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Overview

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The Problem

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For Users

  • Hold stablecoins but cannot use them like money
  • No QR or tap-to-pay support
  • Fragmented UX across chains
  • Wallets act as storage, not payment instruments

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For Merchants

  • Current solutions require new hardware
  • No stable-to-fiat settlement path
  • Breaks existing QR/POS workflows
  • Not supported by PSPs
  • Cannot auto-identify/verify payments

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For Developers

  • Must integrate each chain separately
  • Handle gas, bridging, conversion manually
  • No standard payment primitives
  • Settlement logic is custom per integration

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The Insight

Stablecoins fail in payments not from lack of demand, but from a fragmented payment stack.
The loop is broken: users → merchants → PSPs → developers are all disconnected. A single programmable layer fixes this.

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Stableyard’s Position

┌─────────────────────────────────────────────────────────────┐
│                      Applications                           │
│     (Wallets, Apps, Merchants, PSPs, Developers)            │
└─────────────────────────────────────────────────────────────┘
                              │
                              ▼
┌─────────────────────────────────────────────────────────────┐
│                       STABLEYARD                            │
│     Programmable Payment Layer for Stablecoins              │
│  ┌─────────────────────────────────────────────────────┐   │
│  │  Routing · Conversion · Settlement · Programmable   │   │
│  │  Flows · PSP Integration · Cross-Chain Execution    │   │
│  └─────────────────────────────────────────────────────┘   │
└─────────────────────────────────────────────────────────────┘
                              │
                              ▼
┌─────────────────────────────────────────────────────────────┐
│                    Blockchain Networks                      │
│        Ethereum · Base · Arbitrum · Polygon · ...           │
└─────────────────────────────────────────────────────────────┘
Above chains. Below apps.

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What You Get

CapabilityDescription
One BalanceUnified view across chains and apps
RoutingAny chain in, target chain out
ConversionAny token in, target token out
Programmable FlowsSubscriptions, limits, automation
SettlementStables or fiat via PSP partners
Cross-ChainAbstracted bridging and execution

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Three Layers

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1. Money Account

The universal account primitive:
  • Chain-agnostic identity
  • Safe-based vault
  • Policy controls
  • Gasless execution

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2. Routing & Settlement

The execution engine:
  • Deposit detection
  • Swap/bridge automation
  • Target chain delivery
  • PSP settlement (fiat rails)

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3. Payment Flows

The application layer:
  • Checkout & payment links
  • QR/NFC acceptance
  • Subscriptions
  • Agent payments (x402+)
Next: Learn about Money Account — the core primitive.