21 lines
608 B
Markdown
21 lines
608 B
Markdown
---
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title: "Payment Rail"
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type: concept
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tags: [finance, payments, operations]
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sources: [accounts-payable-agent]
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last_updated: 2026-04-20
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---
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## Definition
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Payment Rail 是支付从发送方到接收方所经过的结算通道或网络，例如 ACH、Wire、Crypto、Stablecoin 或支付 API。
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## Core Principles
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- 不同 rail 适合不同金额、时效与成本要求
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- rail 选择应基于收款方类型、地区、费用和结算速度
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- rail 故障时应优先尝试替代通道
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- 付款系统应支持可追踪的 rail 级别记录
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## Related Entities
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- [[Accounts Payable Agent]]
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- [[The Agency]]
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