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VoltPay Docs

Payment Optimization

Overview

Section titled “Overview”

VoltPay automatically routes each payment through the cheapest, fastest rail available for that specific corridor.

The Stablecoin Sandwich

Section titled “The Stablecoin Sandwich”

For most international payments, VoltPay uses this pattern:

Your USD → USDC (via Bridge.xyz) → Local currency offramp → Contractor's bank

This bypasses the correspondent banking network entirely, eliminating:

  • FX markup from your bank (typically 2-5%)
  • Correspondent bank fees ($15-30 per hop)
  • Receiving bank fees ($10-25)

Result: Payments that cost $48+ via traditional wire cost $3-5 through VoltPay.

Savings Reports

Section titled “Savings Reports”

After each pay run, you receive a savings report showing:

  • What you paid through VoltPay
  • What the same payments would have cost via bank wire
  • Your total savings for this run and cumulative to date

Per-Corridor Optimization

Section titled “Per-Corridor Optimization”

VoltPay learns which rails work best for your specific payment corridors. Over time, routing improves as the system identifies:

  • Fastest delivery paths per country
  • Most reliable rails per corridor
  • Optimal timing for currency conversion
Section titled “Related”