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Routing Layer

The routing layer handles all cross-chain complexity—deposit detection, token conversion, bridging, and final delivery. Users and merchants see a simple balance; Stableyard handles everything else.

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How Routing Works

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Core Functions

FunctionDescription
Deposit DetectionMonitor addresses across all supported chains
Token ConversionSwap input token to target token
Cross-Chain BridgingMove assets between networks
Balance CreditUpdate user’s Money Account balance
Settlement DeliveryRoute to PSP for fiat conversion

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Deposit Addresses

Each user can generate chain-specific deposit addresses: 
POST /sdk/v1/generate
{
  "userId": "user_abc123",
  "chainId": 8453
}
Response: 
{
  "success": true,
  "data": {
    "depositAddress": "0x...",
    "chainId": 8453,
    "chainName": "Base"
  }
}

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Cross-Chain Deposits

For deposits from external sources, get a quote and deposit address: 
POST /sdk/v1/get-deposit-address
{
  "paymentAddress": "alice@stableyard",
  "rawAmount": "100000000",
  "sourceAddress": "0x...",
  "sourceChainId": 1,
  "sourceChainToken": "USDC"
}
Response: 
{
  "success": true,
  "data": {
    "depositAddress": "0x...",
    "quote": {
      "inputAmount": "100.00",
      "outputAmount": "99.50",
      "fee": "0.50"
    },
    "quoteId": "quote_xyz789"
  }
}

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Verify Transfers

Check if a deposit has been processed: 
POST /sdk/v1/verify-transfer
{
  "chainId": 8453,
  "depositAddress": "0x..."
}

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Routing Paths

The routing engine optimizes for:
PriorityFactor
1Cost — Minimize fees and slippage
2Speed — Fastest execution path
3Reliability — Proven bridge/DEX routes

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Supported Paths

FromToMethod
Any EVM → BaseUSDCBridge + Swap
USDC → USDTSame chainDEX Swap
Stablecoin → FiatSettlementPSP Off-ramp

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Asset Normalization

Users don’t need to think about tokens or chains:
User SendsMerchant ReceivesStableyard Handles
ETH on EthereumUSDC on BaseSwap + Bridge
USDC on ArbitrumFiat (USD)Bridge + PSP Off-ramp
USDT on PolygonUSDC on BaseSwap + Bridge

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Settlement Options

After routing, funds can settle as:
OptionDescription
StablecoinDirect USDC/USDT to vault
FiatOff-ramp via PSP partner to bank
MixedSplit between stables and fiat
Next: Learn about Settlement — stablecoin and fiat delivery options.