Financial Infrastructure Gateway with payout tools
One platform. Every rail. Instant payouts.
Route payouts across crypto and traditional rails—XRPL, Xahau, Solana, Base L2, PayPal, and Instant Bank (ACH/RTP/FedNow)—with transparent fees shown before you send.
Settlement
Seconds
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
Solana
Avg fee: ~$0.0005
Settlement: 1-2s
Ethereum L2
Base L2
Avg fee: ~$0.0005
Settlement: 2-4s
Global Wallet
PayPal Payouts
Avg fee: 0-1.5%
Settlement: Instant
ACH / RTP / FedNow
Instant Bank
Avg fee: ~$0.25
Settlement: Instant / Same-day
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
Onboard
Add the merchant or worker account and payout details.
02
Route
Select the rail and review the fee before sending.
03
Settle
Funds move on-chain and update in the dashboard.
Ready to send a payout?
Simple onboarding, clear fees, and a workflow that matches how small teams actually pay people.