Payments Platform

The technical stack for stablecoin-powered treasury operations.

The ABCD Payment Stack

Layer	Function	Payment Application
A (AI)	Optimize routing	MEV algorithms, FX timing, risk scoring
B (Blockchain)	Prove settlement	Immutable records, atomic execution
C (Crypto)	Align incentives	Stablecoin liquidity, solver competition
D (DePIN)	Physical reach	POS terminals, ATMs, off-ramp networks

The synthesis: AI decides → Stablecoin executes → Blockchain proves → DePIN distributes.

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Architecture Pattern

┌─────────────────────────────────────────────┐
│           EXPERIENCE LAYER                   │
│   Treasury Dashboard, Payroll, Commerce     │
├─────────────────────────────────────────────┤
│           DOMAIN SERVICES                    │
│   ScheduleDisbursement(policy, context)      │
│   ExecutePayment(intent, constraints)        │
├─────────────────────────────────────────────┤
│           ROUTING LAYER                      │
│   Rail selection, compliance, FX, risk       │
│   (Your telco LCR expertise lives here)      │
├─────────────────────────────────────────────┤
│           INFRASTRUCTURE ADAPTERS            │
│   Solana | Base | Tron | SWIFT | Bank rails  │
└─────────────────────────────────────────────┘

Hex architecture principle: Rails are adapters. Routing and experience are where defensibility lives.

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Layer Details

A — AI Layer (Routing Intelligence)

The "MEV" opportunity in payments.

Component	Function	Implementation
Cost Oracle	Real-time rail pricing	API aggregation, ML pricing
Router	Optimal path selection	Constraint optimization
FX Timing	When to convert currencies	Time series prediction
Risk Scoring	Counterparty, compliance	Rule engine + ML

Gap status: 🔴 — No dominant player. This is the build opportunity.

B — Blockchain Layer (Settlement)

Chain	Strengths	Payments Use Case
Solana	Speed, cost, stablecoin depth	High-volume B2B
Base	Coinbase ecosystem, compliance	US-centric treasury
Tron	USDT dominance, Asia corridors	Emerging market flows
Ethereum	Security, ecosystem	High-value, infrequent

The principle: Chains are adapters. Don't couple to one.

C — Crypto Layer (Stablecoins)

Asset	Issuer	Market Cap	Best For
USDC	Circle	$30B+	Compliance, US-centric
USDT	Tether	$100B+	Asia corridors, liquidity
EURC	Circle	Growing	EU treasury
PYUSD	PayPal	Growing	Consumer integration

Key insight: Stablecoins aren't volatile. The exposure window is hours.

D — DePIN Layer (Physical Distribution)

Infrastructure	Status	Payments Role
Off-ramp networks	🟢 Growing	Last mile to bank accounts
POS terminals	🟡 Emerging	Consumer checkout (future)
ATM networks	🔴 Early	Cash in/out
Edge compute	🟡 Emerging	Local compliance, latency

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Integration Architecture

ERP Integration

┌─────────────────────────────────────────────┐
│              ERP SYSTEM                      │
│   (SAP, Oracle, NetSuite, QuickBooks)       │
├─────────────────────────────────────────────┤
│              AP MODULE                       │
│   Payment instruction → API call            │
├─────────────────────────────────────────────┤
│           ROUTING SERVICE                    │
│   Evaluate rails → Select optimal → Execute │
├─────────────────────────────────────────────┤
│           SETTLEMENT LAYER                   │
│   SWIFT adapter | Stablecoin adapter        │
├─────────────────────────────────────────────┤
│           RECONCILIATION                     │
│   Status → ERP update → GL posting          │
└─────────────────────────────────────────────┘

API Structure

POST /payments
{
  "intent": {
    "amount": 50000,
    "currency": "USD",
    "recipient": {
      "name": "Supplier Co",
      "bank_account": "...",
      "country": "MX"
    },
    "deadline": "2025-02-15"
  },
  "constraints": {
    "max_cost_bps": 100,
    "compliance": ["ofac", "aml"],
    "preferred_rail": null  // let router decide
  }
}

Response:
{
  "payment_id": "pay_123",
  "selected_rail": "stablecoin_bridge",
  "estimated_cost_bps": 65,
  "estimated_arrival": "2025-02-12T14:00:00Z",
  "status": "pending_confirmation"
}

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Tools and Services

Stablecoin Infrastructure

Service	Function	Integration
Circle Mint	USDC mint/redeem	API, bank connection
Bridge	Orchestration + off-ramp	API
BVNK	B2B payments, 100+ countries	API
Fireblocks	Custody, signing	Wallet infra

Routing and Optimization

Service	Function	Integration
Li.Fi	Cross-chain routing	Aggregator API
Socket	Bridge aggregation	API
0x	DEX aggregation	API
CoW Protocol	MEV protection	Intent-based

Compliance

Service	Function	Integration
Chainalysis	On-chain analytics	API
Elliptic	Transaction monitoring	API
TRM Labs	Risk intelligence	API
OFAC lists	Sanctions screening	Data feed

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Data Model

Payment Intent

Field	Type	Description
intent_id	UUID	Unique identifier
amount	Decimal	Payment amount
source_currency	String	e.g., USD
dest_currency	String	e.g., MXN
recipient	Object	Bank details, country
deadline	DateTime	Required arrival
constraints	Object	Max cost, compliance rules

Rail Selection

Field	Type	Description
rail_id	String	e.g., stablecoin_bridge
estimated_cost	Decimal	Basis points
estimated_time	Duration	Settlement time
compliance_status	String	Cleared, pending, blocked
fx_rate	Decimal	Applied rate

Settlement Record

Field	Type	Description
settlement_id	UUID	Unique identifier
on_chain_tx	String	Blockchain transaction hash
off_ramp_ref	String	Provider reference
actual_cost	Decimal	Realized cost
arrival_time	DateTime	Confirmed delivery
audit_trail	Array	Compliance checkpoints

---

Build vs. Buy

Component	Build	Buy
Routing intelligence	Your differentiation	—
Treasury UI	Custom for CFO persona	Generic dashboards exist
Settlement rails	—	Bridge, BVNK (proven)
Custody	—	Fireblocks, Anchorage
Compliance	—	Chainalysis, TRM
ERP connectors	Custom per ERP	Some exist (Coupa, SAP add-ons)

The strategy: Build routing + experience. Buy everything else.

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Standards

Standard	Purpose	Relevance
ISO 20022	Financial messaging	SWIFT replacement, interop
EIP-4337	Account abstraction	User experience, gasless
EIP-3009	Transfer with authorization	Permit patterns
GENIUS Act	US stablecoin framework	Regulatory compliance
MiCA	EU crypto regulation	European treasury ops

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Context

• Principles — Why this architecture
• Protocols — How to use the platform
• Players — Who provides these tools
• Payment Rails — Broader platform context
• ABCD Stack — Full technology framework