sessions.mdx diff --git a/mintlify/payouts-and-b2b/global-accounts/overview.mdx b/mintlify/global-accounts-and-payouts/global-accounts/overview.mdx similarity index 100% rename from mintlify/payouts-and-b2b/global-accounts/overview.mdx rename to mintlify/global-accounts-and-payouts/global-accounts/overview.mdx diff --git a/mintlify/global-accounts-and-payouts/index.mdx b/mintlify/global-accounts-and-payouts/index.mdx new file mode 100644 index 00000000..0eab09be --- /dev/null +++ b/mintlify/global-accounts-and-payouts/index.mdx @@ -0,0 +1,102 @@ +--- +title: "Global Accounts & Payouts" +sidebarTitle: "Introduction" +icon: "/images/icons/paper-plane-top-right.svg" +mode: "wide" +"og:image": "/images/og/og-payouts-b2b.png" +--- + +import { payToBankProductName, topLevelProductName } from '/snippets/variables.mdx'; +import PaymentFlow from '/snippets/payment-flow.mdx'; +import CountrySupport from '/snippets/country-support.mdx'; +import { FeatureCard, FeatureCardGrid } from '/snippets/feature-card.mdx'; + +Global Accounts & Payouts hero + +{topLevelProductName} packages two products into a single integration so platforms can give their customers a branded dollar account *and* send and receive payments to bank accounts worldwide — through one API. + +- **Global Accounts** give each customer a branded, self-custody dollar account that holds a stable balance and can move money out through any supported {topLevelProductName} rail. +- **Payouts** route low-cost real-time payments across the {topLevelProductName} switch network, handling FX, blockchain settlement, and instant banking off-ramps for you. + + + + Issue a Global Account to every customer without building wallet, FX, or banking infrastructure from scratch. + + + A single API converts between fiat and stablecoins on the fly, routing each payment across the Money Grid. + + + Local instant banking rails (ACH, SEPA, PIX, UPI, FPS, CLABE, IBAN) plus crypto rails for real-time delivery. + + + Outbound account actions are signed by the customer's device — Grid never has unilateral access to user funds. + + + Track funding, withdrawals, and settlement state changes with standard transaction webhooks. + + + Stablecoin and Bitcoin flows share the same account and quote model where enabled for your platform. + + + +## What you can build today + +Use the current {topLevelProductName} API to: + +- Create and KYC/KYB-verify customers before funds move to or from fiat rails +- Provision a Global Account per customer and find it by listing internal accounts +- Fund accounts via prefunded balances, ACH, SEPA Instant, wire, Lightning, or stablecoin deposits +- Generate quotes for cross-border payouts with a locked exchange rate +- Withdraw to bank accounts on supported local rails worldwide +- Require customer authorization for outbound movement using signed requests +- Register credentials, issue sessions, revoke sessions, and export wallet credentials +- Reconcile activity with transaction webhooks +- Test the full flow in sandbox before production launch + + + +## How customers interact with {topLevelProductName} + + + + Programmatic access to create customers, provision Global Accounts, generate quotes, fund accounts, send payments, and reconcile via webhooks. + + + Your development and operations team can monitor payments and webhooks, manage API keys and environments, and troubleshoot with logs. + + + +Implementing {topLevelProductName} is a few discrete steps — here's the high-level flow. + +### Onboarding customers + + +{topLevelProductName} has two customer onboarding options — one for non-regulated entities where {topLevelProductName} handles the KYC/KYB process, and one for regulated entities where you handle the KYC/KYB process. + +When creating customers, you can also connect external accounts or internal accounts to a specific customer and add accounts for counterparties on the receiving end. +To learn more about accounts read our [internal accounts guide](/global-accounts-and-payouts/depositing-funds/internal-accounts) or setting up [external accounts guide](/global-accounts-and-payouts/depositing-funds/external-accounts). + + +### Funding accounts and payments +{topLevelProductName} supports multiple funding options including prefunded