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Settlement Layer

Settlement is where value finally lands. Stableyard supports both stablecoin settlement (direct to vault) and fiat settlement (via PSP partners to bank accounts).

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Settlement Options

OptionDescriptionBest For
StablecoinUSDC/USDT to vaultCrypto-native merchants
FiatLocal currency to bankTraditional merchants
MixedSplit between stable and fiatFlexible treasury

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How Settlement Works

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Settlement Flow

1

Payment Received

User pays via QR, link, or API
2

Routing Complete

Funds bridged/swapped to settlement chain
3

Settlement Choice

System checks merchant’s settlement preference
4

Delivery

Stables to vault OR fiat via PSP to bank
5

Confirmation

Webhook notification to merchant

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Quote and Settle API

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Create Quote

Before settlement, create a quote to lock in rates: 
POST /sdk/v1/quote
{
  "userId": "user_abc123",
  "partnerId": "merchant_partner",
  "amount": "100.00",
  "destinationPaymentAddress": "merchant@stableyard",
  "destinationChainID": 8453,
  "destinationToken": "USDC"
}
Response: 
{
  "success": true,
  "data": {
    "quoteData": {
      "inputAmount": "100.00",
      "outputAmount": "99.50",
      "outputAmountRaw": "99500000",
      "payload": { ... }
    }
  }
}

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Execute Settlement

Settle the payment using the quote payload: 
POST /sdk/v1/settle
{
  "payload": { ... },
  "signature": "0x...",
  "domain": { ... },
  "types": { ... }
}

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PSP Integration

For fiat settlement, Stableyard integrates with PSP partners:
FeatureDescription
Off-RampConvert stables to local currency
Bank DeliveryWire to merchant’s bank account
ComplianceKYC/AML handled by PSP
ReportingSettlement reports and reconciliation

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Supported Regions

RegionCurrencyPSP Status
VietnamVNDActive
ThailandTHBActive
SingaporeSGDComing Soon
IndonesiaIDRComing Soon

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Settlement Timing

Settlement TypeTiming
StablecoinInstant (after routing)
Fiat (Same Day)1-4 hours
Fiat (Standard)1-2 business days

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Merchant Preferences

Merchants configure their settlement preferences: 
{
  "settlementPreference": {
    "type": "mixed",
    "stablecoinPercent": 50,
    "fiatPercent": 50,
    "fiatCurrency": "VND",
    "bankAccount": "..."
  }
}

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Use Cases

Crypto-Native

100% stablecoin settlement for DeFi treasuries

Traditional Merchant

100% fiat settlement for rent, payroll, suppliers

Hybrid

Keep some in stables for yield, settle rest to fiat

Cross-Border

Receive stables, settle to local currency anywhere
Next: Learn about Policy Engine — programmable rules for automation.