TLDR
- Circle launches CPN for instant global payments
- Send money anytime anywhere with stablecoins
- Fast secure and fully compliant transactions
- One connection unlocks global payment access
- Top partners join to power the future of finance
Circle has officially announced the launch of the Circle Payments Network (CPN), a new infrastructure designed to facilitate real-time cross-border payments. The network enables financial institutions to connect and conduct transactions using stablecoins such as USDC and EURC. CPN is intended to reduce inefficiencies in the global payment system by offering a faster and more cost-effective alternative to traditional methods.
Announcing Circle Payments Network!
A streamlined way for financial institutions to connect, orchestrating global money movement, powered by stablecoins like USDC and EURC for 24/7 real-time settlement.
Existing cross-border payments can be slow and expensive.
CPN is designed… pic.twitter.com/PIyHKRCPQP
— Circle (@circle) April 21, 2025
According to Circle, CPN operates continuously, allowing payments to settle within seconds at any time. The approach aims to eliminate the need for pre-funding accounts across jurisdictions, improving capital efficiency for participating institutions. The network’s stablecoin foundation ensures that all transactions are executed with fully reserved digital dollars and euros.
Circle Technology and Compliance Integration
CPN focuses on compliance and security. All participants in the network are required to standards, including appropriate licensing, operational risk management, and regulatory compliance. Circle has positioned this infrastructure as a compliant and programmable alternative to traditional payment rails, integrating blockchain-based settlement into established financial workflows.
The programmable nature of the network allows institutions to automate and customize payment processes, potentially enhancing their service delivery. By utilizing blockchain technology, CPN is able to facilitate real-time transactions with transparency and traceability, aligning with modern financial compliance expectations.
Circle Payments Network Use Cases and Applications
The Circle Payments Network aim to support a wide range of financial operations. These include invoice payments, remittances, treasury services, and payouts to contractors and employees. Circle has designed the network to be compatible with existing banking systems, aiming to create a seamless integration process for users.
With a single integration, participants gain access to a broad marketplace of payment providers. This removes the requirement for bilateral agreements and allows financial institutions to unlock new payment corridors with minimal effort. The design also seeks to reduce operational overhead while improving the speed and reliability of transactions.
Participation and Global Reach
Circle has partnered with over 20 institutions including dLocal, WorldRemit, BVNK, Yellow Card, and Coins.ph. Each organization contributes industry-specific expertise, supporting the network’s alignment with international banking and payment standards.
The network aims to offer global connectivity without the typical boundaries or delays associated with cross-border transactions. By leveraging stablecoins and blockchain settlement, CPN allows financial institutions to modernize their operations while maintaining the safeguards of traditional financial systems.
With the introduction of CPN, Circle signals a broader strategic shift toward building infrastructure to support global digital finance. The initiative reflects growing interest in blockchain-enabled financial services and the potential for stablecoins to transform international payments