accounts, real-time funding, and Global Account balances. You can prefund an internal account using ACH, SEPA Instant, wire transfers, Lightning, and more. + +With real-time funding, you'll receive payment instructions as part of the quote. Once the funding is received, {topLevelProductName} initiates the payment to the receiver. + +### Sending payments +To send a payout, onboard a customer (and the counterparty if needed), then create and execute a quote. {topLevelProductName} resolves the receiver by external bank details, returns min/max and an exchange rate, and provides funding instructions. Once funded, {topLevelProductName} handles FX and delivery to the receiving account. Withdrawals from a Global Account follow the same pattern, with the customer's signature attached on execute. + +### Environments + + +{topLevelProductName} supports two environments: Sandbox and Production. Sandbox mirrors production behavior and webhooks so you can test receiver resolution, quotes and funding instructions, settlement status changes, and full end‑to‑end flows without moving real funds. Production uses live credentials and base URLs for real payments once you're ready to launch. + + +--- + +### Country availability + + diff --git a/mintlify/payouts-and-b2b/onboarding/configuring-customers.mdx b/mintlify/global-accounts-and-payouts/onboarding/configuring-customers.mdx similarity index 98% rename from mintlify/payouts-and-b2b/onboarding/configuring-customers.mdx rename to mintlify/global-accounts-and-payouts/onboarding/configuring-customers.mdx index 59a31871..66825ed5 100644 --- a/mintlify/payouts-and-b2b/onboarding/configuring-customers.mdx +++ b/mintlify/global-accounts-and-payouts/onboarding/configuring-customers.mdx @@ -189,7 +189,7 @@ If validation fails, the API will return a 400 Bad Request response with detaile ## Best Practices -1. **Identity Verification**: Choose a proper KYC/KYB identity verification flow as detailed in the [Quickstart Guide](/payouts-and-b2b/quickstart#choosing-your-onboarding-flow) +1. **Identity Verification**: Choose a proper KYC/KYB identity verification flow as detailed in the [Quickstart Guide](/global-accounts-and-payouts/quickstart#choosing-your-onboarding-flow) 2. **Data Security**: Store and transmit customer data securely, following data protection regulations 3. **Regular Updates**: Keep customer information up to date, especially banking details 4. **Error Handling**: Implement proper error handling to manage validation failures gracefully diff --git a/mintlify/payouts-and-b2b/onboarding/implementation-overview.mdx b/mintlify/global-accounts-and-payouts/onboarding/implementation-overview.mdx similarity index 100% rename from mintlify/payouts-and-b2b/onboarding/implementation-overview.mdx rename to mintlify/global-accounts-and-payouts/onboarding/implementation-overview.mdx diff --git a/mintlify/payouts-and-b2b/onboarding/platform-configuration.mdx b/mintlify/global-accounts-and-payouts/onboarding/platform-configuration.mdx similarity index 100% rename from mintlify/payouts-and-b2b/onboarding/platform-configuration.mdx rename to mintlify/global-accounts-and-payouts/onboarding/platform-configuration.mdx diff --git a/mintlify/payouts-and-b2b/payment-flow/error-handling.mdx b/mintlify/global-accounts-and-payouts/payment-flow/error-handling.mdx similarity index 100% rename from mintlify/payouts-and-b2b/payment-flow/error-handling.mdx rename to mintlify/global-accounts-and-payouts/payment-flow/error-handling.mdx diff --git a/mintlify/payouts-and-b2b/payment-flow/list-transactions.mdx b/mintlify/global-accounts-and-payouts/payment-flow/list-transactions.mdx similarity index 97% rename from mintlify/payouts-and-b2b/payment-flow/list-transactions.mdx rename to mintlify/global-accounts-and-payouts/payment-flow/list-transactions.mdx index 3641dbc9..2d6d53d8 100644 --- a/mintlify/payouts-and-b2b/payment-flow/list-transactions.mdx +++ b/mintlify/global-accounts-and-payouts/payment-flow/list-transactions.mdx @@ -343,13 +343,13 @@ async function fetchWithRetry(url, retries = 3) { ## Next steps - + Learn how to send payments from internal accounts - + Match payments with your internal accounting systems - + Handle transaction failures and errors diff --git a/mintlify/payouts-and-b2b/payment-flow/reconciliation.mdx