Global payments infrastructure for the agentic economy
Composed by machines. Legible to humans. Settled as fact.
The thesis
The next trillion dollars of payment volume won't be initiated by a person clicking pay. It will be composed by software — agents paying agents, worldwide, in stablecoins, at sub-cent ticket sizes card rails cannot serve.
coinsonnet is the settlement layer for that economy — and it runs on what it sells: compliance, treasury routing, reconciliation and support operated by an AI workforce, with humans on the vision and the edge cases.
Bitcoin, Ethereum, and the stablecoins your customers actually use — settled to fiat or held on balance, your choice.
Modular building blocks you can compose into any payment flow — turnkey or fully white-labeled.
Accept crypto and stablecoin payins, send payouts, and reconcile everything in real time across 40+ assets and 10+ blockchains.
Explore payments →Embedded fiat-to-crypto conversion with local payment methods in 30 EEA countries. Your brand, our rails and licensing.
Explore ramps →Give every customer a permanent crypto deposit address, with each payment auto-converted to your settlement currency and reconciled for you.
Explore payment channels →Multi-currency accounts that will hold, convert, and move USDC and EURC alongside fiat — with instant internal transfers.
Explore accounts →Segregated, insured custody with MPC key management, configurable governance policies, and full proof-of-reserves reporting.
Explore custody →Pay contractors, sellers, and creators in 30 EEA countries in minutes, not days. One API call, thousands of recipients.
Explore payouts →Use cases
Tailored flows for the most common ways businesses will move money on Coinsonnet — from checkout to payroll.
Accept crypto and stablecoins at checkout, settled to EUR the same day.
Bill recurring revenue in stablecoins, with automatic retries.
Send crypto invoices and reconcile every payment automatically.
Pay thousands of sellers across 30 countries from one balance.
Collect crypto donations on a permanent address, converted on arrival.
Pay contractors and staff worldwide in minutes.
At launch, signing up will give instant sandbox access with test assets. Business verification will run in parallel — most teams should clear it in days.
Drop in our SDKs or hosted checkout. Configure assets, networks, and payout rules from the dashboard — no crypto expertise needed.
Flip the switch and start moving money in 30 EEA countries under our regulatory umbrella once authorised, with real-time monitoring built in.
Stablecoin settlement clears in seconds where correspondent banking takes days. Target median settlement time on Coinsonnet is 4.2 seconds.Target at launch, not a measured result. Compared with the 1–5 business days typical of correspondent banking.
Customers paying out to sellers and contractors in 30 EEA countries will cut their cross-border fees by up to four-fifths versus card and SWIFT rails.Worked example — a stablecoin payout: 0.25%–0.50% exchange fee for a stablecoin pair, plus 0.10% withdrawal. That is 0.35%–0.60% before network fees, against 2.5%–7% on card and SWIFT rails.
Automatic reconciliation, real-time reporting, and webhook-driven workflows will replace the spreadsheet work finance teams do by hand.Illustrative. The saving depends on transaction volume and on the manual process it replaces.
| Bank wires | Card rails | Coinsonnet | |
|---|---|---|---|
| Settlement time | 1–5 business days | T+2 payout | Seconds, by design |
| Cross-border cost | 3–7% all-in | 2.5–4% + FX | Under 1%1 |
| Reach | Correspondent network, banking hours | Card-acquiring markets only | 30 EEA countries, no banking hours |
| Chargebacks | Recalls possible | 0.5–1% typical | None — settlement is final |
1 Coinsonnet cross-border cost assumes a stablecoin payout: 0.25%–0.50% exchange fee for a stablecoin pair plus 0.10% withdrawal, before network fees. Merchant processing is charged separately at 1.00% of the order amount. The full schedule is on the pricing page.
Embed crypto products into your app without becoming a crypto company.
Add stablecoin settlement and crypto acceptance to your merchant stack.
Pay out global sellers instantly and cut cross-border fees by up to 80%.
Offer regulated digital asset trading and custody to your customers.
Frictionless funding, in-game economies, and compliant fiat off-ramps.
Pay international teams in stablecoins with local off-ramp options.
One elegant API will serve every product. Idiomatic SDKs, an instant sandbox, webhooks for every event, and documentation your engineers will actually enjoy.
import { Coinsonnet } from "@coinsonnet/sdk";
const sonnet = new Coinsonnet(process.env.API_KEY);
const payment = await sonnet.payments.create({
amount: "2500.00",
currency: "USDC",
network: "base",
customer: "cus_9f2k1x",
metadata: { invoice: "INV-2026-0611" }
});
// → settled in 4.2s, webhook delivered
console.log(payment.status); // "confirmed"Compliance isn't a feature we added. It's the foundation we built on.
100% of customer funds will be segregated from operating accounts, with insured qualified custody.
Real-time transaction monitoring, sanctions screening, and travel-rule compliance on every transfer.
Operate across the EEA under our CASP and PI authorisations once granted — or bring your own licences and use our infrastructure.
Compliance keeps the regulator satisfied. Security will keep your money and data safe — and it gets the same engineering attention as settlement.
Partners
Analytics, custody and key management will run on established providers under contract, rather than on tooling we build ourselves. Each will be engaged before launch.
Blockchain analytics and transaction monitoring
AML screening and financial crime risk data
Travel Rule compliance and counterparty verification
MPC wallet and transfer infrastructure
Qualified custody
Exchange liquidity and trade execution
Partner names and logos are the trademarks of their respective owners. Their inclusion reflects a contractual relationship and does not constitute an endorsement of Coinsonnet, nor does it imply that any Coinsonnet service is yet operational.
Tell us about your payment flows — or join the waitlist and be first in when we launch.