Stablecoin Settlement

Payments App

Cross-Border Stablecoin-Backed Payments for the World

Send money across borders instantly using stablecoin settlement rails while receiving local currency. Multi-provider routing finds you the best rate. Full KYC/AML compliance built in. Built for India's growing remittance market and global freelancer economy.

Learn more ↓

Send money globally in 4 steps

No hidden fees. No waiting days. Stablecoin rails settle in minutes.

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Step 1

Register + KYC/AML

Quick onboarding with tiered KYC. Verify once, send unlimited.

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Step 2

Choose Transfer Route

Compare rates from multiple providers. AI picks the best route automatically.

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Step 3

Stablecoin Settlement

Your transfer settles via USDT/USDC rails. Fast, transparent, low cost.

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Step 4

Local Currency Payout

Recipient gets paid in their local currency. Bank deposit or mobile wallet.

Why choose Payments App?

The fastest, cheapest, most compliant way to move money across borders.

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Multi-Provider Routing

Automatically compares rates across multiple liquidity providers and selects the best route for your transfer. Save up to 70% on fees.

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FX Management

Real-time exchange rates with transparent markup control. Lock rates before sending. No hidden conversion fees.

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KYC/AML Compliance

Built-in Sumsub integration for identity verification. Tiered KYC, transaction monitoring, and automated AML screening.

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Stablecoin Rails

Settlement via USDT and USDC on fast, low-cost blockchain rails. No correspondent banking delays. Minutes, not days.

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Admin Dashboard

Full operational monitoring, provider configuration, tiered pricing management, and compliance reporting from one dashboard.

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Client Portal

Track every transfer in real-time. Manage beneficiaries, view transaction history, download statements. Clean, intuitive interface.

Built with production-grade technology

Spring Boot 3.5 Next.js 15 PostgreSQL 16 RabbitMQ Dragonfly Prometheus / Grafana
20+

Sprints Done

< 30m

Settlement Time

Multi

Provider Routing

Full

KYC/AML Compliance

How the payment flow works

From sender to recipient through stablecoin settlement rails.

graph LR
    A[Sender] -->|Fiat In| B[Payment Gateway]
    B --> C[FX Engine
Best Rate Selection] C --> D[Stablecoin Rail
USDT/USDC] D --> E[Liquidity Provider] E --> F[Payout Partner
Local Currency] F --> G[Recipient] H[KYC/AML
Sumsub] -.-> A I[Admin Dashboard] --> C I --> D J[Compliance Engine] -.-> D style A fill:#6366f1,color:#fff style D fill:#4f46e5,color:#fff style G fill:#6366f1,color:#fff

Intuitive sender dashboard

Compare providers, lock rates, and send with confidence.

Send Money India → USA
KYC Verified
50,000 INR
~592.40 USD
1
StablePay Express Best Rate
1 INR = 0.01185 USD
Est. 8 min · Fee: 0.3%
2
CryptoRemit
1 INR = 0.01180 USD
Est. 15 min · Fee: 0.5%
3
GlobalBridge
1 INR = 0.01175 USD
Est. 25 min · Fee: 0.8%
KYC Verified AML Cleared Within Limits Beneficiary Saved

How we compare

The best of traditional remittance and crypto rails in one platform.

Feature Payments App Wise Remitly Stellar/Ripple Western Union
Stablecoin Settlement
Multi-Provider Routing
Simple End-User UX
Settlement < 30 min ~1-2 hrs ~mins 1-5 days
Built-in KYC/AML Varies
Low Fees (< 1%) ~1-3% 5-10%

Compliance-first architecture

Every transfer is monitored, every user is verified, every regulation is followed.

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KYC Tiers

Tier 1: Basic (email + phone). Tier 2: ID verification. Tier 3: Enhanced due diligence for high-value transfers.

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AML Monitoring

Real-time transaction screening. Suspicious activity flagging. Automated SAR filing. Sanctions list checks.

