The Problem
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
For Merchants
- Current solutions require new hardware
- No stable-to-fiat settlement path
- Breaks existing QR/POS workflows
- Not supported by traditional PSPs
- Cannot auto-identify/verify payments
For Developers
- Must integrate each chain separately
- Handle gas, bridging, conversion manually
- No standard payment primitives
- Settlement logic is custom per integration
For Enterprises
- No compliant infrastructure for stablecoin acceptance
- Risk of fragmented vendor relationships
- Lack of reconciliation and reporting tools
- No clear path from crypto rails to fiat settlement
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.
Stableyard’s Position
| Layer | Role |
|---|---|
| Applications | Wallets, Apps, Merchants, PSPs, Developers |
| Stableyard | Programmable Payment Layer (Routing, Conversion, Settlement, Flows) |
| Blockchains | Ethereum, Base, Arbitrum, Polygon, Movement, Solana |
What You Get
| Capability | Description |
|---|---|
| One Balance | Unified view across chains and apps |
| Routing | Any chain in, target chain out |
| Conversion | Any token in, target token out |
| Programmable Flows | Subscriptions, limits, automation |
| Settlement | Stables or fiat via PSP partners |
| Cross-Chain | Abstracted bridging and execution |
Three Layers
1. Money Account
The universal account primitive:- Chain-agnostic identity
- Safe-based vault
- Policy controls
- Gasless execution
2. Routing & Settlement
The execution engine:- Deposit detection across chains
- Swap/bridge automation
- Target chain delivery
- PSP settlement (fiat rails)
3. Payment Flows
The application layer:- Checkout & payment links
- QR/NFC acceptance
- Subscriptions & recurring
- Agent payments (x402+)
Why Enterprises Choose Stableyard
Single Integration
One API for all chains, tokens, and settlement options
Compliance Ready
KYC/AML hooks, audit trails, and reporting built-in
No New Hardware
Works with existing POS, QR stands, and PSP infrastructure
Settlement Flexibility
Receive in stablecoins, fiat, or a mix
Next: Learn about Money Account — the core primitive that powers everything.