Stablecoin Business Account

Cross-border B2B payments over traditional rails are slow and costly, but the crypto alternative asks a business to manage seed phrases, hold a second token just to pay transaction fees, and pick the correct network for every transfer, with no invoicing, no compliance onboarding, and no way for counterparties to pay by ordinary bank transfer.

The platform had to make the blockchain an implementation detail while treating fiat as a first-class citizen: real deposit rails in, local-currency payouts out, and a compliance gate in front of all money movement.

Every user gets an embedded smart-contract wallet on Base, created automatically from their authenticated session, no seed phrase, no extension. Transactions are sponsored through a gas-manager policy, so users never hold a gas token. When sending to an external address, the system detects which network the address is active on and, via Circle's CCTP, routes USDC across chains automatically.

Fiat deposits arrive through virtual bank accounts provisioned via Bridge.xyz across five payment systems, and payouts convert USDC to local currency for saved bank recipients with live exchange-rate quotes. A card on-ramp widget covers direct purchases.

The product is gated behind compliance: a multi-step KYB wizard collects business, industry, and beneficial-owner information; individual identity is verified through Didit's embedded KYC flow; and applications are approved through a secret-protected decision endpoint driven from an internal review console. API routes check onboarding status server-side before allowing money movement, with status emails sent automatically at each stage.

The dashboard home shows the user's smart-account balance, portfolio value enriched with live prices, and recent transactions pulled from on-chain transfer history. Sending USDC is a guided flow, amount, recipient, review, that accepts a pasted wallet address with automatic network detection and validation, or a saved bank recipient for a fiat payout. Transfers execute as sponsored transactions, so recipients get USDC and senders never pay gas.

Invoicing closes the loop on getting paid. Users build invoices in a five-step modal, save drafts, and generate branded PDFs. Sending an invoice emails the customer a link to a hosted payment page on a separate public app, no login required, showing the invoice, the amount due in USDC, and payment instructions. The invoice API supports search, status filters, sorting, and pagination, with a stats endpoint powering summary tiles for unpaid, overdue, and paid totals.

Security runs through the whole product: Supabase authentication with server-side sessions, TOTP two-factor login, rate-limited auth attempts, session verification on every API route, and sanitized search inputs. Until KYB approval lands, money-movement APIs return a restricted response, a compliance gate enforced on the server, not in the UI.