# A marketplace paying sellers in dollars and stablecoins

A US marketplace with 40,000 sellers, some in the US and some abroad.

**Illustrative scenario.** A fictional type of business, not a customer. No results are claimed.

Cohorts: Fi + Sc

## The problem

Sellers want to be paid on their own terms. US sellers want next-day bank deposits. Sellers abroad wait days for wires and lose money on conversion. Finance can't see what each payout really costs.

## Value anatomy

1. **Transaction**: Buyers pay by card. Each order splits into the seller's share and the marketplace fee.
2. **Rails**: A payout rule picks the rail per seller: same-day ACH for US sellers, a dollar stablecoin for sellers who ask for it.
3. **Record**: Every payout carries its fee lines and the rule that chose the rail. Each settlement reconciles to its orders.

## What it uses

- **Routing rules**: Rules by card type, region, amount or time. Reviewable and reversible.
- **Bank payouts**: ACH, same-day ACH and instant bank rails, per account.
- **Stablecoin payouts**: Pay sellers, suppliers or partners in stablecoins, by rule.
- **Wallet screening**: Screen counterparties before money moves.
- **Fee lines**: Network, scheme and insimbi fees, itemized per transaction.
- **Reconciliation**: Each settlement row matched to the transactions behind it.

Request access: sales@insimbi.net

_insimbi is in early access with design partners._