System Overview
Stableyard’s architecture is designed as a programmable middleware layer that connects applications to blockchain networks through unified payment primitives.| Layer | Components |
|---|---|
| Applications | Wallets, dApps, Merchants, PSPs, Enterprises |
| SDK / API | REST API, TypeScript SDK, Webhooks |
| Stableyard Core | Money Account, Routing, Settlement, Policy Engine |
| Execution | Intent Engine (x402+), Solver Network, PSP Integration |
| Networks | Ethereum, Base, Arbitrum, Polygon, Movement, Solana |
Payment Flow
Core Components
Money Account
Universal identity and balance layer for all participants
Identity Layer
Human-readable handles with privacy-preserving resolution
Vault System
Safe-based programmable vaults for secure fund management
Routing Engine
Cross-chain deposit detection and intent execution
Settlement Layer
Stablecoin and fiat settlement via PSP partners
Policy Engine
Programmable rules for spend limits and automation
Intent Engine (x402+)
The x402+ execution layer powers all payment flows:| Flow Type | Description |
|---|---|
| Scan-and-Pay | QR code payments at merchants |
| Payment Links | Shareable payment requests |
| Off-ramp Settlement | Stablecoin to fiat conversion |
| Merchant Payouts | Automatic settlement to merchants |
| Developer Payouts | API-triggered disbursements |
| P2P Transfers | Wallet to wallet payments |
| Agent Banking | Programmable B2B flows |
Intent Structure
Every intent contains:| Field | Purpose |
|---|---|
| Payer | Source Money Account or address |
| Receiver | Destination Money Account or address |
| Asset | Token being transferred |
| Chain | Source and destination networks |
| Settlement Path | How funds should be delivered |
| Metadata | Order ID, memo, custom fields |
Settlement & Routing Layer
The Stableyard network handles:- Intent Routing — Cross-chain path finding
- Liquidity Execution — Solver-based fulfillment
- PSP Settlement — Fiat delivery via partners
- Asset Normalization — User pays USDC, merchant receives fiat
- Rebalancing — Automated liquidity management
Security Architecture
| Layer | Security Features |
|---|---|
| Vault Layer | Safe-based multisig, non-custodial design |
| Policy Layer | On-chain spend limits, role-based access |
| Execution Layer | Verified settlement, replay protection |
| Compliance Layer | KYC/AML hooks, audit trails |
Integration Patterns
For Merchants
- Create Money Account via API
- Generate payment links or QR codes
- Receive webhook on payment completion
- Funds settle to preferred currency
For PSPs
- White-label Money Account infrastructure
- Map existing merchant IDs to accounts
- Integrate settlement callbacks
- Enable stablecoin acceptance without hardware changes
For Developers
- Register users with Money Account API
- Deploy vaults programmatically
- Create payment intents via API
- Handle webhooks for status updates
Next: Learn about Identity — human-readable payment handles.