Easy

Easy (itseasy.co) is a self-custodial payment infrastructure platform for businesses, built by Easy Labs, Inc. It positions itself as a Stripe alternative that routes funds directly to merchant-owned accounts rather than pooling them through an intermediary, supports stablecoin payments alongside traditional rails, and returns float interest back to merchants as cashback rewards.

Core Mechanism

The central distinction of Easy's model is non-custodial fund routing. When a customer pays through an Easy-powered checkout, funds settle directly into the merchant's own account rather than being held in a platform-controlled float. Easy describes itself as "a technology services provider offering programmable, non-custodial software and infrastructure solutions" and explicitly clarifies that it is not a bank, licensed money transmitter, broker, dealer, or custodian.

Payment processing is handled through Finix, a licensed payment infrastructure provider. Data security runs through Basis Theory. For digital asset wallet infrastructure, Easy partners with DFNS, an enterprise-grade wallets-as-a-service provider. Stablecoin services are provided through Brale, which operates regulated stablecoin infrastructure on Solana and other blockchains.

Solana is listed as a named partner on Easy's homepage alongside Helium, Near Protocol, Marinade, BitGo, and Chakra Labs — indicating the platform's orientation toward crypto-native businesses and Web3-adjacent merchants.

Payment Rails

Easy accepts a broad set of payment methods through a single integration:

• Credit and debit cards — standard card-present and card-not-present flows
• ACH transfers — US bank-to-bank transfers
• RTP (Real-Time Payments) — near-instant bank rails
• Wire transfers — for larger or international transactions
• Stablecoin payments — digital asset settlement, with stablecoin infrastructure powered by Brale

The platform claims a 98.9% transaction success rate and a 0.002% chargeback rate, though these figures are self-reported and not independently verified.

Pricing and Rewards

Easy charges a flat rate of 2.7% + $0.30 per transaction, with no additional fees for invoicing, subscription billing, analytics, or premium support. This all-inclusive structure is a deliberate contrast to layered pricing common among larger processors.

On top of fee savings, Easy offers a cashback mechanism: idle balances in merchant accounts earn 4.50% APY in cashback rewards. The platform frames this as returning to merchants the float income that traditional payment processors typically retain for themselves. The APY is variable, not guaranteed, and subject to change without notice.

Developer Integration

Easy is developer-first, with a full REST API built around predictable responses and a multi-language SDK library:

• React SDK and React Native SDK for frontend integrations
• Node.js SDK for server-side processing
• Ruby and Python libraries for backend flexibility
• A no-code checkout option for merchants without engineering resources

Documentation is hosted at docs.itseasy.co and covers payments (one-time payments, payment links, Apple Pay, Google Pay), billing (subscription plans, recurring billing, invoicing, dunning management), and treasury (bank transfer payouts, payout links, recipient management). A marketplace feature for multi-merchant use cases is noted as forthcoming.

Account onboarding is automated with KYC/AML verification and approval within approximately 90 seconds for most applicants.

Solana Ecosystem Fit

Easy's Solana connection operates at the infrastructure layer rather than at the on-chain application layer. The platform does not have on-chain programs listed in the Solana Compass program registry, and there is no native token. The Solana relationship manifests in two ways: Solana's listing as a named partner on the Easy homepage, and Easy's reliance on Brale — a Solana-native stablecoin issuer — for its stablecoin payment rails.

This positions Easy as a payment gateway serving Solana ecosystem companies and crypto-native merchants who need to accept both fiat rails (cards, ACH) and on-chain stablecoins through a single unified platform. Projects like Helium and Marinade, also listed as Easy partners, are prominent Solana ecosystem participants, further anchoring Easy's audience within the Solana community.

Team and Corporate Structure

Easy Labs, Inc. is incorporated in Delaware, with a registered address at 9 East Loockerman St, Suite 311, Dover, DE 19901. The founding date is recorded as January 2023. No named founders or executives are disclosed in publicly available materials. The company has raised backing from Devolution Capital and GD1 Crypto, both listed as partners on the website.

Security and Compliance

Easy relies on a partner-stack model for regulated activities rather than holding its own licenses. Payment processing compliance is handled by Finix; token and wallet security by DFNS; and stablecoin reserve management by Brale. Basis Theory handles sensitive payment data security. Automated KYC/AML runs at onboarding. Easy has not publicly disclosed independent security audits of its own platform code.

The terms of service make clear that Easy operates as a technology layer: regulated financial activities are passed through to its licensed partners, which is a common architectural approach for fintech-adjacent payment infrastructure providers.

Summary

Easy addresses a genuine friction point for crypto-native businesses: accepting payments across both traditional and stablecoin rails through a single, developer-friendly integration, while keeping merchants in control of their funds and earning yield on retained balances. Its Solana alignment comes through infrastructure partners (Brale, DFNS) and a client base that includes prominent Solana ecosystem projects. For merchants already operating in the Solana ecosystem, Easy offers a route to monetize fiat inflows and stablecoin settlements without sacrificing custody of funds.