Tender

Tender is a cryptocurrency payments infrastructure platform built for merchants and developers who want to accept, manage, and disburse digital assets without running their own blockchain infrastructure. The platform positions itself as a full-stack payment layer: merchants can generate payment requests, track balances, convert between assets, pay out to users, and access fiat off-ramps through a single API integration.

How It Works

At its core, Tender is an API-first gateway. Merchants create an account, complete onboarding, and generate API credentials from the dashboard. All requests are authenticated using HMAC cryptographic signatures — a server-side signing method that prevents request tampering without relying on shared secrets transmitted in headers. Real-time payment events are delivered via configurable webhooks, which include delivery logs for debugging failed notifications.

The platform exposes four primary API categories:

• Payment APIs — initiate and validate incoming crypto transactions from customers
• Agent APIs — create and manage sub-businesses or agents under a merchant account, enabling multi-tenant structures for platforms that serve downstream merchants
• System APIs — retrieve supported chains, currencies, and live exchange rates
• Webhook APIs — configure endpoints and inspect delivery histories

Two developer integration paths are available: a JavaScript/React library for web applications, and a WordPress WooCommerce plugin for e-commerce stores that do not require custom API integration.

Feature Set

Tender covers the full lifecycle of a crypto payment operation across several distinct product areas:

Payments allow merchants to generate payment requests and accept cryptocurrency from customers on any supported chain. Each payment is tracked with status callbacks and is reconcilable through the merchant dashboard, which surfaces total sales volumes, transaction counts, and average transaction sizes in real time.

Payouts enable merchants to send crypto from their Tender balances to external wallet addresses or saved payout accounts. This is designed for use cases such as vendor payments, creator payouts, or P2P transfers initiated from a merchant treasury.

Conversions let merchants swap between supported cryptocurrencies across different blockchains or convert crypto holdings directly into fiat. The API includes fee calculation endpoints so merchants can present accurate cost breakdowns before committing to a conversion.

On-Ramp Services reverse the typical flow: customers pay with local fiat currency and receive the equivalent cryptocurrency directly to their wallet. This is targeted at platforms operating in markets where users hold fiat but the downstream ecosystem is crypto-native.

Subwallets allow merchants to programmatically create and manage custodial crypto wallets on behalf of end users. Each subwallet supports deposit monitoring and internal fund transfers, making this feature suited to fintech apps that want to embed a crypto wallet experience without building custody infrastructure.

Fiat Payouts convert USDC balances into supported fiat currencies via bank transfers or anchor integrations — a settlement path that connects on-chain liquidity to traditional banking rails.

Bulk Disbursements distribute payments to multiple recipients in a single operation using USDC or XLM on the Stellar network. This addresses payroll, reward distribution, and grant disbursement use cases where sending to many addresses individually would be operationally costly.

Tokens and Chains

Tender's documentation confirms support for USDC as a first-class settlement asset, used in conversions, fiat payouts, and bulk disbursements. Stellar (XLM) is explicitly referenced for bulk payments, reflecting Stellar's low-cost multi-send capabilities and existing anchor network for fiat corridors. The platform is described as chain-agnostic in its payments layer, with system APIs exposing a supported chain list that merchants query programmatically.

The organization's GitHub repository includes a fork of the Jupiter Aggregator platform registry — the community-maintained Solana ecosystem registry used by Solana's most widely used DEX aggregator to list and surface platforms. This indicates that Tender is registered or in process of being recognized within the Solana ecosystem, pointing to active Solana integration.

The GitHub also includes a fork of FacilitatorX402, a backend component implementing the x402 HTTP payment protocol. The x402 standard enables HTTP-native machine payments — allowing servers to charge for API calls or content access using crypto micropayments — suggesting Tender is exploring or building agent-to-agent payment flows on top of its infrastructure.

Ecosystem Context

Tender operates in the crypto payment gateway segment, targeting merchants that want multi-chain reach without managing individual chain integrations. Its differentiation lies in the agent management layer for platform-level multi-tenancy, the inclusion of on-ramp services that handle fiat entry, and a WooCommerce plugin that lowers the integration barrier for existing e-commerce merchants.

The bulk disbursement feature via Stellar positions it for emerging-market remittance and payroll use cases where Stellar's anchor ecosystem connects USDC on-chain to local bank accounts. The x402 fork signals awareness of the AI-agent payment trend, where autonomous software agents need to pay for services programmatically over HTTP.

Status and Activity

Tender's merchant dashboard and documentation site are live and accessible. The GitHub organization at github.com/tender-cash shows active maintenance through July 2026. The organization's contact is [email protected] and the platform maintains an X/Twitter presence at @Tender_Cash. No public audit reports, founding team disclosures, or external funding records were identified at the time of writing.