Stablecoin infrastructure beyond transfers
Stablecoin payments look simple on the surface: move USDC from wallet A to wallet B. In production, the complexity lives in everything around the transfer - settlement timing, fee collection, treasury reconciliation, failure handling, retry logic, multi-provider routing, and compliance reporting that maps on-chain movement to off-chain accounting.
For institutions working with RLUSD on XRPL or USDC/USDT on EVM chains, the gap between "we can send a transaction" and "we have operational payment infrastructure" is months of backend engineering. That infrastructure includes state machines for payment flows, integration layers for custody and wallet providers, data pipelines for real-time reporting, and monitoring that catches failures before they cascade.
We build the operational layer around stablecoin flows. Smart contracts where they add value (escrow, programmable fees, routing logic), backend services everywhere else. Our stablecoin infrastructure runs in production at Soil.co on both EVM and XRPL, handling lending flows, yield distribution, and settlement operations.
What you get
We don’t sell licensing or a “one-size-fits-all compliance platform.” We design systems that integrate cleanly with the providers and frameworks you operate under, focusing on end-to-end movement of funds.
We build the layers that make stablecoin flows usable in real finance operations - not just transfers on-chain.
Payment flow design
+Design end-to-end movement of funds across wallets, accounts, and systems. Output: clear flow spec: states, failure cases, retries, and reconciliation rules.
Settlement & treasury workflows
+Implement settlement logic, batching, fees, and operational controls. Output: treasury-friendly workflows with audit-friendly outputs.
Smart contracts (when needed)
+Escrow, routing, fee logic, and programmable controls for stablecoin flows. Output: production-ready Solidity (and XRPL-native flows when applicable).
Backend services & integrations
+APIs and services integrating your stack with providers you choose. Output: integrations for custody/wallet providers, ramps, compliance vendors, analytics, internal systems.
Data pipelines & reporting outputs
+Convert on-chain activity into operational and finance reporting. Output: indexing + data pipelines enabling dashboards, exports, and downstream accounting/ops processes.
Production support
+Monitoring, runbooks, and safe upgrades for live payment systems. Output: observability baseline + incident response workflows + post-launch support.
Core architecture
Flow engine
+State machine for transfers, retries, and failure handling.
Integration layer
+Custody/wallets, ramps, analytics, internal systems.
On-chain layer
+Contracts only where programmability adds value.
Data layer
+Indexing + pipelines for reporting and downstream ops.
Ops layer
+Monitoring, alerts, runbooks, and safe release practices.
Common use cases
Real-world scenarios for operational stablecoin infrastructure.
Stablecoin payouts and collections
+Customer payouts, vendor payments, and inbound collections with operational traceability.
Cross-border settlement
+Fast settlement flows with consistent reporting and clear failure handling.
Treasury management workflows
+Transfers, batching, fees, and balances with operational controls and audit-friendly outputs.
Stablecoin rails for platforms
+Payments infrastructure embedded in fintech products (APIs, workflows, and reporting).
XRPL stablecoin flows
+High-throughput payment flows designed for cost efficiency and maintainability.
How we work
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Stablecoin Payment & Settlement Flows - Frequently Asked Questions
- Why is stablecoin payment infrastructure more complex than a simple token transfer?
- A token transfer is one step. Operational payment infrastructure handles everything around it: settlement state machines with defined success and failure states, fee collection and treasury reconciliation, retry logic for failed transactions with idempotency guarantees, multi-provider routing, compliance reporting that maps on-chain movement to off-chain accounting, and monitoring that catches failures before they cascade. The gap between "we can send a transaction" and "we have operational payment infrastructure" is typically months of backend engineering.
- Which stablecoins and chains do you work with?
- We work with USDC and USDT on EVM chains (Ethereum, Polygon, Base, Arbitrum) and RLUSD on XRPL. The choice of chain and stablecoin depends on your target use case, throughput requirements, cost constraints, and counterparty/compliance requirements. We have production references on both EVM (Soil.co) and XRPL (Soil.co, XRPL flows).
- How do you handle payment failures and retries?
- We implement explicit payment flow state machines where every state and transition is defined, including failure states. Retry logic uses idempotency keys to prevent double-spending, exponential backoff for transient failures, and escalation to manual review for persistent failures. Critical payment operations have separate alerting channels and runbooks for on-call response.
- How does compliance reporting work for stablecoin flows?
- We build custom indexers and data pipelines that capture on-chain payment events and transform them into structured datasets mapped to your accounting and compliance requirements. This includes transaction-level audit trails, reconciliation exports, and reporting outputs designed for finance teams - not raw blockchain data. The indexing layer is designed alongside the payment logic, not added as an afterthought.