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Transaction Limits

Tiered limits based on KYC level. Daily, monthly, and per-transaction caps. Auto-escalation for verified users.

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Regulatory Coverage

Designed for RBI Liberalised Remittance Scheme (LRS). FEMA compliant. FATF travel rule support.

Coming Soon

Expanding the payment network

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Mobile App

Native iOS and Android apps for sending money on the go. Push notifications for transfer status.

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SEPA Integration

Direct Euro transfers across the Single Euro Payments Area. Instant SEPA credits for EU corridors.

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Multi-Stablecoin Support

Support for DAI, EUROC, and other regulated stablecoins. Choose the best settlement currency per corridor.

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DeFi Yield on Hold Balance

Earn yield on funds held in your account via audited DeFi protocols. Opt-in, fully transparent.

Roadmap

Building the future of cross-border payments

Four phases from core transfers to DeFi integration.

Phase 1: Core Transfers + KYC

DONE

Basic send/receive, Sumsub KYC integration, single provider, fiat on/off ramps, admin dashboard.

Phase 2: Multi-Provider Routing

DONE

FX engine with rate comparison, multi-provider aggregation, auto-routing, tiered pricing, compliance engine.

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Phase 3: Mobile + SEPA

IN PROGRESS

Native mobile apps, SEPA integration for EU corridors, multi-stablecoin support, beneficiary management.

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Phase 4: DeFi Integration

PLANNED

DeFi yield on hold balances, on-chain settlement verification, programmable payments, API marketplace.

Frequently Asked Questions

Everything you need to know about Payments App.

How does stablecoin settlement work?
When you send money, your fiat is converted to a stablecoin (USDT or USDC) which travels across blockchain rails to the recipient's country. There, it's converted back to local currency and deposited. This avoids the slow, expensive SWIFT/correspondent banking network while maintaining stability (1 USDT = 1 USD).
What KYC documents do I need?
Tier 1 (up to $500/month): email and phone verification. Tier 2 (up to $10,000/month): government-issued photo ID (Aadhaar, passport, or driver's license) + selfie verification via Sumsub. Tier 3 (higher limits): additional address proof and source of funds documentation.
Which corridors are supported?
Currently: India-US, India-UK, India-EU, India-Singapore, India-UAE, India-Canada. Expanding to: India-Australia, Southeast Asia corridors, and Africa-Europe corridors in Phase 3.
What are the fees?
Fees are 0.3% to 0.8% depending on the route and provider. No hidden markup on exchange rates. The platform shows all-in costs upfront before you confirm. First transfer is free during early access.
How long does a transfer take?
Most transfers complete in 8-30 minutes. The stablecoin settlement itself takes 2-5 minutes. Additional time depends on fiat on-ramp/off-ramp processing in each country. Traditional SWIFT transfers take 1-5 business days for comparison.
Is my money safe?
Yes. Funds are held in regulated custodial accounts. Stablecoins used (USDT, USDC) are 1:1 backed by USD reserves. All transfers are monitored in real-time. Bank-grade encryption (AES-256) protects all data. Hot wallet exposure is minimized with cold storage for reserves.
Is this compliant with Indian regulations?
Yes. Designed for compliance with RBI's Liberalised Remittance Scheme (LRS) for outward remittances. FEMA (Foreign Exchange Management Act) compliant. FATF travel rule supported. Automated regulatory reporting for all jurisdictions.
What currencies are supported?
Fiat: INR, USD, GBP, EUR, SGD, AED, CAD. Stablecoins: USDT (Tron/Ethereum), USDC (Ethereum/Solana). More currencies and chains being added in Phase 3.

Register for Early Access

Be among the first to try Payments App. Limited spots available.

+91

10-digit Indian mobile number

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Sidewall Financial Services Pvt Ltd

Kishore Rajendra

Founding Member

Soumya Swain (Sam)

Founding Member