Goldsky

Stablecoin payments

Banks, payment companies and fintechs use stablecoins to take deposits, pay out, move money across borders and back dollar accounts and cards.

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34 use cases

Detect deposits

Spot incoming stablecoin transfers to your customers’ wallets and credit them once confirmed.

Stablecoin wallet top-upsCredit a user’s app balance when a stablecoin transfer to their embedded wallet confirms.
Stablecoin deposits to business bank accountsDetect stablecoin deposits into business bank and fintech accounts and post them to the account alongside fiat.
Crypto exchange deposit detectionDetect deposits to each exchange user’s addresses, wait for enough confirmations and credit the user once.
Accept stablecoin paymentsConfirm stablecoin payments from shoppers and mark the order paid.
Authorize and capture stablecoin paymentsHold a buyer’s stablecoins in an escrow contract at checkout, capture them to the merchant as orders ship, void what can’t be filled and refund after capture.
Stablecoin off-rampsDetect the stablecoin a customer sends to cash out, so the provider can pay fiat to their bank account or card.
Confirm x402 and agent stablecoin paymentsConfirm stablecoin payments that AI agents make, often per request, and keep each agent within its spending limits.
Stablecoin subscription paymentsConfirm each scheduled stablecoin charge onchain and mark the subscription paid.

Send stablecoin payouts to contractors, sellers and partners, and confirm each one landed.

Stablecoin payroll and contractor payoutsPay contractors and staff in stablecoins and confirm each payout settled.
Stablecoin payouts for marketplaces and creatorsPay sellers, gig workers and creators in stablecoins from a marketplace balance.
Payout prefunding in USDCPrefund a payout network in USDC and track the balance so payouts never stall.
Token distributions to holders and creditorsPay one asset out to thousands of holders, creditors or employees and prove each delivery.
Airdrop eligibility lists and sybil filteringScore every address up to a snapshot block, remove sybil clusters and publish the list people claim against.
Stablecoin disbursements for public-sector programsTrack government benefit or grant payments made in stablecoins, from issue to spend.
Stablecoin merchant settlementPay each merchant’s settlement in stablecoins to the wallet and network it chose, on any day, and record the transaction against the settlement.
Programmable escrow for B2B stablecoin paymentsHold a buyer’s stablecoin payment until delivery, a milestone or a deadline, then release it to the seller or refund the buyer.

Move consumer remittances in stablecoins and track each transfer to the recipient.

Stablecoin remittancesSend money across borders in stablecoins and confirm it reached the recipient’s wallet or card.

Settle business, card-network and interbank payments in stablecoins or deposit tokens across chains.

B2B cross-border payments in stablecoinsPay suppliers abroad in stablecoins and track each payment from send to off-ramp.
Cross-chain transfer trackingSee every cross-chain stablecoin transfer as settled, in flight or stalled, and catch the stuck ones.
Stablecoin settlement for card networksSettle card-network obligations with issuers and acquirers in stablecoins across chains.
Tokenized deposits for interbank settlementSettle payments between banks in tokenized deposits and tie each one to the core.
Onchain FX between stablecoinsSwap between stablecoin currencies onchain and record the rate and settlement of each trade.

Run stablecoin dollar accounts, the cards that spend from them and the rewards paid on them.

Stablecoin card programsDetect stablecoin top-ups to the wallets that back a card program so spend limits update.
Stablecoin dollar accountsOffer dollar accounts held in stablecoins, with balances and history kept in step with the chain.
Stablecoin card program operationsWatch card-backing wallets and read balances at authorization time for stablecoin-linked cards.
Rewards on stablecoin balancesCalculate and pay rewards on customers’ stablecoin balances.
Stablecoin credit lines for card issuersTrack the stablecoin draws and repayments on a card issuer’s credit line so the lender’s book matches the chain.

DvP settlement monitoring for tokenized assetsMatch each delivery-versus-payment settlement of a tokenized asset to its booked trade, and alert when a trade, or one leg of it, hasn’t settled by the deadline.
Crypto wallet screening and sanctions dataFlag transfers that touch sanctioned or high-risk addresses.
Data for crypto AML transaction monitoringFeed complete transfer data to AML tools with lineage from the chain to the case.
Crypto scam and money mule detection dataFlag payments to scam-linked wallets and customer accounts that act as money mules.
Pre-signing policy checks for custodiansCheck a transaction against policy and risk verdicts before the custodian signs it, and block the signature if it fails.
Crypto portfolio and statement dataShow customers their holdings and history across chains in an app or statement.
Embedded wallet balances and historyShow balances and history for wallets embedded in a fintech app.