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Lazy Ants · Web3 · Payments

Stablecoin Payment IntegrationTake and send stablecoins, inside the business you already run.

For iGaming, forex and prop trading, marketplaces and exporters: the businesses card processors turn away, and the ones that pay out as much as they take in. USDT and USDC acceptance, payouts and settlement, written to your own records. 0.5% per payment, nothing monthly. The integration is priced on a free call and fixed.
Payment #10482120.00 USDT
Tron · TRC-20
  1. Customer paysFrom their own wallet, to a one-time address
    0:00
  2. Seen on chainAmount, network and address screened
    0:04
  3. ConfirmedEnough blocks; cannot be reversed
    0:41
  4. Order marked paidWebhook to your system; your rules apply
    0:42
  5. In your ledgerOne row: amount, fee, net, reference
    0:42
Fee 0.5% · 0.60 USDTNet 119.40 USDT

Illustration · times vary by network

The rails have run for five years, with real merchants and real money.

Every payment on this page settles through a crypto payment gateway built and operated by our team, in production with real merchants and real users since before stablecoin payments were a product category. The numbers below are what that record looks like.

5+ years
Live payments under on-chain finality
0
Failed payments
50+ merchants
4M+ transactions processed
CPAY.

Crypto payment and wallet infrastructure, built and operated by our team

PaymentsPayoutsWalletsKYC / AML
Live system · real merchants, real users
Case study

CPAY: crypto payments and wallets, five years in production

  • Merchants integrate checkout and charge flows through the API; payments, refunds and internal transfers run in one system
  • Payment flows were designed so that no completed payment needs a manual correction
  • No emergency intervention in a completed payment has been needed since launch
Read the case study
Running in production today
  • Acceptance: hosted checkout and API
  • Payouts and mass payouts
  • Recurring billing and subscriptions
  • Payroll and contractor payments
Running in production today
  • Acceptance: hosted checkout and API
  • Payouts and mass payouts
  • Recurring billing and subscriptions
  • Payroll and contractor payments

Four places in your business can change. Nothing else does.

Stablecoins come in and go out through the same doors every payment method uses, plus one more: a balance your users can hold. We connect the ones you need and leave the rest of your system alone.

Order #10482€110.00
CardBankUSDT
Pay exactly120.00 USDTTron · TRC-20 · expires in 14:59
Take

Acceptance

A hosted payment page, or the API inside your own checkout. For the verticals card processors decline, this is the way in: the customer pays from their own wallet, you see an order that turns paid.

Invoice INV-2291Due 14 Oct
Consulting, September2,400.00 USDC
StatusPaid · 12 Oct
Payout · 38 affiliatesApprove
31 of 38 sent · 9,120.00 USDT
Send

Payouts and settlements

Pay affiliates, sellers, traders and contractors from one balance, singly or in bulk, with an approval step on your side and a report finance can file. Invoice counterparties and get paid against it.

webhook · payment.confirmed{ "id": "pay_10482",
  "amount": "120.00", "asset": "USDT",
  "fee": "0.60", "net": "119.40",
  "reference": "ORDER-10482" }
RefAssetNetStatus
ORDER-10482USDT119.40Settled
Record

Reconciliation and treasury

Every confirmed payment is written to your ERP or ledger as one row: amount, fee, net and your reference. Incoming addresses are screened. Balances across networks can be converted into one treasury asset by rule.

anna.kVerified · member since 2024
Balance1,240.00 USDTInside your platform · withdraw any time
DepositSend to userWithdraw
MovementAssetAmountStatus
→ marko.dUSDT−50.00Instant
Withdraw · TronUSDT−200.00Sent
Hold and move

User balances

A stablecoin balance for every user of your platform, behind the login they already have. Deposits from outside, transfers between users inside, withdrawals out.

In short
  • USDT and USDC, in and out
  • Hosted checkout or your own, through the API
  • One row per payment in the ERP you already trust
  • A balance per user, if your platform needs one
  • 0.5% per payment; nothing monthly
In short
  • USDT and USDC, in and out
  • Hosted checkout or your own, through the API
  • One row per payment in the ERP you already trust
  • A balance per user, if your platform needs one
  • 0.5% per payment; nothing monthly
The morning after

What finance sees the next morning. Money in, money out, swaps.

Payments, deposits, withdrawals, payouts and swaps all land in the same ledger. Most rows are routine. The integration is judged by the ones that are not.

Money in

Paid in full, short, late, or on the wrong network.

Most payments and deposits arrive exactly as expected while the office is closed. The other three cases are where support tickets come from, unless they are handled by rule.

What the integration does

  • Matches amount and network, waits for your confirmations, marks the order paid or credits the balance
  • Short: records what arrived and applies your rule, a tolerance, a top-up request or a refund
  • Late: keeps the funds linked to the original order and flags fulfil or refund
  • Wrong network: leaves the balance unchanged and opens a recovery case with the facts filled in

You decide Confirmations per network, the tolerance for short payments, which networks you accept at all

A demo, one call, one integration, then it runs

The first payment lands in staging before anything goes live. Both teams see what the integration really is before it is accepted.

  1. Demo and technical call

    Free. You see the gateway working; we look at where money enters and leaves your business, which records we write to and who holds the balance. You leave with a one-page integration map and a fixed price.

  2. Integration

    Acceptance, payouts, webhooks, ledger, the cases above. The first payment is accepted in staging against criteria both sides signed; then it goes live.

