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Treasury wallets support three types of payments, each with different compliance requirements and use cases.

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Payment Types

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1. Between Treasury Wallets

Transfers between your own treasury wallets are unregulated and work like standard crypto transfers. These are simple, fast transfers that don’t require any compliance checks. Use cases:
  • Moving funds between treasury wallets on different chains
  • Rebalancing liquidity across your treasury positions
  • Internal fund management and allocation
How to make transfers:
  • Use the standard wallet transfer APIs
  • No compliance checks required
  • Instant settlement
For detailed instructions on making transfers, see the Transfer Tokens guide.

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2. Payouts to Customers

Payouts to your customers are regulated transfers that must comply with travel rule requirements and run comprehensive compliance checks, including sanctions screening. 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
For more information about regulated transfers and how to set them up, see the Regulated Transfers overview.

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3. Payouts to External Third Parties (Vendors)

Payouts to external third parties such as vendors, suppliers, or service providers require sanctions checks but have 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
For more information about setting up regulated transfers for third-party payouts, see the Regulated Transfers overview.

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Next Steps