Gaian Network

Gaian Network is a stablecoin payment rail and neobank infrastructure layer purpose-built for Southeast Asia. Founded in February 2025, it acts as an orchestration layer connecting global stablecoin liquidity — primarily USDC and USDT — to local banking infrastructure across APAC, enabling instant, low-cost transactions for on/off-ramps, payouts, and cross-border transfers in a region where traditional card networks have limited reach. Settlement happens on Solana as the primary chain, with support for Base and more than ten additional EVM networks.

The problem Gaian addresses is structural. Only around 27 percent of Southeast Asia's 670 million people hold traditional bank accounts, and credit card penetration sits below 10 percent in many countries. At the same time, QR-code-based payment systems — VietQR in Vietnam, PromptPay in Thailand, GCash in the Philippines — have achieved mass adoption. Real-time payment networks across the five major ASEAN economies reached an estimated USD 2.4 trillion in value by 2025. Moving stablecoins across borders and settling them into local currencies requires infrastructure that neither legacy correspondent banking nor domestic instant-payment networks supply. Gaian is designed to fill that gap.

The payment flow is quote-first. The API parses the recipient's QR code, auto-detecting country and payment rail, generates a single-use quote locked for 120 seconds, and returns a deposit address plus a pre-encoded transaction for the client to sign and broadcast. Once the on-chain transaction is verified, the order advances to processing and local-currency payout is dispatched. On-chain settlement completes in under two seconds on average. Both a standard on-chain flow and a prefund flow where the tenant pre-deposits balance are available. The v2 API, launched in June 2026, consolidates User and Payment endpoints into a single gateway with HMAC-signed requests.

Gaian's product suite covers several use cases. One balance spans USDC, USDT, and select regional stablecoins, with on-demand conversion and settlement into 12 local currencies. Merchants accept stablecoin payments via scannable QR codes; the developer sandbox confirms live support for VietQR (Vietnam) and PromptPay (Thailand). Users can send to a phone number, on-chain wallet, or bank account — demonstrated paths include GCash (PHP, Philippines), direct bank transfer (IDR, Indonesia), and USDC on Base. Gaian also issues virtual cards that spend stablecoins at any merchant terminal with instant settlement. For non-crypto users, passkey-based authentication enables wallet creation without seed phrases or browser extensions.

Developers access the platform through an open-source JavaScript/TypeScript SDK, official Go and Node.js client libraries, published OpenAPI specs, and a drop-in QR option. White-label and self-serve onboarding are included. Most integrations ship in under a day; full API integrations typically take one to two weeks.

Identity verification is handled through Didit, supporting both a hosted KYC link flow and a direct document-submission API that accepts ID images and biometric liveness reports as base64 data URIs. KYC status is tracked separately from per-market payment eligibility. The Gaian website lists SOC 2 as in review, with multi-region failover deployed.

For treasury automation, Gaian partnered with Fystack, which deploys MPC wallets whose signature shares are distributed across distinct geographic nodes. Automated sweep rules replaced manual hourly balance checks, reducing finance operations time by 60 percent and enabling scale to thousands of payments per day. Ecosystem backing includes Circle (USDC), Tether Asia (USDT), Phantom, Stellar, SuperteamVN, Perena, and Fystack, with Circle and Tether Asia each publishing endorsements on the Gaian website.

Gaian positions Solana as its primary settlement chain, drawing on Solana's sub-second finality and low per-transaction fees to meet its sub-2-second settlement target. The connection to SuperteamVN reflects a focus on Vietnam as an early-growth corridor. USDT on Solana is live on Gaian, extending the network's role into real-economy corridors — cross-border remittances, merchant settlement, and B2B payouts — where Southeast Asia presents the clearest near-term stablecoin use case globally.