b/mintlify/global-accounts-and-payouts/payment-flow/reconciliation.mdx similarity index 100% rename from mintlify/payouts-and-b2b/payment-flow/reconciliation.mdx rename to mintlify/global-accounts-and-payouts/payment-flow/reconciliation.mdx diff --git a/mintlify/payouts-and-b2b/payment-flow/send-payment.mdx b/mintlify/global-accounts-and-payouts/payment-flow/send-payment.mdx similarity index 96% rename from mintlify/payouts-and-b2b/payment-flow/send-payment.mdx rename to mintlify/global-accounts-and-payouts/payment-flow/send-payment.mdx index 9b95d25f..f5f2a184 100644 --- a/mintlify/payouts-and-b2b/payment-flow/send-payment.mdx +++ b/mintlify/global-accounts-and-payouts/payment-flow/send-payment.mdx @@ -33,8 +33,8 @@ Before sending payments, ensure you have: If you don't have these set up yet, review the [Internal - Accounts](/payouts-and-b2b/depositing-funds/internal-accounts) and [External - Accounts](/payouts-and-b2b/depositing-funds/external-accounts) guides first. + Accounts](/global-accounts-and-payouts/depositing-funds/internal-accounts) and [External + Accounts](/global-accounts-and-payouts/depositing-funds/external-accounts) guides first. ## Same-Currency Transfers @@ -402,7 +402,7 @@ app.post("/webhooks/grid", (req, res) => { ``` - See the [Webhooks guide](/payouts-and-b2b/platform-tools/webhooks) for complete + See the [Webhooks guide](/global-accounts-and-payouts/platform-tools/webhooks) for complete webhook implementation details including signature verification. @@ -485,13 +485,13 @@ await db.payments.update( ## Next Steps - + Handle payment failures and error scenarios - + Query and filter transaction history - + Match payments with your internal systems diff --git a/mintlify/payouts-and-b2b/platform-tools/postman-collection.mdx b/mintlify/global-accounts-and-payouts/platform-tools/postman-collection.mdx similarity index 100% rename from mintlify/payouts-and-b2b/platform-tools/postman-collection.mdx rename to mintlify/global-accounts-and-payouts/platform-tools/postman-collection.mdx diff --git a/mintlify/payouts-and-b2b/platform-tools/sandbox-testing.mdx b/mintlify/global-accounts-and-payouts/platform-tools/sandbox-testing.mdx similarity index 96% rename from mintlify/payouts-and-b2b/platform-tools/sandbox-testing.mdx rename to mintlify/global-accounts-and-payouts/platform-tools/sandbox-testing.mdx index 3e415f27..77904fc1 100644 --- a/mintlify/payouts-and-b2b/platform-tools/sandbox-testing.mdx +++ b/mintlify/global-accounts-and-payouts/platform-tools/sandbox-testing.mdx @@ -274,6 +274,6 @@ When you're ready to move to production: ## Next Steps -- Review [Webhooks](/payouts-and-b2b/platform-tools/webhooks) for event handling -- Check out the [Postman Collection](/payouts-and-b2b/platform-tools/postman-collection) for API examples -- See [Error Handling](/payouts-and-b2b/payment-flow/error-handling) for production error strategies +- Review [Webhooks](/global-accounts-and-payouts/platform-tools/webhooks) for event handling +- Check out the [Postman Collection](/global-accounts-and-payouts/platform-tools/postman-collection) for API examples +- See [Error Handling](/global-accounts-and-payouts/payment-flow/error-handling) for production error strategies diff --git a/mintlify/payouts-and-b2b/platform-tools/webhooks.mdx b/mintlify/global-accounts-and-payouts/platform-tools/webhooks.mdx similarity index 100% rename from mintlify/payouts-and-b2b/platform-tools/webhooks.mdx rename to mintlify/global-accounts-and-payouts/platform-tools/webhooks.mdx diff --git a/mintlify/payouts-and-b2b/quickstart.mdx b/mintlify/global-accounts-and-payouts/quickstart.mdx similarity index 100% rename from mintlify/payouts-and-b2b/quickstart.mdx rename to mintlify/global-accounts-and-payouts/quickstart.mdx diff --git a/mintlify/payouts-and-b2b/terminology.mdx b/mintlify/global-accounts-and-payouts/terminology.mdx similarity index 100% rename from mintlify/payouts-and-b2b/terminology.mdx rename to mintlify/global-accounts-and-payouts/terminology.mdx diff --git a/mintlify/index.mdx b/mintlify/index.mdx index bbffb3f3..70876e2d 100644 --- a/mintlify/index.mdx +++ b/mintlify/index.mdx @@ -77,7 +77,7 @@ export const gridCategories = [ { id: 'payouts', label: 'Payouts & B2B', - href: '/payouts-and-b2b/', + href: '/global-accounts-and-payouts/', items: [ { id: 'creators', title: 'Creator payouts', description: 'Pay creators and influencers instantly, anywhere they bank', icon: '/images/icons/multi-media.svg', image: '/images/use-cases/payouts-b2b-creators.jpg' }, { id: 'payroll', title: 'Payroll & contractors', description: 'Send salaries and contractor payments globally with locked FX rates', icon: '/images/icons/suitcase-work.svg', image: '/images/use-cases/payouts-b2b-payroll.jpg' }, @@ -161,7 +161,7 @@ export const gridCategories = [
