Collect prop-firm deposits, pay winners the minute they hit target

No. Paymos is the payment rail; the authorisation your jurisdictions require — NFA and CFTC registration in the US, FCA in the UK, ASIC in Australia, CySEC in the EU, plus any local registration — stays with the broker, as does your own trader KYC, AML and onboarding. Paymos doesn't grant any of it, doesn't check it, and is no shield if a regulator comes asking. Opening an account takes no KYC or business documents and nothing about the instruments you trade — that verification step does not exist in the product. Whether you may operate is your call and your risk. Hold the authorisation, run the onboarding, route the payments through the rail.

A confirmed stablecoin transfer settles on the network and has no issuer or bank standing behind it to reverse it later, the way a card chargeback can. For a broker that means a deposit or challenge fee is a settled fact once confirmed — not a provisional credit waiting out a dispute window while the trader is already in the market. The trade-off: a genuine error or a policy refund is something you send as an outbound transfer, on your own terms, rather than a reversal a network forces on you.

Payouts are operator-initiated outbound transfers your platform authorises — your system decides who gets paid and how much, then sends them: one recipient per call over the API, or as a payout run in the dashboard, where a single dialog carries up to 50 whitelisted traders and shows, before you send, how many of those your account limit still leaves free. Paymos signs them on isolated infrastructure and settles them only to traders' whitelisted wallets, final on confirmation. A new payout address is whitelisted first — a 2FA step — so a trader's first payout carries that one approval; a repeat payout to a saved address has nothing in front of it at all. Paymos takes no commission on a payout; you pay only the network fee per transfer, and less of it than the route costs. It doesn't make the payout decision or run your payout logic — it executes what your platform approves and confirms each transfer back to your ledger.

Traders are crypto-comfortable and global, so they pay and get paid in what they already hold. USDT and USDC dominate: USDT on Tron is the default for international challenge fees because it's the USDT most overseas traders carry — popular for liquidity. A trader funds from the venue where the balance already sits. USDC on Base, Polygon and Arbitrum suits mid-size flows at a few cents of gas, and Ethereum shows up on large institutional deposits where finality matters most. You accept across 13 production blockchain networks; let the trader pick the network and stablecoin at deposit, and pay out in USDT or USDC on the network they prefer.

A refund — a cancelled challenge, a failed deposit, a policy reversal — is an outbound transfer out of your Paymos balance to the trader's wallet, started from the dashboard or API. You control the amount and the timing under your own terms. The 1.0% applies only to a settled deposit, so nothing extra is charged on the refund, and there's no reversal landing on you weeks later the way a card chargeback can.

Paymos runs on standard payment-rail terms: when a lawful order arrives in a jurisdiction where we operate, we honour it. If a regulator with valid authority asks us to pause processing for a specific broker or prop firm, we comply, the same way any processor would. The threshold is regulatory action against your authorised entity — not a category-level pullback at acceptance, because there's no category code to flag. Paymos is the rail, not the regulator; the authorisation question stays yours.