For Payment Processors & Fintechs
Launch a next-generation payment processor. Keep more of what you earn.¶
The infrastructure is already built. You bring the business.¶
Running a payment processing business has historically required enormous capital, deep regulatory infrastructure, and proprietary technology stacks. Card network certifications, banking partnerships, settlement systems — the barrier to entry was high by design.
The Stablecoin Stack changes this equation fundamentally.
The full technical stack — settlement contract, checkout engine, payment gateway, merchant dashboard, wallet interface — is specified, built, and published under an open licence. A company with operational capacity and merchant relationships can deploy a production-ready payment processor without building any of that infrastructure from scratch.
This is the same model that allowed dozens of companies to build payment businesses on card-network rails without designing the card network. The difference is that the Stablecoin Stack is open-source and free.
What you get out of the box¶
⛓️
Settlement Contract¶
An auditable, on-chain contract that verifies payment authorisations and transfers funds atomically. Its behaviour is determined by its published code — not by your operational decisions.
🛒
Checkout Engine¶
The merchant-facing backend. Handles session creation, charge management, reconciliation, and webhook delivery. Merchants see a standard payment gateway API.
📡
Payment Gateway (Broadcast Layer)¶
Receives signed payment payloads from payer wallets, validates them, and submits them to the network. Handles gas costs on behalf of payers.
📱
Client Wallet Interface¶
The payer-facing experience. Open a wallet, see the payment request, confirm. Everything else is handled by the infrastructure.
📊
Merchant Dashboard¶
A self-service interface for merchants to manage their account, monitor transactions in real time, and review reconciliation reports.
🗂️
Basic Data Service¶
A public directory of supported tokens and registered acquirers, usable by wallets to present choices to payers.
Structural advantages you can build a business on¶
Instant settlement — a real merchant proposition¶
Most payment processors cannot offer same-session settlement because they are custodial intermediaries in the settlement flow. The Stablecoin Stack can.
Being able to tell a merchant: "Your money is in your account within seconds of a confirmed payment — not tomorrow" is a concrete, verifiable advantage. For cash-flow-sensitive merchants, this changes their business.
No chargeback liability¶
Traditional processors carry reserve requirements and operational overhead for chargeback management. Payment authorisation in the Stablecoin Stack is a cryptographic signature — mathematically impossible to forge, and structurally impossible to reverse by a third party.
This eliminates an entire category of operational cost and fraud exposure.
Non-custodial operation — a different regulatory profile¶
In the non-custodial configuration, the settlement contract transfers funds directly from payer to merchant. The processor is a relay, not a custodian. This structural difference is significant:
Non-custodial means
- You are not holding client funds in transit.
- You do not need custodial banking licences for the settlement flow.
- Your regulatory exposure is substantially lower than a traditional acquiring processor.
- You can go to market faster, and in more jurisdictions, than traditional competitors.
The custodial model — where the processor holds funds and converts to fiat — is also fully supported, for processors who want to offer that service and are willing to take on the corresponding regulatory obligations.
The built-in acquirer model¶
Every payment processed by the Stablecoin Stack has a slot for an Acquirer ID. Any registered third party who distributes your payment service earns a share of the processing fee — automatically, on-chain, without any trust relationship with you.
This means you can build distribution networks — partner banks, hardware vendors, marketplace platforms, regional agents — with commission structures that are enforced by the settlement contract, not by bilateral agreements you have to honour manually.
See the full business model catalogue →
Revenue models available to you¶
The Stablecoin Stack supports multiple revenue configurations. You choose the combination that fits your market and operational model.
Transaction Fee
Per-payment fee¶
Charge a flat or percentage fee on every transaction. Collected automatically by the settlement contract. No bilateral agreements with merchants required.
Revenue: on-chain fee, every transaction
Subscription
Monthly merchant subscription¶
Charge merchants a recurring fee in fiat for access to your payment service. Predictable revenue floor, independent of transaction volume.
Revenue: recurring fiat subscription
Custodial
Fiat conversion service¶
Hold stablecoin funds on behalf of merchants and convert to fiat, remitting to their bank accounts. Earn on conversion spread and float income.
Revenue: conversion spread, float yield
Distribution
Acquirer network¶
Register as an acquirer on your own stack. Build a distribution network where partners earn commissions on the merchants they bring. Commission enforcement is on-chain — no manual reconciliation.
Revenue: full fee stack on self-originated payments
White Label
White-label infrastructure¶
Licence your deployed stack to other companies who want to offer payment acceptance under their own brand. Banks, platforms, and fintech companies can launch a stablecoin payment product without building infrastructure.
Revenue: licence fee, revenue share
Emerging
Float-yield processor¶
Charge no transaction fees. Generate revenue entirely from deploying idle stablecoin balances in yield-bearing instruments. The zero-fee positioning is a powerful market differentiator.
Revenue: yield on stablecoin balances
Full business model catalogue →
For fintechs with an existing customer base¶
If you already have a merchant customer base — as a payment gateway, an accounting platform, an e-commerce solution, or a banking service — the Stablecoin Stack gives you one more way to monetise those relationships without building payment infrastructure from scratch.
Your merchants gain access to instant, international, chargeback-free settlement. You earn a processing fee on every transaction. The infrastructure work is already done.
What deployment looks like¶
- Deploy the settlement contract on your chosen Ethereum-compatible network. Publish its address to the basic data service.
- Deploy the Checkout Engine and Broadcast Layer. These handle all merchant and wallet interactions. Configure your fee parameters.
- Fund the Relayer account. The Relayer pays network transaction costs on behalf of payers. It recovers these costs through the processing fee.
- Onboard merchants. They integrate your checkout API the same way they would integrate any payment gateway. The underlying infrastructure is invisible to them.
- Accept payments. Wallet users scan a QR code or tap a deep link. Two signatures. One HTTPS request. Settled in seconds.
Technical foundation you can trust¶
The Stablecoin Stack is specified in a formal, public document (SS-001) that covers every component, data structure, cryptographic convention, and conformance requirement.
The settlement contract has no upgrade mechanism. Administrative functions are restricted to fee parameters. The administrator cannot move participant funds. This is enforced in code, not by policy — and it can be independently verified by any engineer or auditor.
For your risk and compliance teams
The settlement contract is deployed on a public network where its bytecode is verifiable by any party. Its behaviour cannot be changed by operational decisions, board resolutions, or commercial pressure. This is a stronger guarantee than any contractual commitment a traditional processor can offer.