  3. Live

    0.5% per payment, nothing monthly. We run the rails, the monitoring and the people who answer when something looks wrong.

What it costs

Stablecoin Payment Integration

0.5%Per payment · nothing monthly
After the callIntegration · fixed
Demo firstA working gateway and a free technical call before anything is signed; the first payment accepted in staging.

What moves the price

  • Hosted checkout, or the API in your own
  • Acceptance only, or payouts and settlements too
  • Which of your systems we write to
  • Whether your users need balances of their own

Above roughly $500k a month, the White Label Gateway is cheaper. We will say so.

What it costs

Stablecoin Payment Integration

0.5%Per payment · nothing monthly
After the callIntegration · fixed
Demo firstA working gateway and a free technical call before anything is signed; the first payment accepted in staging.

What moves the price

  • Hosted checkout, or the API in your own
  • Acceptance only, or payouts and settlements too
  • Which of your systems we write to
  • Whether your users need balances of their own

Above roughly $500k a month, the White Label Gateway is cheaper. We will say so.

Scope

Who holds the balance, and where our part ends

Scope is measured in networks, rails and custody. Use the hosted checkout page or put the API inside your own; either way, the money question is decided first.

Custody

Custodial

Payments settle into an account we operate for you; you withdraw when you want. Simplest to run, and usually a licence question for you.

Custody

Non-custodial

Payments settle to wallets whose keys you hold. Nobody else can move the money, and recovery is a design you get right before launch.

Both are offered. We settle the choice on the call, because moving between them later is a project of its own.

Where our part ends

We do not issue stablecoins or hold a licence on your behalf.Licensed issuers and your own legal setup do that. We say on the call where the line is in your market.
We prepare systems for audit. We are not an audit firm.A third-party security audit is a separate engagement, never included in the integration price.
We do not replace your bank.Converting stablecoins to fiat goes through your own exchange or banking partner; we connect the withdrawal to it.
Networks are a decision, not a default.Every extra network is another way to pay on the wrong one.
Hosted checkout
  • Nothing to host
  • Our page, your logo
  • Fastest route in
API
  • Inside your checkout
  • Your design, your flow
  • Webhooks to your system

Stablecoin payment questions, answered

What finance and product teams ask before taking stablecoins. If yours is not here, ask on the call.

Stripe already takes USDC. Why would I need this?
If Stripe takes you, you may not. This page is for the businesses it turns away, such as iGaming, forex and prop trading, high-risk and cross-border merchants, and for anyone who pays out as much as they take in. A card processor accepts a stablecoin; it does not pay your affiliates and contractors in one on the first of the month, settle with counterparties or reconcile all of it into your ERP.
What is stablecoin payment integration?
Adding USDT and USDC as a way to take and send money in a business that already runs: a platform, a marketplace, an operator, an exporter. The customer pays from their own wallet; your system records the payment the way it records any other. We connect acceptance, payouts, the webhooks and your ledger, on a gateway built and operated by our team and in production for over five years.
Which stablecoins and networks are supported?
USDT and USDC, on the networks your customers actually use. Which networks you switch on is a decision: every extra network is another way to pay on the wrong one. We go through the list, with the fees per network, on the call.
Do I end up with stablecoins or with money in the bank?
With stablecoins, in an account we operate for you or in wallets you hold, converted across networks into one treasury asset if you want. Converting to fiat happens through your own exchange or banking partner. We are not a bank and do not issue stablecoins ourselves.
Can my users hold a stablecoin balance on my platform?
Yes. Each user gets a USDT or USDC balance behind the login they already have: deposits from outside, transfers between users inside your platform, withdrawals out. Your accounts and your KYC stay the record; we run the wallets and the rails. If you need more than stablecoins, such as several assets, a card, swap or staking, that is a wallet build: see Crypto Wallet Development.
Who holds the money?
Your choice. Custodial: payments settle into an account we operate, you withdraw when you want, and it is usually a licence question for you. Non-custodial: payments settle to wallets whose keys you hold, so nobody else can move the money. We settle this on the call.
What happens with a short, late or wrong-network payment?
Each case has a rule, agreed before launch and written into the acceptance criteria: a tolerance for short payments, a decision path for late ones, a recovery case for the wrong network. The funds stay linked to the order they were meant for. The block above shows the defaults we propose.
How do refunds work?
A refund is a payout from your balance to an address the customer gives you, approved by someone on your side and recorded against the original order. There is no chargeback mechanism on-chain, which is why the approval step is yours.
What does the 0.5% cover, and what else do I pay?
The 0.5% is the gateway fee on each payment: the rails, screening, confirmations, webhooks and the people who run them. There is no monthly fee. Network fees on withdrawals are what the chain charges. The integration work itself is a one-time fixed price, agreed after the call.
When is this the wrong choice?
When your volume is large. Above roughly $500,000 a month in payments, a White Label Gateway at 0.1% plus a monthly fee costs you less than 0.5%. We will tell you when you get there; the integration you build here carries over.
How long does it take?
It depends on hosted checkout or your own, and on how many systems we write to, so we do not quote a number before we have looked. What we do promise: the first payment lands in staging and is accepted before anything goes live, and the dates come with the fixed price after the call.

Tell us where the money comes in and goes out

Your business, the payment methods you have today and the system that records them. If stablecoins are the wrong shape for it, we will say so on the first call.

Stablecoin Payment Integration Services