Stableyard

Stableyard is a full-stack stablecoin commerce layer built for businesses that want to accept stablecoin payments without rebuilding their payment infrastructure. Founded in mid-2025 by co-founders Avinash and Mitesh, the platform addresses a persistent friction point in the stablecoin economy: stablecoins move trillions of dollars on-chain, but spending them in the real world remains fragmented across incompatible wallets, chains, and settlement rails. Stableyard resolves this with a single integration that handles acceptance, routing, settlement, and reconciliation end to end.

How It Works

Merchants integrate Stableyard once into their existing checkout, point-of-sale system, or in-app payment flow. From that point, customers can pay using stablecoins directly from their own wallets via QR code or tap. Stableyard routes the payment across whatever chain the customer is using, screens it for compliance, and delivers settlement to the merchant — either as a stablecoin balance or converted to local fiat currency.

The platform is explicitly self-custodial: Stableyard never holds merchant funds. This design keeps merchants in control of their own keys and avoids the counterparty risk associated with custodial processors that pool and hold customer deposits.

Settlement timing depends on geography. Merchants in the United States, Singapore, and Japan receive same-day fiat conversion; merchants in other supported markets receive next-business-day settlement. Stablecoin-to-stablecoin settlement is instant.

Supported Assets and Chains

Stableyard supports stablecoin acceptance across 8+ blockchains and 60+ currencies, including:

• USDC on Solana, Base, Ethereum, and MOVE
• USDT on Tron, Polygon, and Ethereum
• PYUSD on Solana and additional chains

Solana is one of the core supported networks, giving the platform access to Solana's high-throughput, low-fee transaction layer for stablecoin transfers.

Pricing

Stableyard charges a flat 1% processing fee, compared to the roughly 3.5% typically charged by traditional card networks. At $1.35 million in monthly payment volume, the difference amounts to approximately $33,750 in monthly savings. The flat-rate model makes cost planning straightforward for merchants with variable transaction sizes.

Features

Programmable payments: Merchants can configure payment rules including spending limits, multi-party approval flows, and automatic payment splits — useful for marketplaces, payroll distribution, and B2B transfers.

One integration, multiple channels: A single integration covers online checkout, physical POS terminals, and in-app payment surfaces.

One-click refunds: The platform supports instant refund processing, addressing a common pain point with traditional payment delays of several business days.

Cross-border settlement: Stableyard bypasses correspondent banking rails for cross-border transfers, removing multi-day delays and intermediary fees common in international business payments.

Compliance and Security

Stableyard's compliance infrastructure includes KYC verification, sanctions screening, and real-time Know Your Transaction (KYT) monitoring on every transaction. The platform works with licensed banking partners across 30+ jurisdictions for fiat settlement.

The stablecoins accepted through Stableyard come from established issuers — Tether (USDT) and Circle (USDC) — that maintain 1:1 dollar reserves and undergo independent audits. Stableyard operates under SOC 2 and ISO 27001 certifications through its regulated partners.

Technical Approach

Stableyard's GitHub organization maintains public TypeScript repositories, including x402plus, a cross-chain API payment protocol that extends the x402 standard. The x402plus implementation supports gasless transactions with privacy and fast finality, enabling prefunded API payment flows without per-call gas overhead. This protocol-level work positions Stableyard to serve not only merchant checkout use cases but also developer-facing payment infrastructure where machines pay machines via API.

Backing

Stableyard received investment from Movement, the Move-based Layer 1 blockchain. The relationship extends beyond capital: Movement committed to routing merchant introductions to Stableyard and integrating Stableyard's checkout into Movement-native applications. The co-founders Avinash and Mitesh connected with Movement approximately two years before the investment, during which they developed the platform's core infrastructure.

Position in the Solana Ecosystem

Solana's stablecoin activity has expanded substantially, with USDC and PYUSD both seeing increased on-chain volume as merchants and protocols favor Solana's low transaction costs and finality speed. Stableyard brings a commerce-facing layer on top of that infrastructure — giving businesses a compliance-covered, multi-chain entry point that includes Solana settlement without requiring merchants to understand wallet formats, RPC endpoints, or chain-specific tooling.

By positioning as a payment processor rather than a DeFi protocol, Stableyard targets businesses that need reliable settlement, reconciliation exports, and regulatory compliance tooling. The self-custodial design and instant stablecoin settlement distinguish it from custodial payment gateways where merchants wait for batch payouts.