How Coinflow embedded Brale to power Instant Treasury at scale

Coinflow builds payments infrastructure for platforms that move money at high velocity and want faster settlement than traditional payment processors allow.

To deliver faster settlement and better economics for those platforms, Coinflow deeply embedded Brale's regulated stablecoin issuance infrastructure directly into its payments stack.

The result is Instant Treasury: a system where card-funded balances settle instantly into a branded stablecoin, can generate treasury revenue while idle, and withdraw across multiple payout rails.

At a glance

Coinflow partnered with Brale to implement an Instant Treasury architecture that allows platforms to settle balances instantly, generate treasury revenue on idle funds, and move money across multiple payout rails.

Instant card-to-stablecoin settlement: Card-funded deposits processed through Coinflow settle instantly into cfUSD, Coinflow's branded stablecoin.
Programmable platform balances: Balances can move instantly across purchases, rewards, and transfers.
Treasury revenue on idle funds: Stored balances can participate in reserve-backed treasury strategies.
Multi-rail withdrawals: Funds can exit through bank, card, or crypto payout rails.
Production scale: Coinflow processes millions of transactions using infrastructure powered by Brale.

The opportunity

Many of the companies using Coinflow operate products where user balances are a core part of the user experience.

Marketplaces hold seller proceeds before payout. Gaming platforms maintain player balances. Fintech applications rely on stored funds between transactions.

In these systems, traditional payment settlement becomes a constraint.

Funds may take days to settle. Payout timing depends on external payment rails. Until money leaves the platform, balances often sit idle and generate no economic value.

Coinflow set out to rethink how balances settle and behave inside the product, allowing platforms to deliver faster payouts and better economics for stored balances.

The approach

To support this model, Coinflow introduced cfUSD, a branded stablecoin designed to act as the settlement layer for platform balances.

Rather than building issuance infrastructure from scratch, Coinflow integrated Brale's regulated stablecoin issuance and reserve management systems directly into its payments platform.

This deep integration allows Coinflow to mint cfUSD instantly when users deposit funds through its card rails. When a user adds funds through Coinflow, the deposit can be minted immediately as cfUSD and represented as a usable balance inside the platform.

That balance becomes the system's internal unit of account. Purchases, transfers, rewards, and payouts can all operate against the same programmable balance layer.

This model became the foundation for Instant Treasury.

The challenge

Turning platform balances into a stablecoin-based settlement layer requires more than issuing a token.

The infrastructure must support real payment workflows while operating within the regulatory expectations that come with moving money at scale.

Balances must integrate with card processing, maintain full reserve backing, support reporting and compliance requirements, and connect to payout rails that allow users to withdraw funds when needed.

Delivering all of this inside a single payment system requires tightly integrated infrastructure across payments, treasury management, and stablecoin issuance.

How Brale helped

Brale provides the regulated stablecoin infrastructure that powers the programmable balance layer behind Coinflow's Instant Treasury system.

By embedding Brale's issuance and reserve management infrastructure directly into its platform, Coinflow can operate a branded stablecoin without building its own issuance stack.

Regulated issuance infrastructure

Launching a stablecoin-backed balance layer requires more than issuing a token. The system must support compliant issuance, reserve management, and operational reporting while integrating cleanly into production payment infrastructure.

Coinflow needed a partner capable of providing regulated stablecoin infrastructure that could operate behind its payment rails without introducing additional complexity for the platforms using it.

Solution

Brale's regulated issuance infrastructure powers cfUSD, managing the systems responsible for minting the stablecoin and maintaining the reserves backing it.

Outcome

Coinflow can operate a branded stablecoin balance layer while relying on Brale's regulated infrastructure for issuance and reserve management.

Instant settlement for platform balances

Traditional card settlement cycles can delay access to funds for products that rely on stored balances. For platforms where balances power purchases, rewards, and transfers, this delay creates friction across the product experience.

Solution

By combining Coinflow's card processing infrastructure with Brale's stablecoin issuance stack, card-funded deposits can be minted instantly as cfUSD.

Outcome

Balances settle in seconds rather than days compared to traditional payment settlement timelines.

A programmable balance layer

When balances rely on traditional settlement infrastructure, internal transfers and product flows often need to wait for funds to fully clear before they can move again.

For platforms built around stored balances, this limits how money can move inside the product.

Solution

Representing balances as cfUSD allows Coinflow platforms to operate against a stablecoin-based unit of account. Transfers, purchases, rewards, and payouts can reference the same balance layer without waiting for settlement cycles.

Outcome

Platforms gain a flexible system where transfers, purchases, rewards, and payouts operate instantly against the same balance infrastructure.

Treasury revenue on idle balances

Balances often remain inside platforms before they are spent or withdrawn. In traditional systems, those balances typically generate no economic value.

Solution

Through Brale's reserve infrastructure, balances represented in cfUSD can participate in reserve-backed treasury strategies while they remain inside the system.

Outcome

Platforms can generate treasury revenue from balances held in stablecoin reserves.

“Merchants come to Coinflow because they're tired of waiting days for payouts and losing control of their money flows to legacy processors. By teaming up with Brale, we can give them instant settlement in a money they actually control - their own stablecoin - and a way to share in the revenue that those balances generate.”

Daniel Lev

CEO, Coinflow

Features used

Stablecoin issuance
Reserve management
Onramp / offramp
Multi-chain gateway
MPC signing
Token management