Accept Payments Instantly.
Keep Every Cent.
The Stablecoin Stack is the open infrastructure that lets payment processors, fintechs, and merchants accept digital currency payments with zero chargebacks, instant settlement, and no card-network fees — deployed under your brand, free to use.
Free & open source · Apache 2.0 · Fabric Payment Standards Foundation
Who is it for?
Built for the whole ecosystem.
Launch a payment processor without building the infrastructure.
The Stablecoin Stack is a complete, production-ready technical stack — settlement contract, checkout engine, payment gateway, merchant dashboard, browser wallet extension, mobile app. Deploy it under your brand and start earning from day one. No card-network royalties. No float held by intermediaries. Multiple revenue models available.
- Instant, final settlement — seconds, not business days
- No chargebacks by architectural design
- Non-custodial option — significantly lower regulatory burden
- Built-in acquirer model — on-chain partner commission distribution
- Full stack on Docker Compose — run locally in minutes
- Apache 2.0 — free to deploy, forever
Receive money directly. Instantly. Without chargebacks.
When a customer pays through the Stablecoin Stack, funds move directly from their wallet to yours — settled in seconds, not business days. There is no intermediary holding your revenue overnight. No chargeback mechanism to exploit. No geographic restrictions on who can pay you.
- Same-session settlement — funds arrive while the customer is still on your page
- No chargebacks — payment authorisation is cryptographic and irreversible
- Accept payments from any country, without correspondent bank overhead
- Standard checkout API — integrates like any payment gateway
- Settlement reports and webhooks — reconciliation built in
Pay in seconds. No new concepts to learn.
From the payer's perspective, the Stablecoin Stack is invisible. Open a wallet app — on your phone or in your browser — scan the QR code or tap the link, review the payment details, and confirm. Your funds move instantly. No network fees to manage. No specialist knowledge required.
- Browser extension wallet — approve payments in one click without leaving the page
- Mobile wallet on iOS and Android — scan and pay in seconds
- Only you can authorise your payments — cryptographic, not credential-based
- No network fees — the processor covers transaction costs
Why it's different
Structural advantages that traditional rails cannot offer.
Instant, Final Settlement
Payments settle in seconds. The merchant receives their funds in the same session as the payment — not the next business day. No float. No clearing cycle.
No Chargebacks. Ever.
Payment authorisation is a cryptographic signature specific to the exact transaction. No intermediary can reverse it. The chargeback mechanism — and the fraud industry that exploits it — simply does not exist here.
Borderless by Default
A payment from any country settles the same way as a domestic transfer. No correspondent banks. No cross-border surcharges. No multi-day wires.
Non-Custodial Option
In non-custodial mode, funds move directly from payer to merchant. The processor is a relay, not a custodian — a fundamentally different regulatory profile from any traditional acquiring bank.
Fully Open Standard
Every specification, every data structure, every conformance requirement is published under Apache 2.0. No licence fees. No lock-in. Governed publicly through the RFC portal.
Multiple Revenue Models
Transaction fees, subscriptions, fiat conversion, acquirer commissions, float yield — nine processor models and six acquirer models, all enabled by the architecture.
It's live right now
See it work. No signup required.
Every component of the Stablecoin Stack is running in a public demonstration environment. Complete a real end-to-end payment in under a minute.
Live Checkout Demo
Browse a demo store and pay with the browser extension or the mobile app.
Live Settlement Feed
Watch every payment settle on the network in real time.
Event Explorer
REST API + WebSocket for settlement events. SDK available.
Run It Locally
Full stack on Docker Compose. Two commands and you're live.
Simple by design
A payment in five steps.
Merchant creates a charge
One API call. The checkout engine returns a QR code and session token.
Payer opens their wallet
Scan or tap. Payment details load automatically. No copy-pasting.
Payer confirms
Two signatures, produced on the device. Nothing moves without both.
Settlement contract executes
Atomic. Verifiable. Irreversible. Fees distributed in the same transaction.
Merchant receives confirmation
Webhook fired. Funds in wallet. Typically under 10 seconds total.
Fabric Payment Standards Foundation
Governed openly. Deployed freely.
The Stablecoin Stack is maintained by the Fabric Payment Standards Foundation — an independent non-commercial organisation dedicated to open payment standards. The specification is governed through a public RFC portal, not proprietary channels. Everything is Apache 2.0.
Join us
An open project, built with the community.
The Stablecoin Stack improves through implementation experience, security review, and community feedback. Contribute to the specification, the codebase, or the conversation.
Community Forum
Discuss the specification, share implementations, get help. Self-hosted, ad-free.
GitHub
Star the repo, open issues, contribute code to the reference implementation.
RFC Portal
Propose changes to the specification. All governance happens here, in public.
Become a Sponsor
Support the Foundation's work. Sponsors are listed publicly and help keep everything free.
The infrastructure is ready.
What will you build?
Payment processors, merchants, and developers are already using the Stablecoin Stack. Start with the live demo or dive into the documentation.