stableyard

over the past 3 months, i’ve spoken to a lot of fintech founders building remittance and payout companies. and have found these 5 problems in current fintech 1. you get more customers, but now you need more of your own cash sitting with payout partners just to handle their payments. 2. run low on funds with a partner after friday’s bank cut-off, and you could be waiting until monday to top up. 3. you send the money, a bank takes its fee along the way, and now you’re explaining why the recipient got less. 4. a customer asks where their money is. you know it left your account, but you’re still waiting on a partner to confirm it arrived. 5. every partner sends a different report. your team ends up in spreadsheets trying to work out which payment matches which entry. i feel like stablecoins are particularly useful here. settlement funds can move 24/7. partners can be funded closer to when payouts happen. fewer intermediary hops can reduce deductions, and an on-chain settlement record gives teams something consistent to reconcile against. you still need good FX, compliance and reliable local payouts to make the whole thing work. the more i look at this, the more i think stablecoins reach the masses through the financial apps people already use. someone sends money home or receives their salary. underneath, their provider uses stablecoins to settle the payment. they benefit without ever needing to think about the infrastructure.

🚨 Pay with stablecoins. No Visa. No Mastercard. We built a true stablecoin account that works on the POS terminals merchants already have. Tap a card at a POS running our SDK and the payment settles in seconds. It goes stablecoin to stablecoin, without touching a card network. What changes for the merchant: → better economics, with less card-network fees in the middle → same-day settlement → global coverage → they get paid in stablecoins or supported local fiat, whichever they choose What changes for the customer: they pay straight from their stablecoin balance, and the tap feels exactly the same. Underneath, @stableyardfi handles the whole flow, from account to acceptance to settlement. For fintechs, wallets and banks, this is infra to offer stablecoin accounts people can actually spend. I have shown in the demo how it works If you're building in stablecoin fintech, DMs are open

biggest fintech insights i found at token2049: > a lot of stablecoin fintechs are building the same thing with more or less the same partners. if one shared provider goes down, everyone relying on it feels it > doubts about stablecoin adoption feel like yesterday’s conversation. stablecoins are becoming boring, which might be the clearest sign they’re going mainstream > everyone was selling to everyone. more integrations are opening up, but who handles the local payout still matters > showed @stableyardfi merchant acceptance demo to @DinersClub and @BVNKFinance and got a really good response > met a few partners we’re onboarding this coming week for business accounts and other business offerings > relevant inbound for @stableyardfi and @dopepayme, with potential integrations and partnerships to work through > met folks from @Ripple , @circle and @NiumGlobal at their offices, and the @JamieZammitt from bvnk team. also caught up with friends @0xAishwary from @0xPolygon , @_ryandesouza from @arbitrum and @AhaanRaizada from @base . great catching up with old friends and meeting new faces. came back with stronger opinions on which payment products people will keep using, and how much will change as the industry matures, regulations develop and banks get more involved. glad i made the trip.

we’re have 3 product categories at @stableyardfi 1. Accounts & Money Movement > Global Business Accounts > Virtual Accounts > Universal Payment Account > White-label Accounts > Stablecoin On/Off-Ramps > Local Payouts > Cross-chain Transfers 2. Payments & Settlement > Online & In-app Payments > Merchant acceptance > Tap-to-Pay & POS > Fiat & Stablecoin Settlement > Currency Conversion > Vaults & Spending Policies > Bank, PSP & Acquirer Network 3. Developer Tools APIs & SDKs Multichain Deposit Widget White-label Integrations KYC/KYB & Webhooks from day one, our vision has been to connect accounts, payments and settlement so founders can build global financial products without building the infrastructure from scratch.

stablecoins could take over finance without replacing the companies running it. > are we watching fintech’s early days repeat? > who wins when everyone can use the same rails? > does cheaper settlement mean cheaper payments?

Looking to connect with people from: @FireblocksHQ, @DinersClub , @blackbird and a few other teams working across wallets, cards and merchant payments. Ideally looking to connect with someone on product partnerships. We’re working on a few new distribution and payment opportunities at @stableyardfi and would love to explore where the right technology or product partners can fit in.

if you're in Delhi on 22nd aug come say hi to me at Road to Devcon: Delhi! will be sharing my insights on CBDCs vs. DeFi. See you on the 22nd!

90% of stablecoin payment companies will die soon cuz they think payments = moving money from A to B and giving tx hash. it's def not otherwise, your nearby cafe would be taking crypto payments real-world payments are about who > creates wallet >approves what size payout >rotates keys >updates policy > exception handling traditional finance has all of this. not because banks love bureaucracy, cuz you can't run real money without it. EY found the top adoption blockers are accounting and operational complexity. not fees. not speed. meanwhile the whole industry keeps shipping endpoints. more cards. more wallets. tempo is one of the few who get it we've also observed the same thing while talking to merchants that'why we are trying to build these things @stableyardfi. controls, identity, exceptions across every chain your money touches. if you're interested in this boring yet crucial part of payments, stay tuned. exciting things are coming soon.

Been working in payments for the last 1.5 years, and honestly, I've been seeing the same pattern Claudia talks about here. A lot of crypto builders forget that some of the biggest crypto users live in regions where cards never really became the default and these are also some of the biggest remittance corridors in the world (Asia, Africa, Latin America) People are already receiving global money in USDT or USD accounts, but they're not spending it directly. They have to convert it into local fiat because their payment system have evolved differently. >Because a lot of merchants don't have card terminals everywhere. >Because most of the commerce runs on QR rails. Stablecoins have already proven the global money movement, but the last mile is still broken. Most merchants don't care whether the payment came from a card, bank account, or stablecoin. They care about one thing: "Did I receive my money instantly?" The real opportunity is to make stablecoins interoperable with whatever local payment system already exists, whether that's QR, cards, bank transfers, or something else. That's what we are building @stableyardfi