TerraPay Expands Global Payout Capabilities for Creators and Gig Economy Workers

TerraPay, a global money movement and payment infrastructure company, is deepening its support for the creator economy and gig workforce by offering scalable, real-time payout solutions that enable platforms and businesses to pay workers and creators around the world quickly, efficiently and compliantly. TerraPay’s payout technology — available via APIs and its Engage partner portal — is marketed for use cases spanning royalty distributions to content creators, gig worker earnings and cross-border payroll for distributed workforces.

The company’s Global Workforce Payouts product is designed to power mass disbursements to individual recipients — whether they are full-time employees, independent contractors, gig workers or content creators — across 90+ markets in more than 70 currencies. It enables platforms to deliver instant and near-instant payments directly into recipients’ bank accounts or preferred digital wallets while ensuring compliance with local regulatory requirements.

Real-Time, Borderless Payments for the Digital Economy

TerraPay’s payout infrastructure is built to address longstanding challenges in global payments for creators and gig workers, including slow settlement times, high costs and geographic coverage gaps. The solution enables:

• Real-time or near-instant payouts to local bank accounts and mobile wallets in major regions worldwide.
• Multi-currency support with transparent foreign exchange management.
• Built-in compliance and screening (KYC/AML) to meet local regulatory requirements automatically.

• Batch and automated payout processing via API or the intuitive TerraPay Engage platform.

This flexibility enables companies operating in the creator economy — including media distribution platforms, royalty management services, digital agencies and online marketplaces — to streamline their payout workflows and reduce friction for participants.

Creator Economy in Action: Case Studies

One documented example involves Silent Roar Media (SRM), a global music distribution and talent management company. Prior to integrating with TerraPay, SRM faced high transaction costs, payout delays and large minimum payment thresholds, which reduced net income for artists and creators. By leveraging TerraPay’s network:

• SRM reduced transaction costs by a significant percentage, lowering barriers to frequent, smaller payments.
• Payments that once took days were delivered in near-real time.
• Minimum disbursement thresholds dropped dramatically — enabling payouts from as little as $50 compared with much higher legacy thresholds.

The scalability of TerraPay’s infrastructure also allowed SRM to distribute royalties and payroll across multiple continents, including South Asia, North America and Europe, without the need for separate local banking solutions.

Why This Matters for Platforms and Workers

For Platforms

Platforms that manage a large number of independent creators or gig workers — such as marketplaces, influencer networks, distributed workforce platforms and freelancing apps — often struggle with inefficient payout rails. Traditional methods involving wire transfers, PayPal or remittance services can be slow and expensive, especially across multiple regions.

TerraPay enables platforms to:

• Automate payouts at scale
• Ensure compliant cross-border delivery
• Improve recipient satisfaction through faster settlement
• Reduce operational complexity by integrating a single global payout API instead of multiple country-specific systems

For Creators and Gig Workers

Creators and gig workers benefit from:

• Faster access to income, reducing the liquidity constraints that often accompany delayed payments.
• Greater payout flexibility, with options to receive funds in local currency directly to wallets or bank accounts.
• Lower fees and thresholds, allowing smaller, more frequent payouts that align with the behaviour of digital content economies.

Industry Context and Trends

The expansion of on-demand payout solutions aligns with broader trends in digital work and the creator economy. According to industry research, creators increasingly prefer platforms that offer fast, transparent and low-friction payment experiences, with many digital platforms exploring blockchain, stablecoin or real-time settlement rails to meet those expectations.

TerraPay’s positioning as an infrastructure provider supporting a global network of wallets and bank accounts makes it well-suited to these evolving demands, particularly for companies looking to scale internationally without creating localized legal entities or financial setups in every market they serve.

Looking Ahead

As the global marketplace for creator earnings and gig economy work continues to grow, solutions that simplify payouts — offering speed, transparency and compliance — will become increasingly important. TerraPay’s payout infrastructure — with its focus on real-time delivery, multi-currency support and built-in regulatory controls — is expected to play a significant role in how platforms distribute earnings to global participants in the digital economy.

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