Jump into a quickstart guide
@@ -281,11 +281,11 @@ export const gridCategories = [ Grid GitHub repo - + Tools and sandbox - + Postman collection diff --git a/mintlify/payouts-and-b2b/index.mdx b/mintlify/payouts-and-b2b/index.mdx deleted file mode 100644 index df66e0df..00000000 --- a/mintlify/payouts-and-b2b/index.mdx +++ /dev/null @@ -1,76 +0,0 @@ ---- -title: "Payouts & B2B" -sidebarTitle: "Introduction" -icon: "/images/icons/paper-plane-top-right.svg" -mode: "wide" -"og:image": "/images/og/og-payouts-b2b.png" ---- - -import { payToBankProductName, topLevelProductName } from '/snippets/variables.mdx'; -import PaymentFlow from '/snippets/payment-flow.mdx'; -import CountrySupport from '/snippets/country-support.mdx'; -import { FeatureCard, FeatureCardGrid } from '/snippets/feature-card.mdx'; - -Payouts & B2B hero - -With {payToBankProductName}, you can send and receive low cost real-time payments to bank accounts worldwide through a single, simple API. {topLevelProductName} automatically routes each payment across its network of {topLevelProductName} switches, handling FX, blockchain settlement, and instant banking off-ramps for you. - - - - Single API, global reach. {payToBankProductName} interacts with the Money Grid to route your payments globally. - - - No crypto handling. {payToBankProductName} converts between fiat and crypto instantly to simplify your implementation and minimize FX costs. - - - Real-time settlement. Leverages local instant banking rails and global low latency crypto rails to settle payments in real-time. - - - - - -## {payToBankProductName} Features -Customers interact with {payToBankProductName} through two main interfaces. - - - Programmatic access to create customers, quotes, fund the account, send payments and reconcile via webhooks. - - - Your development and operations team can use the dashboard to monitor payments and webhooks, manage API keys and environments, and troubleshoot with logs. - - - -Implementing cross-border payments with {payToBankProductName} is simple. Here's a quick overview of the main steps. - -### Onboarding customers - - -{payToBankProductName} has two customer onboarding options - one for non regulated entities where {payToBankProductName} handles the KYC/KYB process and one for regulated entities where you handle the KYC/KYB process. - -When creating customers, you'll be able to also connect external accounts or internal accounts to a specific customer and also add accounts for counterparties on the receiving end. -To learn more about accounts read our [internal accounts guide](/payouts-and-b2b/depositing-funds/internal-accounts) or setting up [external accounts guide](/payouts-and-b2b/depositing-funds/external-accounts) - - -### Funding Payments -{payToBankProductName} supports multiple transaction funding options including prefunded accounts and real-time funding. You can prefund an account using several payment rails such as ACH, SEPA Instant, wire transfers, Lightning, and more. - -With real-time funding, you'll receive payment instructions as part of the quote. Once payment is received by our services, we'll initiate the payment to the receiver. - -### Sending Payments -To send with {payToBankProductName}, onboard an account for a customer and the counter party, then execute and fund a quote. {payToBankProductName} resolves the receiver by external bank details, returns min/max and an exchange rate, and provides funding instructions. Once funded, {payToBankProductName} handles FX and delivery to the receiving account. - -### Environments - - -{payToBankProductName} supports two environments: Sandbox and Production. Sandbox mirrors production behavior and webhooks so you can test receiver