Payouts
MOVE MONEY ANYWHERE, IN ANY CURRENCY
Split every dollar between a local bank account, a USDC wallet and your team. Single payouts, mass batches via CSV or API, and automated tax reports — all from one dashboard.
120+
Destination countries
T+0
USDC settlement
$1M
Daily payout limit (Business)
- Any IBAN, ACH or wire account
- USDC on Solana, Base, ETH, Polygon
- Mass payouts via CSV or API
- Split fiat / stablecoin per payment
- 1099-NEC & invoice generation
- Audit-ready ledger export
Local + crypto
TWO RAILS, ONE BALANCE
Hold a single balance and decide at payout time: a wire to a local bank account, an ACH transfer in the US, a SEPA in the EU, or USDC into a wallet on Solana, Base, Ethereum or Polygon. Set defaults per recipient.
- ACH, SEPA, wire, faster payments
- USDC on 4 chains, lowest-fee routing
- Per-recipient default destination
- Currency lock or convert at settlement
Mass batches
PAY 10 OR 10,000 CONTRACTORS AT ONCE
Upload a CSV, paste a Google Sheet link, or call the batch API. Baynoy validates each row, asks once for two-factor confirmation, then settles in parallel. Failed rows are reported separately so you can fix and retry only what broke.
- CSV upload + validation preview
- Batch API for engineering teams
- Single 2FA confirmation per batch
- Per-row failure reporting + retry
Tax-ready
1099-NEC, INVOICES AND PROOF OF PAYMENT
Generate 1099-NEC forms for US contractors, VAT-compliant invoices for EU recipients, and PDF proof-of-payment for everyone else. Every payout is logged with txhash or bank reference for audit trails.
- 1099-NEC & 1099-K generation
- VAT-compliant invoices (EU)
- On-chain txhash for USDC
- CSV / XLSX / PDF export
Approval flows
SPEND CONTROLS FOR FINANCE TEAMS
Require manager approval over a threshold, auto-approve trusted recipients, and lock down sensitive destinations behind a second factor. Every action is captured in an immutable audit log.
- Per-amount approval thresholds
- Allow-listed recipient wallets
- Hardware key 2FA
- Immutable audit log
Ready to go live?
Sandbox in minutes, production after Tier 1 verification.