The rulebook for stablecoin payments
Every stablecoin payment is final.
Not every mistake should be.
Charts is 7T World's operating rulebook for stablecoin payments — the returns, disputes, and consumer-protection layer those payments lack today. It gives an otherwise irreversible rail a governed way to handle the error, the fraud, and the dispute.
See ChartsA stablecoin payment settles in seconds — and cannot be pulled back.
Every durable payment rail carries two layers: the settlement that moves the money, and the operating rulebook that governs what happens when a payment is wrong — the returns, the disputes, the chargebacks, the consumer protections. Cards and account rails have both. Stablecoin payments have the first and not the second. When a payment is fraudulent, mistaken, or contested, there is no agreed way to make it right.
Charts is that missing second layer, built for institutions bringing stablecoin payments to their customers. The settlement stays final; Charts adds the rulebook — a governed path for the refund, the dispute, and the protection window — on top of it.
The gap is not theoretical, and it is not a matter of opinion. On the rails your customers already use, the consumer's right to be made whole is written into law with a clock attached: under Regulation E, a consumer has 60 days from the statement to assert an error, and the institution must investigate — generally within 10 business days, or provisionally credit the account and take up to 45. Your customer does not know that those protections stop at the edge of a stablecoin payment. They will call you either way.
— Regulation E, 12 CFR § 1005.11Two ways a stablecoin payment can go wrong. Only one has a way back.
The difference is not the speed of the rail. It is whether a wrong payment meets an agreed process — or a dead end.
With the Charts rulebook
- Standardized return and dispute codes — a shared language for what went wrong
- Smart-contract escrow and clawback that can hold or reverse under the rules
- Provisional credit while a dispute is worked, so the customer is not left waiting
- Multi-signature dispute arbitration — a documented, reviewable resolution
- A record an examiner can read as a process, not a one-off act of goodwill
Without a rulebook
- Every payment is final the instant it clears
- Disputes handled ad hoc, relationship by relationship
- No provisional credit and no agreed timeframes
- The customer's only recourse is the recipient's goodwill
- Nothing an examiner can read as a repeatable process
One product, three pillars.
The software that enforces the rulebook, the advisory that stands your program up, and the education that brings your customers along — each load-bearing, and the education licensable on its own.
The platform
A returns and disputes engine, enforced in software.
A standardized rulebook of return and dispute scenarios, carried by smart-contract escrow and clawback, dual-balance wallets that can hold a provisional credit, and multi-signature dispute arbitration — with the monitoring and audit trail around it.
The enablement
The advisory that stands the program up.
7T works with your team to author your own returns and disputes policy, coordinate independent smart-contract audits, integrate the rulebook with your AML and sanctions screening and your governance, and build the operational resilience around it.
The education
White-label member education, in your brand.
A library that teaches your customers what is and isn't reversible, what they authorize, how protection windows work, and how to raise a dispute — as web, PDF, email, and video, in English and Spanish, and licensable on its own.
What the rulebook enforces
A standardized set of return and dispute scenarios, carried in software — escrow, provisional credit, arbitration, monitoring, and the record around them.
Where this leads
A rulebook meant to reach past one institution.
A dispute standard only works if everyone reads it the same way. Charts is grounded in a published framework — The Operator's Rulebook — and a formal proposal into the payments-standards process, with the aim of a shared industry standard for stablecoin returns and disputes rather than one institution's private format.
That is the direction, not a claim that the standard is settled. What Charts does is give your institution a governed, documented way to handle a wrong payment today — built on a foundation the rest of the industry can one day share.
How a deployment starts
A dispute process is only as good as what your examiner will accept.
Every Charts deployment opens with advisory — your compliance program, your consumer-protection obligations, your smart-contract risk posture, and what your regulators will accept as a fair, documented way to resolve a disputed payment. The rulebook gets built to that, not to a generic use case.
It runs under your controls and your policy, and it is done by people who have been on the other side of the exam — as the regulator, the compliance and risk officer, the payments operator, the smart-contract engineer, and the founder. A resolution path an examiner can read is the difference between protecting your customers and creating a finding.
Every stablecoin payment is final. Not every mistake should be.
See it working
Walk a wrong payment through the rulebook end to end — the claim, the escrow, the provisional credit, the arbitration, and the record each step leaves behind.
See a demoAlready planning a launch
Bring the stablecoin payments you are planning and the disputes you have no agreed way to resolve, and you'll get a read on what Charts does, what fits your institution, and what your regulators will accept — from a founder, not a sales rep. The value is the read, whether or not you build with us.
Get an honest readFit
Whose consumer-protection obligations are you answering for?
The dispute question lands differently depending on what you are. A bank answers to the FDIC, the OCC, or the Federal Reserve by charter — and to the consumer-protection regime it already runs the card and account rails under. A credit union answers to the NCUA, and to members who expect a share account to behave like one. Charts is built for US-chartered banks and federally insured credit unions bringing stablecoin payments to their customers, on top of an existing, mature BSA/AML program.
Charts is built to be shaped to that. The advisory that opens every deployment starts from your consumer-protection obligations, not from a generic dispute template.
Charts are what let a navigator commit to a course — the shared record of where the hazards are, drawn the same way for every vessel, so no one has to find the rocks themselves. A payment rail needs the same. Set your course →
7T World · Charts
Global Innovation, Anchored in Trust.
Charts is part of 7T World's Payments Modernization family — compliance-native by design, and composable with the rest of the portfolio when you want it. No product depends on another. View all services →