Everything You Need to Settle INR Payouts at Scale
From stablecoin receipt to INR in the beneficiary's bank account β Zoflo handles conversion, compliance, settlement, and reconciliation through one integrated platform.
Three Settlement Rails, One Integration
Zoflo routes each payout through the optimal Indian settlement rail based on amount, urgency, and beneficiary bank.
You donβt need to choose. Zofloβs routing engine selects the optimal rail automatically based on transaction parameters.
Multi-Chain Stablecoin Acceptance
Fund payouts in USDT or USDC across five blockchain networks.
Confirmation time - Network-dependent
Conversion happens at OTC-benchmarked rates pegged to mid-market/IBR. No order-book exposure. No slippage. Rate is locked at the time of transaction confirmation.
Licensed Escrow Settlement
Every INR payout is settled through a regulated Indian escrow structure.
- βFund SegregationClient funds are never commingled with operational accounts. Each payout is tracked from stablecoin receipt to INR disbursement.
- βFEMA-Compliant ArchitectureZoflo operates a payout-only model. We do not collect money within India.
- βAudit TrailsEvery transaction produces a complete record: stablecoin hash, conversion rate, INR amount, UTR number, bank confirmation timestamp.
- βReconciliationDaily automated reconciliation reports. Monthly settlement summaries. All exportable in CSV/PDF.
Operations Dashboard
Your ops and finance team gets a dedicated control center.
- Live transaction tracking β Status from initiated to confirmed, with UTR numbers
- Balance monitoring β Real-time stablecoin balances, pending conversions, settled INR
- Failed transaction management β Auto-retry (3 attempts), assets returned within 24 hours
- Downloadable reports β Transaction ledgers, reconciliation files, compliance-ready exports
- Multi-user access β Role-based permissions for finance, ops, and admin teams
Security & Infrastructure
Encrypted End-to-End
All API communication over TLS 1.3. Beneficiary data encrypted at rest and in transit. Webhook payloads signed with HMAC for verification.
Wallet Security
Multi-signature wallet architecture for stablecoin custody. No single point of compromise. Cold storage for reserves.
KYB / Merchant Onboarding
Every business completes KYB verification. Ongoing sanctions monitoring, PEP screening, and transaction pattern analysis.
Uptime & Reliability
99.9% platform uptime. Redundant banking integrations ensure payout continuity even during individual bank downtimes.
β Head of Payments, Global Gig Platform
Common Questions
Most businesses integrate within 24 hours. Our single API endpoint covers the entire Indian banking network, making implementation straightforward and fast.
We support USDT on Ethereum, Polygon, Tron, and Arbitrum; USDC on Ethereum, Polygon, Arbitrum, and Base. Additional chains coming soon based on demand.
End-to-end time from wallet funding to INR in beneficiary bank account is typically under 30 minutes via IMPS. We operate 24/7 including weekends.
Yes. Zoflo operates a payout-only model within India's regulatory framework with FEMA compliance. All settlement flows through a licensed escrow structure with full segregation of funds.