Documentation

    QBitFlow docs.

    Everything you need to integrate crypto payments — from your first checkout to going live.

    Marketplace payouts & seller onboarding

    Run a marketplace and QBitFlow pays your sellers for you. You onboard a seller, they get paid, and your platform fee is taken automatically — without you ever becoming the bank. This is the full lifecycle of a seller account, from creation to self-custody.

    How a marketplace is structured

    Organization

    Your marketplace — created when you sign up

    Seller A

    own wallet

    Seller B

    own wallet

    Seller C

    own wallet

    A marketplace is an organization with your sellers as users underneath it. You onboard them and take your cut; each seller has their own revenue stream and their own wallet.

    The account lifecycle

    Seller created

    You create the seller in one API call. No signup needed from them.

    Unclaimed

    They can be paid immediately. Earnings land in your org wallets; QBitFlow tracks the ledger.

    Claim request

    You generate a claim link and send it to the seller.

    Claimed

    Seller sets their password and connects their own wallets.

    Settlement

    You send the tracked balance in one signature. Amount pre-filled from the ledger.

    On-chain

    Future payments go straight to the seller's own wallet, non-custodially.

    Instant path: create the claim request at the same time as the seller and skip straight to On-chain — no unclaimed balance, no settlement step.

    Step by step

    1. 1

      Your organization is created on signup

      When you sign up, an organization is created automatically with you as the owner, and you set up your organization wallets. This is your platform's home base — where unclaimed sellers' earnings are received.

    2. 2

      Create sellers via the SDK or API

      With one call you create a user-level account for a seller. From that moment they can already receive payments — you don't have to wait for them to sign up.

      Create a seller
      Requires an organization-level API key (admin only).
    3. 3

      Sellers earn immediately, into a tracked balance

      Until a seller claims their account, it is unclaimed: they can be paid, but they don't have access to the account yet. Those payments are received into your organization wallets, and QBitFlow keeps a precise ledger of exactly how much is owed to each unclaimed seller. Nothing is lost or ambiguous — every cent is tracked and reviewable.

    4. 4

      Claim an account when you're ready to onboard the seller

      Create a claim request for that seller. QBitFlow returns a link — you send it to the seller, who sets their password and their wallets. From then on they have full access to their own account.

      Create a claim request
      Also uses your organization-level API key.
    5. 5

      Settle what they earned — once, with one signature

      When a seller claims their account, QBitFlow creates a claim-fund entry for you. Your dashboard lists every claimed account waiting to be settled, with the exact amount already filled in from the ledger QBitFlow kept while the account was unclaimed. You review it — the full ledger entries are there if you want to verify every line — then sign one transaction to send the funds. That's it.

    6. 6

      After that, it's hands-off and non-custodial

      Once settled, that seller is fully on-chain like any other. Their future payments go straight to their own wallet, your platform fee is taken automatically each time, and you have nothing left to do — you just receive your share whenever they get paid.

    The two-sided trust layer — why it matters

    Steps 3–5 are the trust layer. It solves a genuine tension every marketplace feels.

    Sellers: zero onboarding friction

    A new seller can list, sell, and start earning before they've signed up for anything. You don't lose them to a signup wall at the exact moment they're deciding whether your marketplace is worth the effort.

    You: commit only once they're worth it

    You're not pushing funds to strangers. A seller's earnings accrue in a tracked ledger, and you only create the claim request — and settle their funds — once they've proven real and trustworthy. If someone never pans out, you were never on the hook.

    Who holds the money?

    QBitFlow never holds funds. While an account is unclaimed, the marketplace temporarily holds that seller's earnings in its own organization wallets, and QBitFlow keeps only the ledger recording what's owed. Once the seller claims and you settle — or from the first sale, if you onboard them on-chain immediately — every payment goes straight to the seller's own wallet. The smart contracts are open-source and auditable, so neither side has to take our word for any of it.

    Fees: two separate things

    QBitFlow's fee

    1.5% flat

    A flat 1.5% on every transaction. This is QBitFlow's only charge — no setup, monthly, or withdrawal fees.

    Your platform fee

    you set it

    A separate percentage you charge your sellers, set per seller (organizationFeeBps, in basis points). It's deducted automatically on top of QBitFlow's 1.5% and routed to your organization.

    The two are always kept distinct: QBitFlow's flat 1.5% is never your platform fee, and your platform fee is entirely yours to set.

    Which API key to use

    • The API key authenticates as its owner. Create sellers and claim requests with your organization-level API key.
    • To actually get a seller paid, create the checkout session with that seller's user API key — this creates a session checkout for the seller, so funds (and your platform fee) route correctly.

    Prefer no trust layer? Onboard instantly.

    The trust layer is optional. To bring a seller fully on-chain from the start — no held balance, no settlement step — simply create the claim request at the same time you create the seller. They set up their account in a few steps and are immediately live and self-custodial.

    No claim-fund to settle, no signature, no funds for you to send later — every payment goes straight to the seller's own wallet from their very first sale. Pick this when you already trust the seller; pick the trust layer when you want to let them earn first and commit later.

    See it end to end

    Prefer the plain-English version? The marketplace overview walks through the same flow from both the marketplace's and the seller's point of view.

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