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Tender’s disbursement feature lets you send funds to many recipients in a single action. Each recipient receives an invitation to claim their payment directly into their Tender loyalty wallet. Disbursement flow demo

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How it works

1

Prepare your recipient list

Collect each recipient’s contact (email or phone), a unique ID, the amount, and their date of birth for verification.
2

Submit the disbursement

Go to Wallet → Actions → Disburse in your merchant dashboard, fill in the details, and upload a CSV or enter recipients manually.
3

Tender transfers funds on-chain

Tender debits your Stellar platform balance and transfers the total to the Stellar Disbursement Platform distribution account on-chain.
4

Recipients claim their funds

Each recipient receives an invitation via email or SMS. They click the link, verify their identity, and funds are credited to their Tender loyalty wallet.

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Prerequisites

KYC approved

Your merchant account must be fully KYC verified before you can disburse.

Stellar balance

You must hold the asset you want to disburse (USDC or XLM) in your Tender platform wallet. The full total is debited at submission time.

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Supported assets

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CSV format

Upload a .csv file with the following columns:
The verification date of birth must match exactly what the recipient enters when they claim their funds. A mismatch will block the payment.

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Rules

  • Each id must be unique within the disbursement
  • Minimum amount: 0.0000001 (Stellar precision)
  • Maximum recipients per disbursement: 10,000
  • Disbursement name must be globally unique — plan a naming convention such as payroll-2026-06

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Disbursement statuses

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Disbursement-level

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Per-recipient payment status

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Troubleshooting

Your Stellar platform balance is below the disbursement total. Top up via your wallet page and retry.
A disbursement with that exact name was already submitted. Use a different, unique name.
The date of birth in your CSV doesn’t match what the recipient entered at registration. Confirm the correct date and resubmit with an updated record.
Check whether they completed registration — they need to click the link in their email or SMS invitation. Unregistered recipients stay in READY state until they do.
Your platform wallet has no Stellar USDC. Either switch to XLM or deposit USDC to your Tender Stellar wallet first.

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FAQ

Funds are credited to the recipient’s Tender loyalty wallet. Recipients without an account will be guided through a short setup flow when they click their invitation link.
Disbursements can be paused before all payments are processed. Already-sent payments cannot be reversed — Stellar transactions are final.
Up to 10,000 recipients per disbursement. For larger campaigns, split across multiple disbursements.
The payment stays in READY state indefinitely until the recipient completes their registration and identity verification via the invitation link.