Payments Rails
Modern transactions
Native transfers, batch payments, and programmable transaction patterns
Beyond card swipes
Modern transaction rails include account-to-account transfers, push payments to QR addresses, batch disbursements, and conditional releases. Tokenised ledgers add programmability: same infrastructure serves P2P, B2B, and payroll—in USDC, EURC, XOFC, or other supported assets.
PayLink Transactions
PayLink Transactions moves digital balance between wallets on the network:
- Simple transfer — one sender, one recipient, one amount
- Batch transfer — many recipients in one operation; each leg tracked separately for audit
Transfers settle digitally; your app learns completion via status events and optional Echo notifications.
Idempotency and references
Attach business references (invoice_id, payroll_run_id) in metadata. Use client-supplied idempotency keys so mobile clients retry safely on flaky networks.
Comparison with legacy ACH
| Feature | Legacy ACH/file | Tokenised batch |
|---|---|---|
| Cut-off times | Banking hours | 24/7 |
| Status tracking | Delayed returns | Real-time status + reference |
| Cross-border | Correspondent chain | Digital corridor + local off-ramp |