Payouts that arrive inminutes, not days.
Useroutr is the payout platform for businesses paying Africa. Accept USDC from any major chain, and deliver to bank accounts and mobile money in Nigeria — settled on Stellar, at a fraction of legacy cost.
*Delivery-time figures are targets until launch metrics are published.
Paying sellers, workers, and suppliers across borders still costs 3–8% and takes days.
Stablecoins fixed the middle of the journey. Useroutr fixes the last mile — the part where money becomes spendable in a local account.
One journey. Three moves.
Money in
Fund payouts with USDC from Ethereum, Base, or Stellar — from your treasury or straight from your customers through our checkout. One API call or one embed. No cards required.
Settled on Stellar
Funds land in an open-source escrow smart contract and convert to your settlement currency at a locked quote. Settlement completes or funds are refunded — enforced by the contract, not by a promise. Fees are under a cent; finality takes seconds.
Money out
Recipients are paid to bank accounts and mobile money wallets through regulated local partners. You get one webhook when the money is spendable — not when we “initiated” it.
One stack to pay anyone, anywhere.
An API, an SDK, and a dashboard — so a developer ships payouts in an afternoon and a finance operator runs them every week.
- APIQuotes, payments, payouts, recipients, webhooks. Idempotent, predictable, versioned.
- TypeScript SDK + checkoutA typed client and an embeddable checkout modal. Payers never need XLM — fees are sponsored.
- Bulk payoutsPay 1 or 10,000 recipients in one request. Saved recipients, scheduling, honest failure reasons.
- DashboardBalances, payouts, recipients, API keys, webhook logs — for the operator who runs the disbursement.
One request. Any recipient. Local rails.
Save a recipient once, then pay them — or ten thousand of them — to a bank account or mobile money wallet. Every quote shows the mid-market rate next to ours.
First sandbox payout in under 10 minutes.
One API to quote, pay, and reconcile. Typed TypeScript SDK, idempotent requests, signed webhooks — and a webhook that fires when money is spendable, not when we “initiated” it.
1import Useroutr from "@useroutr/sdk";23const useroutr = new Useroutr({ apiKey: "ur_test_…" });45const payout = await useroutr.payouts.create({6 recipientId: "rcp_01J9X…",7 amount: 1_500_000, // ₦15,000.00, in kobo8 currency: "NGN",9 sourceAsset: "USDC:stellar",10});1112// webhook → payout.completed: funds are spendable
Test everything. Free.
- Free test environment on Stellar testnet
- Fully indexed — behaves exactly like production
- No card required to start
- One typed SDK, one API key
Built like it’s your money.
Settle or refund — no third state
Funds sit in an escrow contract that can only pay the merchant or refund the payer. Refunds after timeout are permissionless: you never depend on us to get money back.
Open source where it counts
Settlement contracts are Apache-2.0, public from the first commit, and independently audited before caps lift.
Screened, always
Every payout destination is screened against global sanctions lists before execution.
Regulated partners on the fiat leg
Local delivery runs through licensed anchor partners — never through gray rails.
Pricing you can read
Every quote shows our all-in rate next to the live mid-market rate. See pricing
Build the corridor with us.
We’re onboarding a small number of design partners. If your business sends recurring payouts to Nigeria — marketplace sellers, remote teams, creators, suppliers — we’ll build the corridor with you and lock your launch pricing.