Send USDC across borders faster and for less

Send USDC to other businesses and let smart contracts handle more complex payments. For example, use PayCoin to pay your vendors across borders and enjoy faster settlement times and lower cross-border payment fees.

You'll be able to view your transaction history and contracts which are stored on the Stellar network's ledger and transact with automated date and time constraints. Be part of the SME stablecoin payments ecosystem.

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Under the Hood

PayCoin operates on the Stellar blockchain network. Stellar is a fast open-source blockchain network built specifically to enhance the world's financial system. Stellar supports Circle, which powers USD Coin (USDC). USDC is always redeemable 1:1 for U.S. dollars. USDC reserves are held in the management and custody of leading U.S. financial institutions and Circle is regulated as a licensed money transmitter under U.S. state law.

Security

The mission to power the world's cross-border stablecoin payments is achievable by pursuing regulatory compliance.

You'll have access to 2FA (Two-Factor Authentication) and multisig. PayCoin is a custodial wallet that uses industry standard security best practices such as HTTPS and periodically rotated per-user KEKs which are encrypted from cloud-hosted Key Management Services' Customer Managed Keys.

Fees

PayCoin charges a service fee of 1% for each initiated payment on the app. This fee helps PayCoin provide a safe, fast and intuitive stablecoin payments experience!

Smart Contracts

Smart contracts are self-executing programs stored on the blockchain that enables two or more parties to exchange money, property, shares, or anything of value in a transparent, conflict-free way while avoiding the need for a third party. PayCoin will use Soroban, a smart contracts platform built with Stellar's speed and interoperability in mind.

PayCoin's invite-only beta has officialy launched and in review by Apple for the iOS app store.

Developer SDK coming Fall 2025

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