Importers

Pay international suppliers from local markets using fiat, stablecoins, and global payment rails. StableStack gives importers and platforms serving import businesses the infrastructure to move money from local currencies into the currencies and payment rails required by overseas suppliers.

What You Can Build

International supplier payments
Import invoice settlement
USD supplier payments
China supplier payments
Local currency to stablecoin conversion
Stablecoin-funded international payments
Local collection and international settlement
Supplier payouts

How the Flow Works

An importer can start with local currency and settle an overseas supplier in the required currency. Local currency → StableStack → conversion / settlement → international rail → supplier Stablecoins can also be used as an intermediate settlement layer. Local currency → stablecoin → settlement currency → payment rail → supplier

Example: Nigerian Importer Paying a Chinese Supplier

An importer receives or holds NGN and needs to pay a supplier in China.

Direct Fiat Flow

NGN → USD → CNAPS → China

Stablecoin Settlement Flow

NGN → USDT/USDC → USD → CNAPS → China CNAPS transactions supported by StableStack use USD as the payment currency and China as the destination. The originating country must be supported for the relevant corridor. See CNAPS Coverage for supported origination countries.

Supplier Payments

Depending on the destination and available route, StableStack can orchestrate:

Local fiat conversion
Stablecoin settlement
USD settlement
International bank transfers
Local currency payouts

The API provides a consistent interface while the underlying payment route depends on the supported corridor.

Example: Stablecoin-Funded Supplier Payment

An importer already holds USDT. USDT → StableStack → USD → CNAPS → Chinese supplier The stablecoin is the source of funds. StableStack handles the conversion and routing required for the final USD payment.

Example: Local Currency-Funded Payment

An importer holds NGN. NGN → StableStack → USDT/USDC → USD → international rail → supplier The stablecoin layer can provide an intermediate settlement path before the final fiat payout.

Why This Matters

Importers often operate across multiple payment environments:

Local bank accounts
International suppliers
Multiple currencies
Stablecoin wallets
Different payment rails

StableStack provides one orchestration layer across these environments.

Core Flow

Onboard your vendor as a customer

Register each vendor as an individual or business customer. This lets you manage payout methods per vendor and track payments per relationship.For a business vendor:

POST /business-customers

{
	"business_name": "Shenzhen Parts Ltd",
	"email": "accounts@shenzhenparts.com",
	"country": "China",
	"phone": "+8613800138000"
}

For an individual vendor:

POST /individual-customers

{
	"first_name": "Wei",
	"last_name": "Zhang",
	"email": "wei.zhang@example.com",
	"country": "China"
}

Verify the vendor's bank account

Resolve the vendor’s bank account details before saving them, to catch errors before funds are sent.

GET /banks/resolve?account_number=1234567890&bank_code=000004

Save the vendor's bank as a payout method

Store the verified bank details against the vendor’s customer profile for fast, repeatable payments.

POST /payout/methods/banks

{
	"customer_id": "VENDOR_CUSTOMER_ID",
	"account_number": "1234567890",
	"bank_code": "000004",
	"bank_name": "United Bank for Africa",
	"currency": "USD",
	"country": "United States",
	"recipient_name": "Shenzhen Parts Ltd"
}

Get the fee estimate

Check the fee before initiating any payment so you can reconcile costs in your accounting system.

GET /payouts/fees?currency_type=FIAT&currency=USDC&recipient_currency=USD&amount=20000

Pay the vendor

Send a bank withdrawal. StableStack debits your stablecoin balance and delivers the equivalent fiat to the vendor’s bank.

POST /payouts/banks

{
	"customer_id": "VENDOR_CUSTOMER_ID",
	"currency": "USDC",
	"account_number": "1234567890",
	"bank_name": "Chase Bank",
	"bank_code": "021000021",
	"amount": "20000",
	"recipient_name": "Shenzhen Parts Ltd",
	"recipient_currency": "USD",
	"recipient_country": "United States"
}

Track the payment and reconcile

Look up the transaction by your reference ID or query all transactions for a given vendor.

GET /customers/transactions/by_ref_id/{reference_id}
GET /customers/transactions/by_customer_id/{customer_id}

Vendor Management Pattern

Managing many vendors is straightforward with StableStack’s customer model:

Customer (vendor profile)
├── Payout Method → Bank (USD, Chase)
├── Payout Method → Bank (EUR, Deutsche Bank)
└── Transactions  → All payments to this vendor

Each vendor’s payment history is queryable by customer_id, making reconciliation and audit trails easy.

Key APIs Used

Endpoint	Purpose
`POST /business-customers`	Register a business vendor
`POST /individual-customers`	Register an individual vendor
`GET /banks/resolve`	Verify bank account before saving
`GET /banks`	Look up bank codes
`POST /payout/methods/banks`	Save a vendor’s bank account
`GET /payouts/fees`	Check fees before paying
`POST /payouts/banks`	Pay vendor via bank transfer
`GET /customers/transactions/by_customer_id/{id}`	View all transactions for a vendor

Next Steps

Authentication — Get your API key
Webhook Events — Get notified when a payment completes
Supported Currencies — Full corridor list

Get Started

Webhooks

Libraries

Coverage

Use Cases

Prohibited

What You Can Build

How the Flow Works

Example: Nigerian Importer Paying a Chinese Supplier

Direct Fiat Flow

Stablecoin Settlement Flow

Supplier Payments

Example: Stablecoin-Funded Supplier Payment

Example: Local Currency-Funded Payment

Why This Matters

Core Flow

Vendor Management Pattern

Key APIs Used

Next Steps

​What You Can Build

​How the Flow Works

​Example: Nigerian Importer Paying a Chinese Supplier

​Direct Fiat Flow

​Stablecoin Settlement Flow

​Supplier Payments

​Example: Stablecoin-Funded Supplier Payment

​Example: Local Currency-Funded Payment

​Why This Matters

​Core Flow

​Vendor Management Pattern

​Key APIs Used

​Next Steps

What You Can Build

How the Flow Works

Example: Nigerian Importer Paying a Chinese Supplier

Direct Fiat Flow

Stablecoin Settlement Flow

Supplier Payments

Example: Stablecoin-Funded Supplier Payment

Example: Local Currency-Funded Payment

Why This Matters

Core Flow

Vendor Management Pattern

Key APIs Used

Next Steps