PayKeeper’s Multi-Rail Escrow combines the security of licensed escrow with the speed of instant global payments. Hold funds until conditions are met, then disburse instantly via traditional banking or stablecoins—all from one platform.
Global Escrow
at the speed of your business.
Why PayKeeper for Cross‑Border Trade?
Traditional escrow works, but it's slow. International wire transfers take days. Cross-border payments involve multiple intermediary banks, high fees, and unpredictable timelines.
Flow of Funds Options
Stablecoin to Stablecoin
1. Buyer funds the escrow wallet in an approved, reserve‑backed stablecoin.
2. On each milestone, PayKeeper releases to supplier/agents in the same stablecoin.
3. Best for time‑sensitive lanes and parties comfortable holding or self‑converting.
Stablecoin to Fiat
1. Buyer funds in stablecoin.
2. Supplier elects automatic off‑ramp to local currency at release.
3. Best when buyers want instant funding but suppliers prefer bank settlement.
Fiat to Stablecoin
1. Buyer wires/ACH; funds are held in escrow.
2. PayKeeper releases to supplier in stablecoin for faster access and optional self‑conversion.
Fiat to Fiat
1. Traditional bank rails on both sides, with PayKeeper providing the neutral escrow, milestone control, and reconciliation.
2. Best for conservative parties who still want programmable releases and visibility.
Why It’s Better Than Existing Options
Vs. Letters of Credit (LCs)
- Faster setup, fewer documents, and milestone flexibility beyond a single presentation event.
- Lower bank fees and no reliance on correspondent cut‑offs.
- Similar protection outcomes with clearer digital visibility for both parties.
Vs. Direct Wires / Crypto Transfers
- Neutral third‑party control, not sender‑controlled. Funds are not released until conditions are met.
- Programmed, partial releases reduce dispute exposure and align with production reality.
- Full audit trail, approvals, and statements simplify accounting.
Technology Integration
RESTful API
Full-featured API for programmatic escrow creation, condition management, and disbursement triggering.
Webhook Notifications
Real-time updates on escrow status, condition verification, and payment completion.
Unified Ledger
Track all transactions, fiat and stablecoin, in one consolidated view powered by Modern Treasury's enterprise-grade infrastructure.
Frequently Asked Questions
What do we need to get started?
Bring a live PO or pro‑forma invoice with Incoterms, your preferred milestones, and counterparties’ details. We’ll KYB/KYC the parties, finalize the escrow schedule, and run a pilot shipment to prove the flow.
Do my recipients need to understand cryptocurrency?
No. Recipients simply provide a wallet address (like an email address). We can guide them through setting up a wallet in minutes. Once they receive USDC (or other reserve-backed stablecoin), they can convert to their local currency through any crypto exchange.
How does my accounting team book the transactions?
PayKeeper provides complete transaction reporting compatible with QuickBooks, NetSuite, and other accounting systems. Stablecoin payments are treated as USD transactions for accounting purposes.
Are there transaction limits?
Stablecoin payments have no practical upper limit. Traditional banking rails follow standard ACH/Wire limits. Contact us for high-volume requirements.
Is it available in my country?
PayKeeper maintains compliance across all US states and work with international clients in jurisdictions where stablecoins are permitted.
What happens if there's a dispute?
Our platform includes built-in dispute resolution workflows. Funds remain in escrow until resolved through our mediation process or as directed by the parties.
Which stablecoins are supported?
We support approved, reserve‑backed stablecoins such as USDC, USDT and EURC. Availability can vary by corridor and jurisdiction; your PayKeeper rep will confirm supported assets and chains for your lane.
How are compliance and sanctions handled?
We perform KYB/KYC for counterparties, run sanctions checks, and use chain‑analytics for on‑chain funds. Transactions from sanctioned addresses or restricted jurisdictions are blocked.
Can we automate payouts to multiple recipients (supplier, agent, forwarder)?
Yes. Milestones can include multi‑party splits (fixed or percentage) with separate remittance details for each recipient. This eliminates side invoices and speeds everyone’s cash cycle.
How does this compare in cost to a Letter of Credit?
Most clients see materially lower fees and faster settlement versus LCs, plus reduced internal handling costs. Exact pricing depends on deal value, rails used, corridors, and add‑on services (e.g., inspection integration).
Schedule a Demo
See PayKeeper Multi-Rail Escrow in action. We’ll walk through your specific use case and show you how to eliminate payment delays.
Start a Pilot
Work with our team to set up a limited pilot with 5-10 transactions. Test stablecoin disbursement with real payments in a controlled environment.
Go Live in Weeks
Our streamlined onboarding gets enterprise clients operational in 2-4 weeks. Developer API access available immediately.