---
title: SEPA EUR Payouts
description: Send USDC and have your receiver get EUR in any SEPA-zone bank account across 40 countries, with settlement in 5 to 30 minutes. Supports B2B, B2C, C2B, and C2C use cases.
date: 2026-05-29
category: New Feature
categoryType: feature
isChangelog: true
---

You can now send USDC and have your receiver get EUR across the SEPA zone. USDC moves on Polygon or Ethereum, and EUR lands in the receiver's IBAN within 5 to 30 minutes.

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## TL;DR

- Send USDC and pay receivers in EUR across 40 SEPA-zone countries
- USDC on Polygon or Ethereum
- Minimum payout: 11 USDC
- Per-payout maximum: $100,000 when the receiver is an individual, $300,000 when the receiver is a business
- Settlement in 5 to 30 minutes after we receive your USDC
- Supports B2B, B2C, C2B, and C2C use cases. 7 countries are C2C-only (see below)
- Same payout API as every other rail. Create a SEPA bank account, request a quote, execute the payout

## How it works

The flow is identical to your existing payouts:

1. Create a bank account with `type: "sepa"`, the receiver's IBAN, BIC, full name, and address. The country of the IBAN determines which use cases are available (see the C2C-only list below).
2. Request a quote for the USDC amount you want to send. We return the EUR your receiver will get.
3. Execute the payout. EUR settles to the receiver's IBAN within 5 to 30 minutes after we receive your USDC.

## Rules

- **Minimum**: 11 USDC per payout.
- **Per-payout maximum**: $100,000 when the receiver is an individual (B2C, C2C) and $300,000 when the receiver is a business (B2B, C2B).
- **No fixed EUR amounts**: quotes take a USDC amount and return the EUR your receiver gets.
- **Networks**: USDC on Polygon or Ethereum mainnet. Native USDC only.
- **Receiver country**: must be one of the 40 SEPA-zone countries listed below.

## Supported countries

All 40 countries below support B2B, B2C, C2B, and C2C use cases unless flagged:

Andorra (AD), Albania (AL), Austria (AT)\*, Belgium (BE), Bulgaria (BG), Switzerland (CH), Cyprus (CY), Czech Republic (CZ), Germany (DE), Denmark (DK), Estonia (EE)\*, Spain (ES), Finland (FI)\*, France (FR)\*, United Kingdom (GB), Greece (GR), Croatia (HR), Hungary (HU), Ireland (IE), Iceland (IS), Italy (IT), Liechtenstein (LI), Lithuania (LT)\*, Luxembourg (LU), Latvia (LV), Monaco (MC), Moldova (MD), Montenegro (ME), North Macedonia (MK), Malta (MT), Netherlands (NL), Norway (NO)\*, Poland (PL), Portugal (PT)\*, Romania (RO), Sweden (SE), Slovenia (SI), Slovakia (SK), San Marino (SM), Vatican City (VA).

\* **C2C-only countries**: Austria (AT), Estonia (EE), Finland (FI), France (FR), Lithuania (LT), Norway (NO), and Portugal (PT) only accept C2C (individual to individual) payouts. Sending to a business beneficiary in these countries (B2B, C2B) or sending from a business sender (B2C) is not supported.

The use case is derived from the sender (your customer) and the receiver:

- **B2B**: business sender to business beneficiary
- **B2C**: business sender to individual beneficiary
- **C2B**: individual sender to business beneficiary
- **C2C**: individual sender to individual beneficiary

## Get started

If your account already has KYC approved, SEPA is available immediately, no extra activation. Create a SEPA bank account from the dashboard or the API, and you're ready to send your first payout.