# Send Stables The **Send** flow powers cross-border remittances and enterprise payouts across Epay. By leveraging stablecoins, multi-chain routing, and efficient settlement mechanisms, users can move value globally with speed, transparency, and minimal cost. *** #### P2P Cross-Border Remittances * **Instant Transfers**: Users can send stablecoins to recipients across borders in near real time. * **Simple UX**: Transfers abstract blockchain complexity, requiring only recipient details (wallet, phone, or bank). * **Global Reach**: Works seamlessly across 100+ supported countries. * **Low Fees**: Fractional costs compared to traditional remittance networks. *** #### Multi-Chain Routing Epay’s settlement layer routes transfers intelligently across supported blockchains: * **Ethereum L2s** (e.g., Arbitrum, Optimism) for low-cost, high-security transfers. * **Solana** for ultra-fast, high-throughput remittances. * **Stellar** for established payment corridors and local anchor integrations. * **Polygon & Others** as expansion chains to maximize user choice. **Routing Logic:** * Optimizes for lowest fee + fastest confirmation. * Automatically switches chains in case of congestion or downtime. * Ensures seamless UX with no manual chain selection required by users. *** #### Settlement Guarantees & Low Fees * **Locked Settlement Rates**: Once a transfer is initiated, the conversion rate and network fees are locked. * **Transaction Finality**: Settlement is guaranteed by Epay’s infrastructure even if liquidity providers shift. * **Fee Transparency**: Users see all costs upfront—no hidden deductions. * **Scale Economies**: Epay’s aggregated routing lowers costs further as volumes grow. *** #### Enterprise Use Cases * **Bulk Payouts**: Companies can disburse payroll, vendor payments, or affiliate rewards in stablecoins to multiple recipients across jurisdictions. * **API-Driven**: Bulk transfers can be automated via Epay’s enterprise API suite. * **Compliance-Ready**: Integrated KYC/AML checks ensure regulatory coverage for corporate flows. * **Cost Savings**: Reduces reliance on correspondent banking networks, cutting settlement times from days to minutes. *** #### Key Benefits * **For Individuals**: Faster, cheaper, more transparent remittances to family and friends. * **For Enterprises**: Scalable payout infrastructure with regulatory compliance built in. * **For Developers**: Multi-chain routing APIs simplify cross-border payment integration. * **For Everyone**: Reliable settlement guarantees build trust in digital remittances. *** ⚡ The **Send** flow establishes Epay as a global settlement network—bridging individuals and enterprises to a future of fast, borderless, and low-cost money movement. --- # Agent Instructions: Querying This Documentation If you need additional information that is not directly available in this page, you can query the documentation dynamically by asking a question. Perform an HTTP GET request on the current page URL with the `ask` query parameter: ``` GET https://docs.epaywallet.net/features/send-stables.md?ask= ``` The question should be specific, self-contained, and written in natural language. The response will contain a direct answer to the question and relevant excerpts and sources from the documentation. Use this mechanism when the answer is not explicitly present in the current page, you need clarification or additional context, or you want to retrieve related documentation sections.