Embedded stablecoin rails

Bearings™

Every road into stablecoins
ends in somebody else's app.

Except 7T World's. Bearings puts stablecoins inside your digital banking platform — the one your customers already use — under your brand and your economics. You modernize. The relationship stays yours.

See Bearings

Modernize without giving up the customer

You already have the relationship and the trust that comes with it. Modernizing into stablecoins should not cost you either. Bearings adds the capability inside the channel your customer already opens — so the experience gets better while the ownership stays exactly where it is. Bearings keeps the stablecoin experience — and the customer — inside your bank, under your brand.

Inside the banking they already use

Customers hold, send, and receive stablecoins in your digital banking platform — under your brand, your controls, your compliance foundation. Nobody gets handed to another exchange or digital asset provider.

Screening on the payment path, before money moves

KYC/KYB, AML and sanctions screening, wallet verification, and travel-rule checks run inline on every transaction. Not a batch review after the fact.

Deployed on your infrastructure

Your domain, your stack, your jurisdiction-specific policy and thresholds. No third-party hosting dependency sitting between you and your customer.

How a deployment starts

The launch is the easy part. We build for the exam that comes after.

Every Bearings deployment opens with advisory — your infrastructure, your risk and compliance posture, your vendors, and what your charter and jurisdiction will actually bear. The architecture gets built to that, not to a generic use case.

You could build this in-house. But the specialists you would assemble hand you pieces in isolation, not a cohesive whole — and stitching them together is a project of its own: evaluation, contracting, integration, and an engineering queue that is often twelve months out, behind an internal fight for priority. 7T World has already done that heavy lifting. The stack is vendor-agnostic, evaluated, selected, and integrated — largely pre-built, then customized to your institution, white-labeled and injected into your existing digital banking platform through APIs. You get the capability without the political queue or the drain on internal resources.

And it is done by people who have been on the other side of the exam. We understand every side of the financial industry because we've worked every side of it — as the regulator, the enforcement attorney, the compliance and risk officer, the operations lead, the engineer, and the founder. Bearings is compliance-native by design, which is what lets a deployment survive your risk committee.

The use case live today

Pay by Stablecoin

Stablecoin settlement, offered through your own digital banking platform. Card-network economics work for some flows and fail others — that's a property of the rail, not a judgment about the business standing on it. Where the rail fails, this is the alternative you can offer without handing your customer to anyone else.

A stablecoin is borderless by design. It settles wallet to wallet, anywhere the recipient holds one — you stay native, they handle their own local off-ramp, and no correspondent chain lifts a fee at every hop. For a business paying a supplier across a border, that's days and a chain of correspondent banks removed from the payment.

How a payment settles

1

Initiation

Payment starts in your digital banking channel, checkout, or API.

2

Compliance check

KYC/KYB, AML, sanctions, wallet verification, and travel-rule discipline — inline, before funds move.

3

Asset and liquidity validation

Permissibility, classification, liquidity, and gas availability where applicable.

4

Settlement

Settlement in seconds to minutes, anywhere in the world, wallet to wallet — with transparent, verifiable, immutable evidence recorded on the blockchain.

5

Evidence

The transaction record and its compliance documentation are written as it settles, not reconstructed before an exam.

Traditional rails vs. Bearings

Every major US payment rail — plus cards and SWIFT — compared on what an institution actually cares about: cost, speed, availability, reach, finality, and what the institution keeps.

● leads this dimension ◆ depends on your use case

Dimension	ACH	Same-Day ACH	RTP	FedNow	Fedwire	SWIFT	Payment cards	Bearings
Cost structure	● A few cents per transaction¹	Cents, plus a 5.2¢ same-day surcharge¹	$0.045 flat, no monthly minimum²	$0.045 + $25/mo per routing number³	About $0.97 per transfer⁴	$15–$50+ per wire, plus intermediary lifting fees & FX spread⁵	About 1.57% of every $100 accepted — $187.2B in US merchant fees in 2024; the effective rate varies widely by card type and merchant category⁶	A configurable network settlement fee the FI sets
Settlement speed	1–2 business days¹	Same business day (3 windows)¹	● Seconds²	● Seconds³	Immediate & final once sent — Fedwire hours only; send timing varies by FI⁴	Hours to days; most gpi wires under 24h⁵	Auth instant; merchant funded in 1–3 business days⁶	● Seconds to minutes
Settlement availability	Banking days, business hours¹	Banking days, 3 daily windows¹	● 24/7/365²	● 24/7/365³	22 hrs/day, Mon–Fri (excl. holidays); 22×6 by 2028–29⁴	Messaging 24/7; settlement bound to correspondent-bank hours⁵	Authorization 24/7; settlement on banking days⁶	● 24/7/365
Cross-border	Limited (Global ACH / IAT via correspondents)¹	Domestic US¹	Domestic US only²	Domestic US only³	US-domestic; settles the US leg of an international wire⁴	◆ Global reach — the incumbent, via the correspondent chain⁵	Global, with cross-border + FX fees⁶	◆ Borderless, wallet-to-wallet — collapses the correspondent chain⁷
Finality & evidence	Reversible; returns up to 60 days (consumer)¹	Reversible; return windows apply¹	● Irrevocable, credit-push²	● Irrevocable³	● Immediate, final, irrevocable⁴	Final on settlement; multi-intermediary, historically opaque⁵	Not final — chargeback-exposed⁶	● Final at settlement, with transparent, verifiable, immutable on-chain evidence
Net to the FI	FI keeps the (small) fee it sets¹	FI keeps the fee it sets¹	FI keeps the fee it sets²	FI keeps the fee it sets³	FI keeps the wire fee it sets⁴	Fees shared down the correspondent chain; the FX spread is often the biggest cost⁵	The interchange — the largest fee — flows to the buyer's issuing bank and the networks, not the merchant's FI⁸	● The FI sets the pricing and keeps the economics — no third party takes a cut

Figures reflect published network fees and rules as of July 2026 and are point-in-time; card figures are US market-wide averages (Nilson Report). Bearings economics are configured per institution.

Fit

What your charter will bear is the whole question.

No two institutions get the same answer here, and the difference is not size — it is what you are. A bank answers to the FDIC, the OCC, or the Federal Reserve by charter, and its stablecoin posture is a conversation with its primary regulator. A credit union answers to the NCUA, within its field of membership. An MSB answers to FinCEN and its state money-transmitter licensors. A fintech answers for the bank partnered behind it — and that bank's risk committee is the one that has to be satisfied.

Bearings is built to be shaped to that, not sold around it. The advisory that opens every deployment exists precisely because the right architecture for a $400 million community bank and a $30 billion regional are not the same architecture.

Stop handing your customer to somebody else's app.

See it working

See stablecoin send and receive running inside a digital banking platform — under the bank's brand, with the compliance path visible underneath it.

See a demo

Weighing build vs. buy

Bring your charter, your stack, and your risk posture, and you'll get a read on what Bearings does today, what fits your institution, and what your charter will bear — from a founder, not a sales rep. The value is the read, whether or not you build with us.

Get an honest read

Every road into stablecoinsends in somebody else's app.