Circle Payments Network (CPN) is a global financial network that facilitates 24/7 real-time settlement of payments using stablecoins like USDC and EURC, targeting banks, payment service providers, virtual asset service providers, and enterprises. CPN distinguishes itself from traditional payment systems by leveraging blockchain technology to provide fast, programmable, and secure transactions, eliminating the need for pre-funding and enabling cross-border B2B and treasury use cases. The network involves Originating Financial Institutions (OFIs) that convert local currency to stablecoins, and Beneficiary Financial Institutions (BFIs) that convert stablecoins back to local currency for payout, with a supporting ecosystem of service providers enhancing compliance and operational efficiency. CPN aims to streamline global expansion for partners via a one-to-many API integration, offering features like smart routing, privacy-focused compliance, and customizable risk management. Participants must meet operational and technical readiness requirements to join, ensuring adherence to regulatory standards and network protocols, while Circle Technology Services, LLC, operates the network infrastructure, facilitating connectivity without directly managing funds.