Stablecoin Network
PAYF — Stablecoin Network
Stablecoin Network
The routing network for stablecoins entering real-world commerce.
稳定币进入真实商业的路由网络。
PayF operates the routing layer for compliant stablecoin commerce. The network connects licensed issuers, wallets, card programs, payment institutions, SaaS systems, and merchants through a single integration.
Operating principles
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0
Custody
PayF holds no participant funds.
1
Integration
Single integration to the network.
8+
Issuers
Compliant issuers under integration.
100%
Compliance
Routing limited to licensed counterparties.
01 / Overview
A unified network layer for compliant stablecoin commerce.
PayF provides the routing infrastructure for businesses connecting to compliant stablecoin payments. The network abstracts blockchain, wallet, and settlement complexity from merchant systems.
PayF is the connectivity layer between compliant issuers, wallets, card programs, payment institutions, SaaS and ERP systems, and merchants.
A single integration provides access to the compliant stablecoin economy across the network.
Network participants
- Compliant stablecoin issuers
- Wallets
- Card programs
- Payment institutions
- SaaS & ERP systems
- Merchant systems
02 / Operation
Three layers from initiation to settlement.
Every transaction traverses three layers. PayF operates the middle.
Payment Source
- Wallets
- Card programs
- SaaS platforms
- Payment entry points
PayF Routing Layer
- Channel selection
- Stablecoin matching
- Compliance routing
- Reconciliation orchestration
Licensed Settlement
- Compliant issuers
- Licensed payment institutions
- On / off-ramp
- Merchant receives stablecoin or fiat
03 / Network
Positioned between supply and demand.
PayF operates at the intersection of stablecoin supply and commercial demand, functioning as the connectivity layer and not competing with any participant in the network.
Routing LayerIssuers
Compliant fiat-backed stablecoins.
Wallets
Consumer & business wallets.
Cards
Stablecoin-funded card programs.
SaaS / ERP
Software with embedded payments.
Payment Inst.
Licensed acquirers & PSPs.
Merchants
Online & offline commerce.
Routing LayerIssuers
Compliant fiat-backed stablecoins.
Wallets
Consumer & business wallets.
Cards
Stablecoin-funded card programs.
SaaS / ERP
Software with embedded payments.
Payment Inst.
Licensed acquirers & PSPs.
Merchants
Online & offline commerce.
04 / Capabilities
PayF performs four functions across every transaction.
These are the operations PayF executes within the network — and the only operations PayF executes.
Route
Path selection across issuers, channels, and jurisdictions, optimized for cost, time-to-finality, and compliance constraints.
Connect
A single integration connects participants to every counterparty in the network.
Reconcile
A unified ledger across multi-issuer, multi-jurisdiction settlements, maintained as a single source of record.
Comply
Compliance routing is built into the network. Only licensed issuers and licensed counterparties enter any routed path.
05 / Sectors
Sectors served by the network.
Cross-border Commerce
B2B trade settlement and cross-border value transfer.
Gaming & Digital
Digital content and in-game payments.
SaaS & ERP
Enterprise software and merchant back-office settlement.
Wallets & Cards
Consumer wallet and card-issuing programs.
Retail & Lifestyle
Retail and lifestyle merchant acceptance.
06 / Reference
Reference implementations.
Two reference surfaces — a stablecoin-funded card program and an ERP settlement view — illustrating where the PayF network surfaces to end users and operators.
Stablecoin-funded card programs.
PayF connects compliant card issuers to stablecoin balances. Cardholders spend in fiat at any acceptance point on existing card networks.
- Stablecoin to fiat at point of sale
- Auto-conversion at authorization
- Settled through licensed acquirers
•••• •••• •••• 1234
Cardholder
PARTNER NAME
Expires
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Native settlement records in existing systems.
Merchants view PayF transactions as native ledger entries within existing ERP and SaaS systems. No separate dashboard, no manual reconciliation.
- Single-line settlement records
- Native ERP and SaaS embedding
- Automated invoice matching
Settlements / Today
via PayFAcme Trading PTE
PayF route
Borneo Goods
PayF route
Luna Studios
PayF route
Pacific Mart
PayF route
07 / Compliance
PayF connects. PayF does not custody, license, or issue.
Strict operating boundaries form the foundation of the PayF network. The list below is short by design.
PayF is infrastructure. Not an issuer. Not a custodian. Not a license holder.
PayF does not
- Issue stablecoins
- Custody funds
- Operate payment licenses
- Provide financial products
- Participate in asset issuance
PayF only does
- Network connection
- Routing
- Orchestration
- Reconciliation
- Partner access
08 / Partners
A network of compliant, licensed counterparties.
PayF integrates only with compliant issuers and licensed counterparties across the payments stack. The network under construction is described below.
Stablecoin issuers under integration
Compliant, licensed, and audited. PayF is actively engaging the issuers below.
USDC
Circle
US / EU
USDT
Tether
Global
PYUSD
PayPal / Paxos
US
FDUSD
First Digital
HK
USDP
Paxos
US (NYDFS)
XSGD
StraitsX
Singapore (MAS)
EURC
Circle
EU (MiCA)
TUSD
TrueUSD
Global
Counterparties across the payments stack
Stablecoin Issuers
Compliant fiat-backed stablecoins with auditable reserves.
OnboardingWallets
Consumer and business wallets across mobile and web.
OnboardingCard Programs
Stablecoin-funded card-issuing networks.
OnboardingSaaS / ERP
Enterprise software, back-office, and merchant systems.
OnboardingPayment Institutions
Licensed acquirers, PSPs, and settlement partners.
OnboardingMerchants
Cross-border, digital, retail, and lifestyle merchants.
Onboarding09 / Contact
Contact PayF.
Stablecoin issuers, wallets, card programs, SaaS systems, payment institutions, and merchants are invited to inquire.