ProductStablecoins · ozUSD Deposit tokens · OZD For Banks Custody Stellus Network Payouts Pricing

Product · Payouts · The Stellus Network

Settle as a stablecoin. Land as local money.

Stellus moves regulated value on-chain in seconds — then delivers it as spendable local currency through a global payout network reaching 190+ countries and ~100 currencies. Bank-grade deposits and compliant stablecoin settlement on one side; bank accounts, cards, wallets, mobile money, and cash on the other.

Payout countries190+

Settlement currencies~100

Mobile wallet brands145+

Payment methods220+

Real-time corridors100+

Mobile real-time85%+

Network reach reflects the combined coverage of Stellus and our locally licensed payout partners — figures are indicative and subject to corridor availability.

✦ The flow

One ledger from funding to final delivery.

Policy, screening, and approvals run inline at every step — not bolted on afterward.

Inext →
Enter.
Funds arrive at a partner bank or as stablecoin and are attested into reserves within the same operating day. Identity and policy are resolved up front through OzID.
IInext →
Hold as a deposit token.
Mint OZD, a tokenized deposit backed 1:1 under Stellus's Wyoming SPDI charter — programmable, transferable, reconciled in real time.
IIInext →
Settle as a stablecoin.
Convert to ozUSD, an open, 1:1-reserved bearer payment stablecoin, and settle to any counterparty with deterministic, sub-second finality.
IV
Pay out as local money.
Convert at the edge and deliver through our partner network to a bank account, card, mobile wallet, mobile-money account, stablecoin wallet, proxy/alias, or cash pickup — in the recipient's preferred method and currency.

✦ How payout works

Two paths into the last mile.

Whether your dollars sit as a stablecoin or as a tokenized deposit, the payout path is the same shape. The difference is where the value lives before it leaves.

Stablecoin path · ozUSDBearer

From an open bearer stablecoin.

01
Hold or receive ozUSD
Your dollars sit as ozUSD on a supported network — a 1:1 reserved, bearer payment stablecoin.
02
Submit a payout intent
One API call: recipient, amount, network, and the policy you want enforced.
03
Screen + lock FX
OzID verifies the counterparty inline; FX rate is locked upfront with no hidden spread.
04
Burn against reserves
ozUSD is burned at par against reserves; equivalent value lands at our partner network's funding leg.
05
Deliver to the recipient
Local bank, mobile wallet, card, stablecoin wallet, proxy, or cash pickup — recipient's choice.

Deposit-token path · OZDDeposit

From a tokenized bank deposit.

01
Hold OZD as a tokenized deposit
Your dollars sit on the ledger under Stellus's Wyoming SPDI charter — a chartered-institution deposit liability.
02
Submit a payout intent
Same single API. The deposit token is the source of funds; everything else stays identical.
03
Screen + lock FX
OzID verifies the counterparty inline; FX rate is locked upfront with no hidden spread.
04
Convert at par to ozUSD
OZD converts at par to ozUSD on the way out — or, where supported, draws directly from reserves.
05
Deliver to the recipient
Same nine rails, same last-mile partner network, same ledger of record.

Both paths share one ledger, one identity layer (OzID), and the same partner network — the only difference is whether the value starts as a bearer stablecoin or a tokenized deposit.

✦ Coverage

One network. Every leg of the dollar.

Highlighted nodes mark major settlement and disbursement hubs. Coverage extends through our locally licensed partner network into the long tail of corridors that matter.

✦ Methods

Every way your recipients actually get paid.

Nine rails, one API. Stellus normalizes status, latency, and reconciliation across all of them — pick the right rail per corridor automatically, or override per transfer.

DomesticInstantInternationalCardsWalletOn-chainAliasCash

Method · 01Domestic

Local bank transfer

Local-currency delivery across 190+ countries via domestic clearing — ACH, SEPA, BACS, EFT, and equivalents.

Method · 02Instant

Real-time & instant payments

100+ real-time corridors on modern domestic rails: PIX, UPI, FedNow, FAST, SEPA Instant, FPS, NPP, and the others as they come online.

