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Marketplace payouts

Platforms can use CashXChain to orchestrate payouts to sellers, contractors, creators, suppliers, or merchants across currencies and countries.

Platform account model​

A platform holds a master key and acts for the businesses it serves, each of which is verified and holds its own accounts — see Platforms. A marketplace that pays individual sellers from its own account registers each seller as a beneficiary instead.

Payout workflow​

  1. Register the seller as a beneficiary — or attach the seller's business, if it has its own account.
  2. Calculate the payout amount in your platform.
  3. Lock an FX rate with a quote if the currencies differ.
  4. Submit one payout per seller, each with its own idempotency key.
  5. Poll each payout to a final status.
  6. Display status to the participant.
  7. Reconcile fees and payout records against statements.

Batch payouts​

There is no batch endpoint. A batch is many payouts — one request each, each with its own idempotency key, status and exception handling — which is also what lets one failed recipient leave the rest of the run untouched. The money routes count against the 600-per-minute limit, so pace a large run.

Compliance considerations​

Platforms must collect accurate participant data and show required terms or disclosures where applicable. Regulated partners may require additional KYC/KYB information based on geography, volume, and payout method.

Best practices​

  • Use managed account ids and beneficiary ids consistently.
  • Do not combine unrelated participant funds without an approved structure.
  • Handle payout failures per recipient.
  • Provide clear status messages to participants.
  • Reconcile batch totals against individual payments.