No minimums, no sales call: stablecoin payouts under the enterprise threshold
For teams paying out less than $500k a month: what self-serve stablecoin payouts cost, and where the limits are, before you sign anything.
If you run payouts in stablecoins (payroll for contractors, rewards, refunds, prize money) and go looking for infrastructure, you will quickly meet a wall with a polite sign on it. BVNK, one of the most established enterprise processors, states its terms plainly on its own site: businesses processing at least $500,000 in payments a month, with a minimum of 6 months of trading/operating history. Pricing is not published; the button says “Speak to an expert”. We checked again on 27 September 2026, and the terms read the same.
That is a reasonable way to run an enterprise sales motion. It also means that if you move $10,000 or $200,000 a month, the enterprise tier is simply not for you — not “expensive for you”, but structurally closed. And below that threshold the alternatives tend to be consumer tools that stop at a handful of recipients, or custodial services where your working balance is their working balance.
We think the space under the threshold deserves infrastructure of its own, not a waiting room.
What “self-serve” means here, concretely
You start at any volume. There is no minimum, no trading-history requirement, no application. Sign in with a wallet, an e-mail link or a passkey, and the first payout can be one recipient with one dollar.
The price is on the screen before you sign. A batch inside one network costs 0.10%. A cross-chain batch, where each person is paid on their own network, costs 0.30–0.90% per transfer. On very small amounts a small floor per recipient applies instead of the percentage. Claims costs 0.30% of the pool. The fee is charged once, on top of the amount, and the exact figure is shown in the interface before any transaction is signed. If a tariff ever differs for your account, you see the difference before the money moves, not on a statement afterwards.
Non-custodial: you send from your own wallet, not from a balance we hold. A batch inside one network goes from your wallet through our contract to every recipient in the one transaction you sign. Across networks, a bridge carries each payment; a Circle (CCTP) payment arrives at our contract on the other network, and two of our service keys release it to the recipient. Refunds go to your wallet; if a payment stops in our contract, we deliver it or refund it ourselves. A Claims pool sits in a contract that no key of ours can touch. There is no balance with us to freeze and no withdrawal to wait for. The honest flip side: we also cannot reverse a payment once it has been delivered.
Where the ceiling is
We publish our limits the same way we publish prices, because hitting an undocumented ceiling at signing time is the worst way to learn it exists. A single batch tops out between 60 and 900 recipients depending on the chain and asset. The limit is how much gas one transaction may use (on HyperEVM, the block itself), and we measured it against our live contract on every network in July 2026. Send splits a longer list into batches for you. A Claims campaign takes up to 2,000 people. Batches inside one network run on seven chains: Ethereum, Base, Arbitrum, Optimism, Polygon, BNB Chain and HyperEVM. A cross-chain batch pays up to 12 people in one signature, each on the network they want, Solana, TON, Bitcoin and Tron included.
If you outgrow all of that, you will be a fine customer for the enterprise tier — and you will arrive there already knowing exactly what your payouts cost, because you watched every fee before signing it.