> ## Documentation Index
> Fetch the complete documentation index at: https://cobo.com/payments/llms.txt
> Use this file to discover all available pages before exploring further.

# Cobo payments solution overview

<Note>**Disclaimer: This article contains AI translations and should only be used as reference.** Contact Cobo's support team through [help@cobo.com](mailto:help@cobo.com) if you have any questions.</Note>

The Cobo payments solution is a comprehensive cryptocurrency payment infrastructure that covers core functions such as payment collection, fund management, compliance screening, and merchant management, providing enterprise customers with a secure, compliant, and efficient one-stop payment service. This solution is widely applicable to the following business scenarios:

* SaaS service providers
* Direct-to-consumer (DTC) websites
* Global payroll distribution
* Payment service providers (PSPs)
* Other business scenarios requiring cryptocurrency payments

## Business workflow

The overall business workflow of the Cobo payments solution is as follows:
<Info>For a complete list of features and detailed descriptions provided by the Cobo payments solution, refer to [Feature list](/payments/en/guides/features).</Info>

<img src="https://mintcdn.com/mcpnow/R5cDPFm7UfvC7IjT/payments/en/images/payments/overview.png?fit=max&auto=format&n=R5cDPFm7UfvC7IjT&q=85&s=3df242873b8856977f1f16eb7e6b3274" className="diagram" alt="Overall business workflow of the Cobo payments solution" width="1828" height="760" data-path="payments/en/images/payments/overview.png" />

1. **Payment collection stage**: Collect cryptocurrency from payers. You can choose different [pay-in modes](/payments/en/guides/features#pay-ins) based on your business needs.
2. **Fund management stage**: Cobo performs compliance screening on received funds to ensure transaction security and compliance. At the same time, Cobo automatically consolidates funds dispersed across different addresses, making it easier for you to centrally manage funds and perform subsequent operations, such as cryptocurrency exchanges, cross-chain transfers, and purchasing financial products.
3. **Payout stage**: You can convert cryptocurrency to fiat currency and transfer it to your bank account, or directly transfer cryptocurrency to external wallet addresses.

## Get started

You can refer to the [Integration guide](/payments/en/guides/quick-start) to understand the integration steps for various business scenarios.