> ## Documentation Index
> Fetch the complete documentation index at: https://docs.crossmint.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Overview

> Compliant global money movement with built-in regulatory compliance

<Note>
  **Regulated Transfers has been renamed to Payouts.** All functionality remains the same — this section now lives under the Payouts guide.
</Note>

Crossmint Payouts enable compliant movement of stablecoins without requiring you to get a license or
deal with regulatory hurdles. Simply call a single API to make payouts, and Crossmint takes care of licensing, AML
screening, sanctions checks, and travel-rule compliance automatically, so you can focus on your core operations.

**Key Features**

* **Built-in Compliance**: Automated AML screening, sanctions checks, and KYC verification for every transaction.
* **Travel Rule Compliance**: Automatic IVMS101 data exchange with counterparties.
* **Real-time Screening**: Instant verification against global sanctions lists and PEP databases.
* **Audit Trail**: Complete transaction records for regulatory reporting and audits.

## When Do You Need Regulated Payouts?

Not all payments require regulated payouts. Understanding when compliance is required helps you choose the right approach:

<AccordionGroup>
  <Accordion title="Unregulated Transfers (Standard Wallet Transfers)" icon="arrow-right-arrow-left">
    Transfers between your own treasury wallets are **unregulated** and work like standard crypto transfers.

    **Use cases:**

    * Moving funds between treasury wallets on different chains
    * Rebalancing liquidity across your treasury positions
    * Internal fund management and allocation

    **Compliance requirements:**

    * **No compliance checks required**

    These transfers can be made using standard [wallet transfer APIs](/wallets/guides/transfer-tokens).
  </Accordion>

  <Accordion title="Payouts to Customers" icon="users">
    Payouts to your customers require **full compliance** with travel rule requirements and comprehensive compliance checks.

    **Use cases:**

    * Customer refunds
    * Reward payouts
    * Loyalty program disbursements
    * Customer-facing payment operations

    **Compliance requirements:**

    * **Travel Rule Compliance**: Automatic IVMS101 data exchange with counterparties
    * **Sanctions Checks**: Real-time screening against global sanctions lists
    * **AML Screening**: Automated anti-money laundering checks
    * **KYC Verification**: Identity verification for both parties
  </Accordion>

  <Accordion title="Payouts to External Third Parties (Vendors)" icon="building">
    Payouts to external third parties such as vendors, suppliers, or service providers require **sanctions checks** with lighter compliance requirements compared to customer payouts.

    **Use cases:**

    * Vendor payments
    * Supplier disbursements
    * Service provider payments
    * B2B transactions

    **Compliance requirements:**

    * **Sanctions Checks**: Real-time screening against global sanctions lists
  </Accordion>
</AccordionGroup>

## Use Cases

<AccordionGroup>
  <Accordion title="Cross-Border Remittances" icon="money-bill-transfer">
    Enable instant, compliant remittance flows across borders with automated regulatory compliance.

    * **Instant settlement**: Send cross-border payments in seconds, not days.
    * **Automatic compliance**: KYC, AML, and travel rule requirements handled automatically.
    * **Cost effective**: Significantly lower fees compared to traditional remittance corridors.
  </Accordion>

  <Accordion title="Business Payments" icon="building">
    Send payments to suppliers, partners, and service providers globally with full compliance.

    * **B2B transactions**: High-value business payments with appropriate compliance controls.
    * **Invoice matching**: Link payments to invoices for reconciliation and audit trails.
    * **Multi-currency**: Support for payments in multiple fiat and stablecoin currencies.
    * **Batch processing**: Execute multiple compliant payments efficiently.
  </Accordion>

  <Accordion title="Payroll & Contractor Payments" icon="wallet">
    Pay employees and contractors worldwide while maintaining compliance with local regulations.

    * **Global payroll**: Distribute salaries to team members across borders.
    * **Contractor payments**: Pay freelancers and contractors in their preferred currency.
    * **Tax compliance**: Integration points for tax reporting and withholding.
    * **Recurring payments**: Set up automated, compliant recurring disbursements.
  </Accordion>

  <Accordion title="Marketplace Settlements" icon="store">
    Enable compliant seller payouts and marketplace settlements with automatic compliance checks.

    * **Seller verification**: Automated KYB checks for marketplace vendors.
    * **Payout automation**: Schedule or trigger compliant payouts based on business rules.
    * **Split payments**: Distribute proceeds to multiple parties with compliance coverage.
    * **Dispute handling**: Full transaction history for dispute resolution.
  </Accordion>
</AccordionGroup>

## Why Crossmint Payouts

<CardGroup cols={3}>
  <Card title="Compliance Automated" icon="shield-check" iconType="duotone" color="#D31D52">
    AML, sanctions, KYC, and travel rule compliance handled automatically.
  </Card>

  <Card title="Licensed Infrastructure" icon="scale-balanced" iconType="duotone" color="#6554C0">
    Operate under Crossmint's regulatory licenses across multiple jurisdictions.
  </Card>

  <Card title="Instant Settlement" icon="bolt" iconType="duotone" color="#FF991F">
    Stablecoin transfers settle in seconds with full compliance coverage.
  </Card>

  <Card title="Audit Ready" icon="clipboard-list" iconType="duotone" color="#00B8D9">
    Complete audit trails and regulatory reporting built-in.
  </Card>
</CardGroup>

## How It Works

### 1. Initiate Payout

Create a payout request with sender and recipient details. Crossmint validates all required information.

### 2. Compliance Screening

Automated compliance checks run in real-time:

* **Identity Verification**: Confirm KYC/KYB status of both parties
* **AML Screening**: Check against global watchlists and sanctions lists
* **Risk Assessment**: Evaluate transaction risk based on multiple factors
* **Travel Rule**: Exchange IVMS101 data with counterparty VASPs if required

### 3. Approval & Execution

Once compliance clears, the payout is approved and executed:

* Stablecoin transfer settles on-chain instantly
* All compliance data is recorded and stored
* If compliance checks fail, the transaction does not go through

## Get Started

<CardGroup cols={1}>
  <Card title="Quickstart" icon="bolt" iconType="duotone" color="#FF991F" href="/stablecoin-orchestration/regulated-transfers/quickstart">
    Get started with payouts in minutes
  </Card>
</CardGroup>