Disburse USDC to sellers globally using Circle Programmable Wallets and the Circle Payments Network

Verified steps

1. Create a Circle developer account and enable Programmable Wallets in the Circle Console; obtain an API key scoped to wallet management and payout operations.
2. Create a wallet set and provision an on-chain wallet for each payee via POST /v1/w3s/wallets (specifying blockchain, e.g., ETH, SOL, or AVAX), or use Circle's custodial wallets if you want Circle to manage private keys.
3. To send USDC, initiate a transfer via POST /v1/w3s/developer/transactions/transfer specifying sourceWalletId, destinationAddress (recipient's on-chain address), amount, and tokenId (Circle's USDC token ID for the target chain).
4. For Circle Payments Network (CPN) corridors, use the CPN Managed Payments API to instruct Circle to send USDC to a registered CPN participant bank or PSP that will distribute to the end recipient in local currency.
5. Monitor transaction status via GET /v1/w3s/transactions/{id}; wait for state=CONFIRMED (typically requiring a configurable number of on-chain confirmations per chain) before marking the payout as settled.
6. Handle FAILED or CANCELLED transaction states by inspecting the errorCode field — common causes include insufficient gas, invalid destination address, or compliance screening failure — and retry only after resolving the root cause.