Stablecoin settlement
Stablecoin settlement built for payment operations
Use stablecoins as an operational settlement layer—supported by explicit payment states, treasury controls, conversion routes, and records your finance team can reconcile.
Product information reviewed . Availability is subject to onboarding and enabled capabilities.
Answer first
What Radom provides
Radom supports stablecoin settlement workflows by connecting supported crypto payments, Open Banking or virtual-account collections, Radom balances, quoted conversions, webhooks, and payout routes. It is payment infrastructure, not a yield product: exact assets, networks, currencies, corridors, timing, and permissions depend on the products enabled for your organisation.
Product fit
Who this is for—and when it is not the right route
Good fit
Payment processors and fintechs
Connect bank or crypto collection to a supported stablecoin operating balance and downstream disbursement.
Platforms and marketplaces
Separate payer experience from treasury and beneficiary settlement while retaining a traceable reference chain.
Treasury and finance teams
Use supported conversion pairs and explicit payment events rather than reconciling transfers across unrelated tools.
Use another route when
Investment, yield, or token issuance
Radom's settlement workflow is for collecting, converting, holding operational balances, and moving payments—not promising returns or issuing your own stablecoin.
Every asset on every network
Only expose routes returned by the current product or API for the organisation and network you have enabled.
A substitute for controls
Faster value movement still needs approval ownership, counterparty data, reconciled ledgers, and exception handling.
Capabilities
A connected operating workflow
Multiple collection entry points
Begin with supported on-chain payments, bank-led checkout, virtual-account deposits, or dedicated crypto deposit flows.
Stablecoin destination balances
Where enabled, bank-connected collection can settle into supported stablecoin balances on an agreed destination network.
Quoted conversion
List supported pairs, request an amount-specific quote, and accept that quote through Radom's documented Conversion API.
Event-led reconciliation
Join your internal references to Radom payment, deposit, conversion, and payout records and react to final states through webhooks.
Treasury-to-payout handoff
Use supported crypto or fiat payout routes after the source balance, destination, and beneficiary model have been confirmed.
API and dashboard operations
Choose the operating surface appropriate to the workflow, from developer integration to finance-led operational actions.
Implementation
From requirements to reconciled operation
- 01
Define the settlement objective
Document who pays, the source rail and currency, which balance should receive value, and where funds ultimately need to go.
Control: Do not choose a stablecoin solely because it is fast; confirm accounting, asset, network, and counterparty requirements.
- 02
Confirm supported routes
Check the collection product, destination network, stablecoin, conversion pair, payout corridor, and organisation permissions.
Control: Drive selectors from current API or product configuration rather than a hard-coded asset list.
- 03
Collect and identify
Create the checkout, virtual account, or deposit flow with your customer, order, merchant, or treasury reference attached.
Control: Preserve the source identity and purpose of funds throughout the internal ledger.
- 04
Wait for the correct finality
Use the final state appropriate to the source rail—bank confirmation for Open Banking or confirmed payment/deposit state for on-chain collection.
Control: Keep authorised, detected, submitted, and processing states separate from available settlement balance.
- 05
Convert when required
Validate the pair, request a fresh quote, display or record the quoted result, and accept within the applicable workflow.
Control: Store the source amount, destination amount, quote identifier, timestamps, and execution outcome.
- 06
Reconcile and disburse
Post the final balance movement to your ledger, apply internal approval rules, and initiate an enabled payout or treasury transfer.
Control: Reconcile fees, rounding, network costs, refunds, failed payouts, and residual balances explicitly.
Decision guide
Choose the route by operating requirement
| Route | Use when | Plan for |
|---|---|---|
| Accept stablecoins directly | The payer already holds a supported asset and on-chain payment is appropriate for the customer journey. | Network selection, confirmation handling, wallet UX, refunds, and treasury exposure still need design. |
| Bank collection, stablecoin settlement | The payer prefers bank rails but the merchant or platform wants an enabled stablecoin operating balance. | Bank finality, market coverage, settlement asset, destination network, and conversion path are configuration-specific. |
| Collect and retain fiat | The business needs fiat account operations and has no operational reason to introduce a stablecoin leg. | Do not add conversion or blockchain movement where it increases cost and reconciliation work without a business benefit. |
| Stablecoin-funded payout | An existing supported balance should fund enabled crypto or fiat disbursements. | Validate beneficiary, corridor, destination data, funding source, fees, and approval controls before initiation. |
Operations
Reconciliation and controls
One reference chain
Link the originating order or account to the collection object, transaction, conversion quote, ledger movement, and payout.
Finality by rail
Treat bank authorisation, blockchain detection, blockchain confirmation, conversion acceptance, and payout completion as distinct states.
Asset and network allowlists
Offer only supported routes and require an explicit network choice wherever the same stablecoin exists on more than one network.
Treasury separation of duties
Separate setup, quote or conversion initiation, beneficiary management, approval, and reconciliation where the operating model requires it.
Risks and limitations
Know the boundaries before launch
Stablecoin is not the same as fiat
A stablecoin tracks a reference asset through its own issuer and network design. Businesses must assess the asset, custody, liquidity, and accounting treatment.
Routes are not universal
Available currencies, stablecoins, networks, conversion pairs, and payout destinations vary by region, onboarding, and enabled product.
Timing is end-to-end
Settlement time includes the source rail, finality checks, conversion, internal controls, and destination payout—not merely blockchain block time.
This page is not legal or accounting advice
Your compliance, finance, and legal teams should determine the appropriate use and treatment of each route for the business and jurisdiction.
Frequently asked questions
Practical answers
What is stablecoin settlement?
Stablecoin settlement uses a supported stablecoin as an operational balance or value-transfer leg after a payment is collected. A complete workflow also covers source-rail confirmation, conversion where needed, reconciliation, controls, and the final payout or treasury destination.
Does Radom provide stablecoin settlement infrastructure?
Radom supports settlement workflows that connect enabled crypto payments, Open Banking or virtual-account collection, balances, quoted conversion, webhooks, and payout routes. The exact combination available depends on onboarding and product configuration.
Which stablecoins and networks can we use?
Public Radom documentation describes USDC in commonly enabled bank-connected flows and USDT on selected destination networks. Supported assets and networks change by route and organisation, so production choices should come from current configuration and API responses.
Can customers pay by bank while we settle in a stablecoin?
Where the relevant Open Banking or virtual-account flow is enabled, bank collection can connect to a supported crypto settlement balance. Confirm the source currency, market, asset, destination network, timing, and refund model before launch.
Can Radom automatically convert every incoming payment?
Do not assume automatic conversion for every flow. Radom publicly documents a Conversion API for listing pairs, requesting quotes, and accepting conversions. Any automated or product-specific conversion behaviour must be confirmed for your configuration.
How should finance teams reconcile stablecoin settlement?
Maintain one reference chain from the source order through collection, transaction, conversion quote, ledger movement, and payout. Reconcile source and destination amounts, fees, network, status timestamps, refunds, exceptions, and residual balances.
Product provenance
Grounded in Radom's public documentation
These sources describe the public product behaviour used on this page. They do not replace a coverage and onboarding check for your organisation.
Collection, webhooks, balances, conversion, and payouts.
Primary public documentation for how collection and settlement functions fit together.Supported pairs, quotes, and quote acceptance.
Primary public documentation for the conversion workflow described on this page.Inbound fiat collection and supported crypto settlement models.
Primary public documentation for virtual-account collection and settlement.Funding models, destination types, and operations.
Primary public documentation for the disbursement leg of a settlement workflow.
