Collect 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. We don't vet who you are or what you trade; 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 triggers each transfer through the API or dashboard. Paymos settles them to the traders' whitelisted wallets, every one co-signed by 2-of-3 MPC, final on confirmation. A new payout address is whitelisted first — a 2FA step — so a trader's first payout isn't instant, though repeat payouts to a saved address are. Paymos takes no commission on a payout; you pay only a reduced network fee per transfer. 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, not low fees, since Tron is the priciest network to send on. 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 from your wallet back to the trader's, 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.