Real patterns.
Real customers.

Six common shapes fintechs use Stableops for, with the actual wallet topology and customer numbers behind each. Most production customers start with one and grow into two or three.
§ 01

Cross-border payroll

Distributed-team employers · 40+ countries

Pay engineers and contractors in USDC, in the country they live in, the same day. No correspondent banking, no per-payment FX fees, no waiting for SWIFT.

"We pay 412 engineers in 38 countries every two weeks. Used to take five days and a treasury analyst. Now it's one batch and a 14-second confirmation."
— VP of Finance · Atlas Engineering

How it's wired

5 STEPS
§ 01HR system triggers payroll batchMaster
§ 02Regional sub-wallet funded from masterpayroll_eu
§ 03Per-employee transfer signed via MPCpayroll_eu
§ 04Gas paid in USD by paymasterPaymaster
§ 05Webhook fires on settlementMaster

What customers see

IN PRODUCTION
TIME TO BATCH
11 min
COST PER PAYMENT
$0.08
COUNTRIES
40+
§ 02

Marketplace escrow

Two-sided marketplaces · gig platforms · digital goods

Hold buyer funds in time-locked escrow until delivery confirms. Settle to sellers on a release event, refund without ever touching the master, dispute without engineering work.

"Escrow was the part of our model we knew we needed but couldn't engineer ourselves. Plugged in custom escrow wallets in one sprint."
— CTO · Northwind

How it's wired

5 STEPS
§ 01Buyer deposits to checkout addressMaster
§ 02Funds moved to per-order escrow walletescrow_holds
§ 03Time-lock policy applied (7 days)escrow_holds
§ 04On delivery: released to sellerseller_payouts
§ 05On dispute: locked, ops can interveneescrow_holds

What customers see

IN PRODUCTION
OPERATOR-FUNDS TOUCHED
0
TIME-LOCK
Configurable
DISPUTE WINDOW
7 days
§ 03

Neobank with stablecoin accounts

Consumer fintech · digital banks

Give every user their own on-chain account with stablecoin balances. Deposits and withdrawals are gasless via the paymaster. Yield accrues to the interest pool. Reconciliation closes itself.

"Sub-three-second settlement means we can credit user balances in realtime. Our checkout conversion went up 11% the week we shipped."
— Head of Product · Meridian Pay

How it's wired

5 STEPS
§ 01User opens account → provisioned walletuser_balances
§ 02Deposit detected, swept to masterMaster
§ 03Internal sub-wallet balance updateduser_balances
§ 04Idle balances earn yield in poolinterest_pool
§ 05Withdrawal gasless via paymasterPaymaster

What customers see

IN PRODUCTION
DEPOSIT TO SETTLED
<3s
GAS PAID BY USER
$0
USERS SUPPORTED
10M+
§ 04

B2B treasury operations

International operators · multi-entity businesses

Cross-region settlement between business entities. Each region or department gets its own settlement pool with its own approval policy. Consolidate balances in the master without consolidating control.

"We have entities in the US, EU, and Singapore. Each has its own approvals and limits, but treasury sees one consolidated balance. That used to be a quarter of work for our CFO."
— CFO · Foundry GmbH

How it's wired

5 STEPS
§ 01Entity-specific settlement walletsettlement_eu
§ 02Region-specific approval policysettlement_eu
§ 03Inter-entity transfer through masterMaster
§ 04Vendor payout from regional hotvendor_payouts_us
§ 05Consolidated view in dashboardMaster

What customers see

IN PRODUCTION
NETWORKS CONSOLIDATED
5
REGIONS
US · EU · APAC
TIME TO CLOSE
Realtime
§ 05

Crypto on / off-ramp

Exchanges · trading platforms · brokerages

Accept user deposits in stablecoins, settle to USD at the bank, then mint back when withdrawals come. Reverse the flow for off-ramps. Audit-friendly, compliance-ready.

"We process $400M/month in on-ramps. The wallet stack and the compliance suite together let us cut three vendors out of our flow."
— VP Engineering · Prisma Trust

How it's wired

5 STEPS
§ 01User deposit detected on-chainuser_deposits
§ 02Swept to master, banked via partnerMaster
§ 03Compliance screening on every txnMaster
§ 04Off-ramp request signed from hotHot
§ 05Audit trail exported on SOC 2 cycleMaster

What customers see

IN PRODUCTION
MONTHLY VOLUME
$400M+
COMPLIANCE
Built in
AUDIT EXPORT
1 command
§ 06

Treasury yield management

Corporate treasury · operators with idle stablecoins

Sweep idle stablecoin reserves into yield-bearing positions across approved protocols. Maintain liquidity caps per protocol, automated rebalancing, full audit trail of every position move.

"We sit on $48M of operating reserves. Earning 4-7% across approved venues, with caps and policy. Took two days to set up — not two months."
— Treasurer · Quanta Holdings

How it's wired

5 STEPS
§ 01Master holds operating reservesMaster
§ 02Excess above threshold sweptyield_pool
§ 03Allocated across approved venuesyield_pool
§ 04Per-venue caps enforced by policyyield_pool
§ 05Auto-rebalance on rate changesyield_pool

What customers see

IN PRODUCTION
TYPICAL APY
4 – 7%
ALLOCATION POLICY
Configurable
AUDIT LOG
Every move

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