Send USDC across borders faster and for less

Send USDC to other businesses and let AI smart contracts handle more complex payments. Pay your vendors across borders much faster and at a lower cost than standard SWIFT payments.

You'll be able to view your transaction history and contracts which are stored on the Stellar network's ledger and transact with automated date and time constraints. We're minting a gold-backed stablecoin pegged 1:1 to any currency for treasury reserves which hedge against local currency inflation. Our stablecoin will have many uses.

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Under the Hood

PayCoin operates on the Stellar blockchain network. Stellar is a fast open-source blockchain network built specifically to enhance the world's financial system. Stellar supports Circle, which powers USD Coin (USDC). USDC is always redeemable 1:1 for U.S. dollars. USDC reserves are held in the management and custody of leading U.S. financial institutions and Circle is regulated as a licensed money transmitter under U.S. state law.

Security

The mission to power the world's cross-border stablecoin payments is achievable by remaining compliant.

You'll have access to 2FA (Two-Factor Authentication) and multisig. PayCoin is a non-custodial service, only you will have access to your secret keys and hardware wallets.

Fees

PayCoin charges a service fee for each initiated payment on the app. This fee helps PayCoin provide a safe and fast stablecoin payments experience!

Smart Contracts

Smart contracts are self-executing programs stored on the blockchain that enables two or more parties to exchange money, property, shares, or anything of value in a transparent, conflict-free way while avoiding the need for a third party. PayCoin will use Soroban, a smart contracts platform built with Stellar's speed and interoperability in mind.

PayCoin's testnet demo has officialy launched and being reviewed for the Apple app store. Request access to test the app now without needing to download it from the app store.

Developer SDK coming June 2026

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