Financial Infrastructure Gateway with payout tools
One platform. Every rail. Unified payouts.
Route payouts across crypto and traditional rails—XRPL, Xahau, Solana USDC, Base USDC, PayPal Sandbox, and Bank ACH/RTP—with transparent fees shown before you send.
Settlement
Real-time to Next-Day
Rails
6 options
Setup
Minutes
Live fee calculator
1.5% under $20, then $0.30 flat at $20 and above.
Supported rails
Compare the networks you can route through today.
Decentralized L1
XRPL
Avg fee: ~$0.0001
Settlement: 3-5s
Smart Contract L1
Xahau
Avg fee: ~$0.001
Settlement: 3-5s
High Throughput SPL
Solana
Avg fee: ~$0.0005
Settlement: 1-2s
Ethereum L2
Base
Avg fee: ~$0.0005
Settlement: 2-4s
Payouts API (Sandbox)
PayPal Payouts
Avg fee: Standard Fee
Settlement: Near Instant
ACH / RTP / FedNow
Bank Transfers
Avg fee: ~$0.25
Settlement: Instant (RTP) / Next-day (ACH)
What it does
Straightforward product language, not a pitch deck.
Fast settlement
Send payouts in seconds across crypto rails, or use ACH, RTP, and FedNow for traditional transfers.
One API
One integration connects to all six rails. Switch between crypto and traditional payments without changing code.
Basic controls
Track every payout in the InstaPay IPX dashboard, with webhooks and idempotent requests for reliable delivery.
Built for small teams
Run gig payouts and merchant transfers through one InstaPay IPX workflow.
Clear pricing
See exact fees on every quote before you confirm. No surprises, no hidden costs.
Operational visibility
Monitor payouts, review history, and manage routing—all in the InstaPay IPX dashboard.
01
Stage
Stage worker or merchant payout destination coordinates.
02
Route & Quote
Select the rail, run compliance pre-checks, and review upfront fee.
03
Disburse
Funds disburse across selected rail with automated ledger reconciliation.
Ready to send a payout?
Simple onboarding, clear fees, and a workflow that matches how small teams actually pay people.