How a payout works

Money only ever moves between your payer's wallet and a provider account in your own name. RailFi's job is everything before that: the comparison, the invoice, the payment instructions, and the checks on the address and the link.

In the free beta today

1. 1

   Tell us your corridor and one real invoice

   Use the free beta form, or ask us to run your next 3 invoices.
2. 2

   Get your side-by-side within 1 business day

   Your off-ramp options with fees, speed and documents needed, plus a USDC invoice template and payer instructions.
3. 3

   Choose a provider and open an account in your own name

   The provider runs its own identity checks and decides whether to serve you.
4. 4

   Your payer sends USDC to your provider account

   Using the payer instructions. RailFi never holds or moves the money.
5. 5

   You tell us when the money has arrived

   We update your invoice status (or email you) as it moves along.

With RailFi payment links

1. 1

   Log in with a one-time email link

   No password. Each link works once and expires after 15 minutes.
2. 2

   Create the invoice

   Enter the amount in USDC, the invoice number and the due date. Pick the network your provider gave you (there is no default), paste your provider's USDC deposit address, retype its last 6 characters, and tick "This is my provider's deposit address for USDC on this network". See Networks and wallet addresses.
3. 3

   RailFi checks the address

   Format and checksum, that it matches the network, that it isn't the zero address or the USDC token contract, and the U.S. Treasury OFAC SDN list. If any check fails, nothing is created. See Sanctions screening and Errors.
4. 4

   RailFi creates an invoice ID and a signed payment link

   The same details always give the same RAIL-… ID, so a double-click never creates two invoices. If anyone changes the link, the payer sees a tamper warning instead of an address. See Invoices and payer instructions.
5. 5

   Your payer checks who they are paying

   The payment page shows your name, when RailFi verified your email, the invoice number and amount, the network, and the full address in 4-character chunks. The sanctions check runs again every time the page opens.
6. 6

   Your payer confirms twice

   They re-select the network, type the last 6 characters of the address from their own wallet's confirm screen, and tick that they will send USDC on that network only, to that address only. Only then do the sending instructions appear.
7. 7

   A small test send first

   Your payer sends a test of 1–5 USDC (you choose; the default is 1). You confirm in RailFi whether it arrived. The full amount stays hidden until you say yes. If you say no, the page tells your payer to stop.
8. 8

   The full amount, then you confirm receipt

   When the money lands in your provider account, you confirm it. Every step is recorded in an audit history you can see.

Invoice statuses

With payment links (in beta), an invoice moves through these statuses. There is no status that RailFi sets on its own to say the money has arrived.

Who does what

• You: choose a provider, open an account in your own name, give RailFi the deposit address, and confirm what arrives.
• Your payer: checks the payment page and sends USDC from their own wallet.
• Your provider: runs identity checks, receives the USDC, converts it and pays out in local currency, under its own terms.
• RailFi: compares providers, prepares the invoice and instructions, runs the checks, and keeps the record. RailFi never holds or moves money.