The Solution
A payment infrastructure built for the way money should move.¶
What is the Stablecoin Stack?¶
The Stablecoin Stack is a complete, production-ready payment infrastructure built on open standards. It enables payment companies to offer instant, final, low-cost stablecoin payments to merchants and consumers — with the same familiar experience as any modern digital banking app.
It is not a cryptocurrency exchange. It is not a wallet product. It is not a speculative instrument.
It is payment infrastructure — the plumbing that allows money to move from one party to another, reliably, at low cost, with immediate settlement.
What makes it different¶
⚡
Instant, final settlement¶
Payments settle on the network in seconds. Not minutes. Not hours. Not the next business day. The merchant receives their funds in the same session as the payment.
🔐
Payer-authorised, not intermediary-authorised¶
Every payment is secured by a cryptographic signature produced by the payer's own device. Nothing moves without it. No intermediary can reverse a payment, alter the amount, or change the recipient.
🚫
No chargebacks by design¶
Authorisation is irreversible by construction. The chargeback mechanism — and the fraud industry that exploits it — simply does not exist in this model.
🌍
Borderless by default¶
A payment from any country settles the same way as a domestic transfer. No correspondent banks. No cross-border surcharges. No multi-day wires.
💵
Stable currency, programmable rails¶
Stablecoins — digital tokens pegged to real currencies — combine the price stability needed for commerce with the programmability that makes modern payment infrastructure possible.
🏗️
Complete infrastructure, ready to deploy¶
Checkout engine. Payment gateway. Settlement contract. Merchant dashboard. Wallet interface. Everything is specified, built, and published under an open licence.
The user experience stays familiar¶
The Stablecoin Stack is designed around a single principle: technical complexity must never be a barrier to participation.
From the payer's perspective, the experience is identical to any mobile payment: open a wallet app, review the payment, confirm. No network selection. No gas fees to think about. No new concepts to learn.
From the merchant's perspective: create an account, integrate the checkout API, start receiving payments. Funds arrive directly to their wallet. Settlement reports and webhooks work exactly as they would with any other payment gateway.
From the processor's perspective: a complete, production-ready technical stack — deployed under their brand, generating revenue from day one.
How it compares¶
| Feature | Traditional card rails | Bank transfer (SEPA/SWIFT) | Stablecoin Stack |
|---|---|---|---|
| Settlement time | 1–3 business days | Minutes to 3 days | Seconds |
| Chargebacks | Yes — merchant bears cost | No | No |
| Cross-border fees | 1–3% additional | High / correspondent fees | Minimal |
| Processor holds funds | Yes (float) | Sometimes | No (non-custodial option) |
| Reversals possible | Yes | Conditional | No |
| Works globally | Partial | Partial | Yes |
| Open infrastructure | No | No | Yes |
| Regulatory complexity | High | Medium | Configurable |
Built on digital stable currencies¶
The Stablecoin Stack uses stablecoins — digital tokens whose value is pegged to a stable reference asset, typically a major fiat currency such as the US dollar or the euro.
This means:
- Merchants price in the currency they know.
- Payers see familiar amounts.
- Processors can offer fiat-equivalent settlements.
The infrastructure supports any ERC-2612 compliant stablecoin. Today, that includes widely adopted instruments like USDC, EURC, and other regulated, fiat-backed digital currencies.
Not speculative
Stablecoins are not investment products. They are a digital representation of a familiar currency, held and transferred in the same way you would hold and transfer any other digital asset. One USDC is designed to be worth one US dollar.
The three guarantees¶
The Stablecoin Stack's settlement layer enforces three guarantees at the code level — not by policy, not by contract, but by the mathematics of the system:
Guarantee 1 — Payer sovereignty
The payer's funds cannot be moved without their cryptographic signature. No operator, no processor, no payment gateway can authorise a transfer on the payer's behalf. The signature is the payment.
Guarantee 2 — Non-custodial administration
Processors can adjust fees and configuration. They cannot touch participant funds. The settlement contract enforces this boundary in code — it is not a policy that can be changed by an internal decision.
Guarantee 3 — Atomic settlement
Every operation either completes entirely or reverts entirely. There is no partial execution, no stuck state, no "payment in progress" that never resolves.
Who built this?¶
The Stablecoin Stack is specified and maintained by the Fabric Payment Standards Foundation — an open organisation whose mission is to publish payment infrastructure standards that work for everyone.
The full specification (SS-001) covers every component, data structure, cryptographic convention, and conformance requirement. A working reference implementation is available. Everything is open-source and free to deploy.