Stableyard
Programmable Payment Network — Live Infrastructure
Stableyard is the outcome of everything above converging into a programmable stablecoin payment network.
The Core Belief
Stablecoins should be spendable anywhere existing payment rails work, without users needing to learn networks, gas, or bridging.
Live Infrastructure
Stableyard isn't a concept deck. It's live infrastructure with working demos:
Widget SDK: Embed Payments Anywhere
Drop-in checkout that abstracts cross-chain complexity
The Stableyard Widget lets anyone accept deposits from any chain, any token—settled directly to a user's address or Money Account. Users pay with whatever asset they hold; we handle the cross-chain routing underneath.
Universal Integration
Works in any App, webapp, or website
Standalone Mode
Full-page widget with customization
Inline Mode
Embed directly in your checkout flow
Any Asset In
Users pay with whatever they hold
Cross-chain Abstraction
User holds ETH on Arbitrum but merchant wants USDC on Base? Widget handles it. User pays, we route cross-chain, merchant receives—no network switching, no bridging UX, no gas headaches.
DopeCards: Physical Gateway
Programmable NFC cards for frictionless onboarding
DopeCards are programmable NFC cards that serve as the physical gateway into Stableyard. Tap-to-activate flows that create or link a Money Account, preload balances, and make first use effortless.
Static DopeCards
Used for events, conferences, and promotions. Movement's KBW onboarding was powered by our cards.
Dynamic DopeCards - EVM Signing Cards
Real EVM card running a signer wallet bound to a Money Account. Creates digital ECDSA signatures, tapped on any NFC phone, payments processed without Visa/Mastercard rails. Funds deducted from non-custodial vault.
DopePay: Consumer Application
Cash App-like experience, stablecoin-native
DopePay works even if the merchant is not onboarded to Stableyard. Users pay anywhere existing payment rails work. Currently live with restricted access, targeting Southeast Asian markets.
Local QR Payments
Pay VietQR, ThaiQR with stablecoins
P2P Transfers
Send via Money Account handles
Payment Links
Privacy-preserving payment URLs
Tap to Pay
NFC-based P2P transfers
Local QR Payment Demo
User scans existing VietQR/ThaiQR, pays with stablecoins. No network selection, no wallet switching. Merchant sees no change.
Watch DemosGateway POS: Merchant Acceptance Made Simple
Webapp + PWA + iOS App for in-person payments
Gateway POS enables any merchant to start accepting stablecoin payments instantly. Enter your Money Account identity, generate a QR code, and you're ready. No hardware required, no complex setup—just print the QR and paste it in your shop.
Web + PWA
Works in browser, installable as app
iOS App
fi.stableyard.merchant (In Review)
Instant Setup
Enter Money Account, start accepting
Print & Paste
Static QR for any storefront
Novel Architecture: Bypass Card Network Rails
Technical POC complete and working
Architecture that completely bypasses Visa/Mastercard rails using existing cards as signers. User binds card to Money Account → Card tapped on DopePay POS → Transaction bypasses Visa rails → Money Account facilitates payment → Settlement governed by policy engine.
Mobile POS: Phone as Terminal
Any NFC phone becomes a payment terminal
Not a browser-based workaround. We integrate at the POS application layer, allowing stablecoin payments to be treated as a native payment method.
Tap-to-Pay Demos
Merchants tap to accept, customers tap to pay. Working with Apple Pay, Visa Physical, and Amex Physical cards.
Core Network: Money Account
The primitive that powers everything
Every participant operates through a Money Account: universal handle/identifier (e.g., user@dope), abstraction over cross-chain stablecoin balances, mapping to multiple chain addresses, programmable flow destination (refunds, escrow, splits).
Non-Custodial Vault Architecture
User funds held in non-custodial vaults powered by Safe multisig with Zodiac modules. Every user creates own 1/1 multisig, authorizes Zodiac module for policy-controlled fund management. Idle balances earn yield through Aave integration.
SweepFactory - Gasless Deposits
Every Money Account gets unique, fixed deposit address. SweepFactory creates sweep contracts, auto-sweeps to Money Account, user selects settlement chain. Privacy preserved—deposits not linked to payouts.
View on GitHubx402+ Agentic Settlement Protocol
Cross-chain API payments for AI agents
Cross-chain API payments via signed intents. No gas per payment. Enables all Money Accounts to be agentic for AI agents—agent-to-agent settlement, PSP-to-PSP coordination, liquidity management, programmable multi-party flows.
x402: User signs tx → Facilitator relays → Service on same chainx402plus: User signs intent → Facilitator debits pre-funded → ANY chain
Production API & Backend
Full API suite for Money Account management, P2P/merchant/platform payments, individual/batch payouts, and universal deposit addresses.
What Sets Stableyard Apart
User-First, Merchant-Optional
Users pay anywhere without waiting for merchant adoption
Full Payment Lifecycle
Refunds, reconciliation, reporting—not just "payment successful"
Zero Wallet Complexity
No token/network selection, no gas at checkout
Bypass Card Rails
Novel architecture using cards as signers, not payment rails
It's not a pivot away from what I built earlier.
It's what those systems were pointing to—now live and working.