resolution, quotes and funding instructions, settlement status changes, and full end‑to‑end flows without moving real funds. Production uses live credentials and base URLs for real payments once you’re ready to launch. - - ---- - -### Country Availability - - diff --git a/mintlify/platform-overview/capabilities.mdx b/mintlify/platform-overview/capabilities.mdx index d4521eea..1e442e8f 100644 --- a/mintlify/platform-overview/capabilities.mdx +++ b/mintlify/platform-overview/capabilities.mdx @@ -87,7 +87,7 @@ Grid exposes low-level primitives that you combine to build any payment flow. Fi icon="/images/icons/people.svg" title="Identify" color="#0072DB" - linkHref="/payouts-and-b2b/onboarding/configuring-customers" + linkHref="/global-accounts-and-payouts/onboarding/configuring-customers" linkText="Onboarding guide" > KYC/KYB verification—use Grid's hosted flows or bring your own compliance. diff --git a/mintlify/platform-overview/configuration.mdx b/mintlify/platform-overview/configuration.mdx index 9f44577e..d42ca469 100644 --- a/mintlify/platform-overview/configuration.mdx +++ b/mintlify/platform-overview/configuration.mdx @@ -37,7 +37,7 @@ Grid provides two environments: Learn how to authenticate API requests - + Set up real-time event notifications diff --git a/mintlify/rewards/developer-guides/internal-accounts.mdx b/mintlify/rewards/developer-guides/internal-accounts.mdx index ab64c024..746792df 100644 --- a/mintlify/rewards/developer-guides/internal-accounts.mdx +++ b/mintlify/rewards/developer-guides/internal-accounts.mdx @@ -13,7 +13,7 @@ import { FeatureCard, FeatureCardGrid } from '/snippets/feature-card.mdx'; ## Next steps - + Learn how to add customer wallets as reward destinations diff --git a/mintlify/snippets/error-handling.mdx b/mintlify/snippets/error-handling.mdx index c388b5bb..5ca43b43 100644 --- a/mintlify/snippets/error-handling.mdx +++ b/mintlify/snippets/error-handling.mdx @@ -528,13 +528,13 @@ try { ## Next steps - + Learn how to send payments from internal accounts - + Query and filter payment history - + Match payments with your internal systems diff --git a/mintlify/snippets/platform-configuration-uma.mdx b/mintlify/snippets/platform-configuration-uma.mdx index 19076286..0a70749e 100644 --- a/mintlify/snippets/platform-configuration-uma.mdx +++ b/mintlify/snippets/platform-configuration-uma.mdx @@ -179,7 +179,7 @@ Also within each currency defined in `supportedCurrencies`, you will find two ar - `providerRequiredCounterpartyCustomerFields`: Lists counterparty information fields mandated by the UMA provider for external counterparties. These fields must be supplied when creating or updating users or counterparties via the respective API endpoints if they are expected to use the specified currency. -Refer to the [Configuring Customers](/payouts-and-b2b/onboarding/configuring-customers) guide for more details on how this impacts user setup. +Refer to the [Configuring Customers](/global-accounts-and-payouts/onboarding/configuring-customers) guide for more details on how this impacts user setup. ## Verify Configuration diff --git a/mintlify/snippets/terminology.mdx b/mintlify/snippets/terminology.mdx index 68f38d4d..51ffee7c 100644 --- a/mintlify/snippets/terminology.mdx +++ b/mintlify/snippets/terminology.mdx @@ -49,7 +49,7 @@ Internal accounts: - Track available balance for sending payments or receiving funds - **Global Accounts** are a special kind of internal account, powered by a self-custody embedded [Spark](https://spark.money) wallet that Grid provisions for your customers to hold a stablecoin balance. They behave like any other internal account on the way in, but every outbound transfer must be authorized by a customer signature. See [Global Accounts](/payouts-and-b2b/global-accounts/overview) for the full overview. + **Global Accounts** are a special kind of internal account, powered by a self-custody embedded [Spark](https://spark.money) wallet that Grid provisions for your customers to hold a stablecoin balance. They behave like any other internal account on the way in, but every outbound transfer must be authorized by a customer signature. See [Global Accounts](/global-accounts-and-payouts/global-accounts/overview) for the full overview. ### External Accounts