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Settlement

Stableyard handles the final mile — getting funds where they need to go.

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Settlement Options

OptionDescription
StablecoinSettle to USDC, USDT, or other stables on your preferred chain
FiatSettle to local currency via PSP partners

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Stablecoin Settlement

The default path:
  1. Payment received (any token, any chain)
  2. Routing converts to target stablecoin
  3. Bridges to target chain if needed
  4. Settles in your vault
Customer pays: 100 DAI on Polygon
You want: USDC on Base
    ↓
Routing: DAI → USDC, Polygon → Base
    ↓
Settled: 100 USDC in your vault on Base

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Fiat Settlement

For merchants and businesses needing local currency:
  1. Payment received in stablecoins
  2. Stableyard routes to PSP partner
  3. PSP converts to local fiat
  4. Fiat deposited to your bank account
Customer pays: 100 USDC
You want: USD in bank
    ↓
Stableyard → PSP Partner
    ↓
Settled: $100 in your bank account

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PSP Integration

Stableyard integrates with payment service providers to enable:
  • Stable-to-fiat conversion
  • Local bank deposits
  • Compliance handling
  • Reconciliation
This bridges the gap between crypto payments and traditional banking.

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Settlement Configuration

Configure per-payment or account-wide: 
{
  "settlement": {
    "type": "stablecoin",
    "chain": "base",
    "token": "USDC"
  }
}
Or for fiat: 
{
  "settlement": {
    "type": "fiat",
    "currency": "USD",
    "bankAccount": "acct_..."
  }
}

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Why This Matters

Without settlement to fiat, merchants can’t use stablecoin payments:
  • They need local currency for rent, payroll, suppliers
  • Crypto-only settlement limits adoption
  • The payment loop stays broken
Stableyard closes the loop by connecting stables to real-world rails.