jStack

Stablecoin Payments

Connect stablecoins to real-world payment flows.

Build stablecoin-powered payment experiences for merchants, businesses and financial platforms with wallet, payment, policy, settlement and reconciliation infrastructure.

Talk to an Expert Explore Stablecoin Payments ↓

Payer

  • Customer / Business
  • Stablecoin Transfer
  • jStack
  • Payment
  • Routing
  • Policy
  • Merchant / Business

Outcome

  • Settlement

Core Proposition

Move digital value through familiar payment experiences.

  1. 01Pay
  2. 02Receive
  3. 03Transfer
  4. 04Settle
  5. 05Reconcile
  6. 06Convert where supported

Conversion between stablecoins and local currency is performed through integrated partners where supported, based on market configuration.

Payment Experiences

The payment flows teams build on this infrastructure.

01

Stablecoin Checkout

Present a payment request and confirm on-chain receipt against the order.

02

Merchant Payments

Accept digital value and settle to the configured merchant destination.

03

B2B Payments

Business-to-business transfers with references and reconciliation data.

04

Cross-Border Payments

Move value between markets through supported corridors.

05

Invoices

Issue payable requests with amount, currency and expiry.

06

Wallet-to-Wallet Transfers

Direct transfers between wallets on the platform.

07

Merchant Settlement

Batch or per-transaction settlement based on configuration.

08

Treasury Transfers

Internal movement between operating and treasury balances.

09

Payouts

Disburse to recipients through supported payout destinations.

Payment Flow

From payment request to reconciled settlement.

Each step is observable, referenced and reconcilable across the payment lifecycle.

Initiation

  • Customer / Business
  • Checkout / Payment Request
  • Wallet
  • Stablecoin Transfer
  • jStack Transaction Layer
  • Merchant Account / Wallet

Outcome

  • Settlement & Reconciliation

Merchant Experience

A payment record merchants can act on.

Merchant Payment Requestdemo data

2,450.00

settled
Amount
2,450.00
Currency
USD (reference)
Stablecoin
Supported stablecoin
Network
Supported network
Payer
Northwind Trading Ltd
Confirmation
Confirmed
Settlement status
Settled to merchant wallet
Transaction reference
pay_8fd21c
Settlement & Reconciliationdemo data
  • Referencepay_8fd21c
    MerchantNorthwind Trading
    Amount2,450.00
    ModelWallet settlement
    Statussettled
  • Referencepay_8fd224
    MerchantAtlas Marketplace
    Amount18,900.00
    ModelTreasury settlement
    Statuspending
  • Referencepay_8fd231
    MerchantMeridian Supply
    Amount640.00
    ModelPartner-enabled fiat
    Statusin flight
  • Referencepay_8fd240
    MerchantKite Digital
    Amount7,120.00
    ModelStablecoin settlement
    Statussettled

Settlement Options

Configure how value reaches the beneficiary.

Available models depend on market configuration and integrated partners.

01

Stablecoin Settlement

Settle in the same digital asset the payment arrived in.

02

Wallet Settlement

Credit a platform wallet balance for onward use.

03

Partner-enabled Fiat Settlement

Settle to local currency through integrated partners where supported.

04

Treasury Settlement

Route value into a treasury balance for centralised management.

05

Cross-Border Settlement

Settle across markets through supported corridors.

Core Capabilities

The infrastructure behind stablecoin payment products.

01

Wallet Infrastructure

Hold, transfer and reference digital value balances.

02

Payment APIs

Create, track and settle payments programmatically.

03

Payment Requests

Issue payable requests with amount, reference and expiry.

04

Stablecoin Transfers

Move value across supported networks.

05

Transaction Monitoring

Track lifecycle state and confirmations.

06

Policy Controls

Apply limits, approvals and routing rules.

07

Wallet Screening Integration Ready

Connect external screening providers where required.

08

Settlement

Configurable settlement models per merchant or program.

09

Reconciliation

Match transactions, settlements and internal records.

10

Webhooks

Event delivery into your systems.

11

Reporting

Operational and financial reporting views.

Architecture

Where stablecoin payments sit in the stack.

Caller

  • Merchant / Application
  • jStack Stablecoin Payment APIs
  • Wallet
  • Payment
  • Policy
  • Routing
  • Supported Stablecoin / Blockchain Rail
  • Settlement Layer

Destination

  • Merchant
  • Treasury
  • Integrated Partner

Use Cases

Where stablecoin payment flows apply.

  • Merchant Payments
  • Cross-Border Commerce
  • B2B Settlement
  • International Suppliers
  • Digital Marketplaces
  • Fintech Apps
  • Remittance
  • Treasury
  • Agentic Payments

Relevant jStack Products

The jStack products behind this solution.

Stablecoin payment programs combine Stablecoin infrastructure with wallet, collection and payout modules.

Business Benefits

What this unlocks for the business.

  • Faster Value Movement

    Reduce dependency on slow correspondent chains where supported.

  • One Transaction Layer

    Digital and traditional payment flows in a single record set.

  • Configurable Settlement

    Choose per merchant, program or market.

  • Operational Clarity

    References and reconciliation across every payment.

  • Policy Controls

    Limits, approvals and routing rules applied consistently.

  • Partner-Neutral

    Integrate the providers your markets require.

Related Use Cases

Programs built on stablecoin payments.

Related Industries

Where these flows are deployed.

Related Solutions

Make stablecoin payments part of your financial infrastructure.

Talk to our team about wallet, payment, settlement and reconciliation infrastructure for your markets.

Build with jStack