insimbi
Illustrative scenario · Fi + Sc
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.
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
- 01 · transaction
Buyers pay by card. Each order splits into the seller's share and the marketplace fee.
- 02 · rails
A payout rule picks the rail per seller: same-day ACH for US sellers, a dollar stablecoin for sellers who ask for it.
- 03 · 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. |
insimbi is in early access with design partners.