Pay by Stablecoin
White-label stablecoin payment processing with compliance built into every transaction. Your brand, your infrastructure, your revenue — anchored by 7T World's regulatory expertise and technology.
This is a 7T World product — built by the same team that delivers advisory, injectable technology, and fractional leadership. Deployed on your infrastructure as a white-label solution, bundled with strategic advisory to ensure regulatory readiness. View all services →
The Opportunity
The GENIUS Act Is Law. The Clock Is Running.
The GENIUS Act — signed into law July 2025, effective January 2027 — creates the first federal regulatory framework for payment stablecoins. Institutions that move now lock in payment corridors, customer adoption, and operational maturity before the compliance deadline hits. Building from scratch takes 18–24 months. You have less time than that. Pay by Stablecoin gets you live in weeks — with compliance, infrastructure, and strategic advisory already built in.
Platform Capabilities
Compliance You Don't Bolt On — It's Already There
Not a crypto exchange. Not a wallet app. A compliance-first payment processing platform built by practitioners who have sat on both sides of regulatory examinations — so compliance isn't a module you add later, it's the foundation everything runs on.
White-Label Ready
Your brand, your infrastructure. A 60% pre-built core with 40% customization for your environment — deployed on your stack, under your control, with no third-party hosting dependencies.
Compliance-First Architecture
Every transaction passes through real-time compliance screening — KYC/KYB verification, AML checks, sanctions screening, wallet verification, and travel rule compliance — before a single coin moves.
Multi-Rail Fallback
If a stablecoin payment can't complete — insufficient liquidity, network congestion, gas unavailability — the system automatically falls back to traditional rails like SWIFT or RTP. No failed payments.
Intelligent Path Routing
The platform determines the optimal settlement path for each transaction: internal ledger for on-platform transfers, on-chain for external settlement, or traditional fallback when needed.
Multiple Stablecoin Support
USDC on Ethereum, USDC on Solana, and additional stablecoins as the market evolves. Asset permissibility checks ensure every transaction uses approved instruments for the jurisdiction and counterparty.
Revenue Generation, Not Cost
Stablecoin processing at 15–20 basis points versus 3–5% for traditional card processing. No interchange fees, no network markups — net-positive revenue for your institution from day one.
How It Works
Every Payment, Fully Compliant
From initiation to settlement, every transaction passes through a multi-layered compliance and routing engine — with automatic fallback to traditional rails if the stablecoin path is unavailable.
Payment Initiation
Customer or bank initiates a stablecoin payment through the bank portal, consumer checkout, or API integration.
Compliance & Risk Check
Real-time KYC/KYB, AML screening, sanctions checks, and wallet verification — all before any funds move.
Asset & Liquidity Validation
Asset permissibility check, yield/securities classification, liquidity pool verification, and gas availability (per OCC Letter 1186).
Path Determination & Settlement
Intelligent routing: internal ledger settlement, on-chain settlement, or automatic fallback to SWIFT/RTP if stablecoin path is unavailable.
Post-Trade Reporting
Full transaction record, compliance documentation, and audit trail generated automatically — examination-ready from the moment it settles.
Why Stablecoins
Traditional Rails vs. Stablecoin Settlement
The economics and capabilities are fundamentally different — and the gap widens with cross-border transactions.
| Metric | Traditional Processing | Pay by Stablecoin |
|---|---|---|
| Revenue Model | Net cost to merchant/institution | Net revenue — rev share model |
| Processing Cost | 3–5% (card interchange + network fees) | 15–20 basis points |
| Settlement Speed | 1–3 business days (card networks) | Seconds to minutes |
| Settlement Availability | Business hours (banking days only) | 24/7/365 |
| Compliance Screening | Batch processing, periodic review | Real-time, every transaction |
| Cross-Border Cost | $25–50+ per wire transfer | Same as domestic — basis points |
| Chargeback Risk | Significant (card-not-present fraud) | None — blockchain-settled, final |
| Failed Payment Handling | Manual re-routing, customer notification | Automatic fallback to SWIFT/RTP |
Who It's For
Built for Institutions That Move Money
Whether you're a bank exploring digital assets, a processor looking to reduce costs for high-risk verticals, or a fintech building the next generation of payments — the platform adapts to your use case.
Banks & Credit Unions
Offer stablecoin payment capabilities to your members and customers without building from scratch. Ideal for institutions exploring digital assets under the GENIUS Act framework, especially those with international member bases and cross-border payment corridors.
Payment Processors & Networks
Add stablecoin as a payment method across your merchant portfolio. Particularly valuable for high-risk verticals where traditional card processing fees are 3.5–10% — online gaming, CBD, telemedicine, and other specialized categories.
Fintechs & MSBs
Integrate stablecoin payment processing into your existing platform with full regulatory compliance built in. From on/off ramp capabilities to cross-border settlement, deployed to your specifications.
Cross-Border & Remittance
Replace slow, expensive correspondent banking with near-instant stablecoin settlement. Multi-currency support (USD, EUR, GBP and more) with automatic compliance screening across jurisdictions.
See It in Action
Explore a live preview of the Pay by Stablecoin platform — from the bank operations dashboard to consumer checkout. Click through the tabs to see how payments flow through compliance, routing, and settlement.
Engagement Model
Strategic Advisory First. Then We Build.
We don't just hand you software. Every Pay by Stablecoin deployment starts with a strategic assessment — evaluating your infrastructure, compliance posture, vendor landscape, and regulatory environment — so the platform is configured for your reality, not a generic use case.
Strategic Assessment
Infrastructure audit, compliance gap analysis, vendor ecosystem mapping, and regulatory readiness evaluation for your jurisdiction and product set.
Build & Integration
Platform customization, vendor integrations (KYC/KYB, screening, wallet provisioning, monitoring), API connections to your existing stack, and compliance module configuration.
Deploy & Support
Deployed on your infrastructure under your brand. Ongoing compliance monitoring, regulatory updates, and platform evolution as the stablecoin landscape matures.
Ready to Offer Stablecoin Payments?
Whether you're exploring digital asset strategy or ready to deploy stablecoin payment capabilities — we have a path for you.
Schedule a Consultation
Talk with a 7T World principal about your institution's readiness for stablecoin payments — including regulatory positioning, infrastructure requirements, and revenue opportunity.
- ✓ Stablecoin readiness assessment
- ✓ Regulatory landscape for your charter type
- ✓ Revenue model and cost comparison
- ✓ Personalized platform walkthrough
Explore the Interactive Demo
See the full payment flow in action — from initiation through compliance screening, path routing, settlement, and post-trade reporting. Simulate different scenarios including compliance rejections and network fallbacks.
- ✓ Interactive payment flow simulation
- ✓ Bank customer portal preview
- ✓ Consumer checkout experience
- ✓ Multiple scenario testing