Receiving a stablecoin payment (pay-in)

Receive stablecoins in a stablecoin Internal Account by sharing a unique blockchain address with the sender.

Modern Treasury represents inbound transfers as Incoming Payment Details (IPDs), the same object it uses for inbound fiat payments.

Example use cases:

Add stablecoins as a payment method in your Checkout experience
Receive stablecoins from an international sender

Get your receiving address details

Each stablecoin Internal Account has a unique blockchain address per supported network. External parties can send stablecoins directly to these addresses.

Get your account's blockchain addresses from the Internal Account object:

curl --request GET \
  -u ORGANIZATION_ID:API_KEY \
  --url https://app.moderntreasury.com/api/internal_accounts/<STABLECOIN_INTERNAL_ACCOUNT_ID>

Use the account_details in the response to find your blockchain addresses:

{
  "id": "<STABLECOIN_INTERNAL_ACCOUNT_ID>",
  "object": "internal_account",
  "live_mode": true,
  "party_name": "Acme Payments Inc.",
  "party_address": null,
  "account_details": [
    {
      "id": "ce594f58-041c-44be-bcdb-714d9e690d78",
      "object": "account_detail",
      "live_mode": true,
      "account_number": "0x9bE868839163E128971Bb6AE045e172Fa806E805",
      "account_number_safe": "E805",
      "account_number_type": "ethereum_address",
      "discarded_at": null,
      "created_at": "2026-04-29T00:56:58Z",
      "updated_at": "2026-04-29T00:56:58Z"
    },
    {
      "id": "749f02b0-6e31-446a-a480-12a1b002557d",
      "object": "account_detail",
      "live_mode": true,
      "account_number": "Gjcc3Zzw9YGhftR9tEAvcBPjEAX79rTQ9GNKoKDqLjzV",
      "account_number_safe": "LjzV",
      "account_number_type": "solana_address",
      "discarded_at": null,
      "created_at": "2026-04-29T00:56:58Z",
      "updated_at": "2026-04-29T00:56:58Z"
    }
  ],
  "routing_details": [],
  "name": "Acme Payments USDC Account",
  "metadata": {},
  "legal_entity_id": "<ORGANIZATION_ENTITY_ID>",
  "currency": "USDC",
  "status": "active",
  "created_at": "2026-04-29T00:56:58Z",
  "updated_at": "2026-04-29T00:56:58Z"
}

Send the relevant address to your counterparty. Modern Treasury records each inbound transfer as a transaction on your stablecoin Internal Account.

Track the incoming payment

Subscribe to Incoming Payment Detail webhooks to track the inbound transfer:

incoming_payment_detail.created — the transfer has been detected on the network.
incoming_payment_detail.completed — the transfer has finalized on chain and the funds are available in your stablecoin Internal Account.

{
  "event": "created",
  "data": {
    "id": "<INCOMING_PAYMENT_DETAIL_ID>",
    "object": "incoming_payment_detail",
    "internal_account_id": "<STABLECOIN_INTERNAL_ACCOUNT_ID>",
    "type": "stablecoin",
    "amount": 100000,
    "direction": "credit",
    "status": "pending",
    "currency": "USDC"
  }
}

Wait for incoming_payment_detail.completed before you treat the balance as final. Completed on-chain transfers cannot be reversed.

For the full IPD object and webhook reference, see Incoming Payment Details.

Test in Sandbox

Call the Simulate Incoming Payment Detail endpoint to simulate a stablecoin IPD. Webhook events fire in the same order as Production, so you can validate your event-driven logic end to end.

For the full list of supported stablecoins and networks, see Stablecoins.