Courtyard.io and Coinflow at a glance

Client: Courtyard.io — peer-to-peer marketplace for graded physical card collectibles

Industry: Marketplaces & tokenized collectibles

Goal: Increase seller participation, liquidity, and inventory supply

Coinflow’s Impact: Instant seller withdrawals, global payout coverage, fraud & chargeback indemnification

Result: Achieved +1,350% growth in active sellers, doubled average withdrawal size and tripled monthly seller withdrawals.

About Courtyard.io

Courtyard.io is a first-of-its-kind marketplace and tokenization platform enabling collectors to seamlessly buy, sell, and trade graded physical cards.

As demand across Pokémon, sports cards, and collectibles surged, Courtyard.io identified a critical truth: marketplace growth was constrained by seller liquidity, not buyer demand.

To unlock supply-side growth, Courtyard.io partnered with Coinflow in Q2 2024 to modernize its global payment infrastructure with buyer payments and seller withdrawals.

The challenge

Marketplaces scale only as fast as sellers can reinvest

Unlike traditional retailers, marketplaces can’t manufacture inventory on demand. Growth depends on sellers’ ability to list, sell, and restock inventory quickly.

From a payments standpoint, Courtyard.io evaluated two levers:

• Lower withdrawal fees
• Faster settlement to sellers

Fees across providers were largely commoditized. Speed was the only meaningful differentiator.

“If sellers can’t access their funds quickly, they can’t restock—and the marketplace stalls.”  — Nicolas le Jeune, Founder & CEO at Courtyard.io

Many sellers—especially smaller operators—lacked access to credit lines. Waiting days for payouts limited their ability to stay active and competitive.

Discovering Coinflow

Courtyard.io turned to Coinflow to fundamentally improve payment reconciliation and to transform how sellers accessed liquidity.

Coinflow’s stablecoin-powered infrastructure enabled true instant settlement—allowing sellers to move funds off-platform at the moment of sale, without introducing fraud or chargeback risk.

Why Coinflow was the right fit

Coinflow delivered a complete marketplace payments stack:

• Instant Settlement: Real-time seller withdrawals
• Global Payout Coverage: ACH, IBAN, RTP, push-to-card
• Fraud & Chargeback Indemnification: Growth without added risk

Unified Integration: From buyer checkout to seller payout

Deployment & use

Sellers overwhelmingly chose instant settlement

After Courtyard.io deployed Coinflow’s payments technology stack in quarter 2 of 2024, Courtyard.io’s global seller network had three withdrawal payment speed options: standard (settled in 2-3 business days), same-day, and instant. 

What followed—visualized by the graph below—demonstrates sellers’ strong appetite and desire for instant withdrawal settlement.

Between quarter 2 and quarter 4 of 2024, the percentage of sellers selecting standard withdrawal settlement dropped from 33 percent to 10.7 percent. Conversely, the percentage of sellers electing for instant withdrawal settlement jumped from 60 percent to 84.1 percent.

Our product research indicates that both psychological and operational factors contribute to marketplace sellers’ strong preference for instant withdrawal settlement. First, it promotes trust and safety with the platform, as sale proceeds are immediately fungible and not ‘locked’ to a closed-loop ecosystem. Second, small retail sellers may not have credit lines to replenish inventories. With funds from sales accessible off-platform right away, sellers can quickly put their revenue to work however and wherever they see fit.

The results

Seller growth surged

Instant settlement directly translated into more active sellers and more inventory.

• +463% active sellers from Q2 → Q3 2024
• +157% active sellers from Q3 → Q4 2024

Seller behavior intensified

Beyond seller count, engagement deepened:

• 2x increase in average withdrawal size
• 3x increase in monthly withdrawals per seller

As instant settlement usage increased, so did seller confidence, restocking speed, and sales velocity.

Marketplace impact: a compounding flywheel

Instant liquidity unlocked a powerful growth loop:

• Faster seller restocking
• Deeper inventory selection
• Higher buyer conversion
• Greater transaction volume

All without increased risk. Courtyard.io reduced its chargeback rate from 1.42% → .28% from Q2 to Q3 2024.

“Instant settlement didn’t just improve payouts—it unlocked a new phase of marketplace growth.” — Joe Petrich, Head of Engineering at Courtyard.io

The Coinflow advantage

Coinflow doesn’t simply move money—we remove friction to enable growth. Where others add layers of cost, complexity, or compliance burden, we streamline with clarity, trust, and speed. We integrate deeply and scale smoothly, giving businesses the confidence and support to expand globally without compromise.

• Speed: Real-time settlement at the moment of sale
• Security: Built-in fraud and chargeback indemnification
• Scale: Confident growth without operational drag
• Unified Infrastructure: One integration powering every payment flow

What’s next for Courtyard.io

With seller liquidity unlocked, Courtyard.io is positioned to:

• Expand inventory depth
• Support higher buyer demand
• Scale into new collectible categories

Powered by Coinflow, Courtyard.io can grow its marketplace without sacrificing speed, safety, or seller experience.

Global payments are a growth engine

Coinflow enables e-commerce innovators, fintechs, gaming companies, marketplaces, and  remittance platforms to grow faster with:

• Instant settlement and stablecoin payments
• Fraud and chargeback indemnification
• Global pay-ins and unified payouts
• Multi-currency and FX infrastructure

Experience faster growth and higher conversion with modern payment rails.

👉 Talk to the Coinflow Team to learn how you can scale with instant settlement and fraud-free payments. Book a demo today →