Method · 03International

Cross-border bank

SWIFT (MT and ISO 20022 messaging) and international wires for corridors and currencies where local rails aren't the right answer.

Method · 04Cards

Push-to-card

Send directly to eligible debit and prepaid cards via Visa Direct across 43 markets. UnionPay supported for delivery into China.

Method · 05Wallet

Mobile wallets & e-wallets

Direct connections to 145+ wallet brands and 4 billion+ wallet accounts — GCash, Maya, GrabPay, ShopeePay, Coins.ph, OVO, GoPay, Alipay, WeChat Pay, and more.

Method · 06Wallet

Mobile money

Reach unbanked recipients via mobile-money networks — M-Pesa, Airtel, MTN, Orange, JazzCash, Easypaisa — across Sub-Saharan Africa and South Asia.

Method · 07On-chain

Stablecoin wallets

Instant, 24/7 delivery to USDC and USDT wallets in 140+ countries, reaching 500M+ wallets — a native extension of our on-chain settlement.

Method · 08Alias

Proxy / alias payments

Pay to a phone number, ID, or alias via PayNow (Singapore), UPI (India), and PIX (Brazil) — no full account details required.

Method · 09Cash

Cash pickup

Where digital rails don't reach, deliver to cash-pickup locations across select markets in Latin America, MENA, Africa, and South/Southeast Asia.

Method availability varies by corridor — final mapping confirmed during integration.

✦ Currency

Local money, not just dollars.

Deliver in ~100 currencies across 190+ countries. Funds can travel as ozUSD and convert to local currency at the moment of payout — reducing pre-funding, trapped working capital, and FX drag. Transparent, upfront FX with no hidden deductions; the full amount lands.

What this means in practice

One funding wallet, every corridor — convert on payout, not before.
Upfront FX rates, with no hidden deductions on the recipient side.
Liquidity that runs 24/7/365 — including weekends and bank holidays.
One ledger of record across funding, settlement, FX, and delivery.

✦ Settlement speed

Engineered for real time, honest about the rest.

On-chain settlementSub-second

Deterministic finality between counterparties on the Stellus ledger.

Last-mile deliveryReal time, mostly

85%+ of mobile transactions land instantly. Push-to-card typically arrives in minutes, 24/7.

Funding & FX24 / 7 / 365

Stablecoin funding and conversion run continuously — including weekends and bank holidays.

VisibilityFull status

Real-time transparency on status, location of funds, and FX costs, with proactive notifications.

Final speed depends on the destination rail, corridor, and local banking hours.

✦ Controls

Compliance, by construction.

Stellus was built with regulators in the room, and that posture extends to every payout. Controls run inline — at the point of execution, not in batch the next morning.

Sanctions, PEP, and watchlist screening at the point of execution.
Continuous transaction monitoring with dynamic, context-aware risk scoring.
Travel-Rule-grade originator and beneficiary data carried with each payment.
KYC/KYB and Verification of Payee to cut failed and misdirected payments.
Locally licensed last mile — regulated delivery via partners holding the relevant licences (90+ licences across 40+ jurisdictions).

✦ Built for

The flows real teams actually run.

Global payroll & contractor pay

Fund once in ozUSD; pay teams in local currency to banks, wallets, or cards — on time, every cycle.

Marketplace & creator payouts

High-volume, low-value disbursements to wallets and mobile money — instantly, with one ledger of record.

Cross-border B2B & supplier settlement

Pay invoices in suppliers' local currencies with upfront FX and full reconciliation.

Remittance & disbursements

Reach recipients via proxy rails, mobile money, and cash pickup — including hard-to-reach corridors.

Treasury & liquidity

Hold value as OZD or ozUSD and convert at the edge — eliminating per-corridor pre-funding.

Stablecoin off-ramp

Request a corridor →

Methods, currencies, and market lists are indicative — corridor-level availability confirmed during onboarding.

✦ Access

Move regulated value in seconds — and land it anywhere.

Pilot Stellus in a sandbox that mirrors production. Settle on-chain, pay out locally.

Get started Talk to sales Read the docs

Settle as a stablecoin. Land as local money.

One ledger from funding to final delivery.

Enter.

Hold as a deposit token.