Stablecoin Payment Infrastructure Development
Cross-border settlement on USDC and other stablecoin rails, built by the team behind a production network that has processed $100M+ across 100,000+ transactions with roughly 5-second settlement.
Stablecoin payment systems we build
We build the full stack of stablecoin payments: cross-border settlement networks, USDC payment rails, merchant checkout, consumer remittances, and fiat on/off ramps. Every system we describe here moves real money in production. Our flagship settlement network has processed over $100M across 100,000+ transactions, settling in roughly five seconds where correspondent banking takes days.
That range covers the whole lifecycle of a stablecoin payment. We have shipped a merchant checkout that has processed $4M+ in stablecoin volume, a USA-to-LATAM remittance product with a flat $1.99 fee and sub-3-minute onboarding, and a USDC on/off ramp with roughly 60-second processing for a regulated LATAM business neobank. Different products, same discipline: correctness first, speed second, and both proven in production.
Ledger-first architecture for money movement
The chain is the easy part. The hard part is everything around it: a double-entry ledger that is the source of truth, idempotent payment orchestration so retries never double-spend, and reconciliation that continuously proves your ledger matches on-chain reality and your banking partners. We design that core first and treat blockchains as settlement venues behind an abstraction, so adding a chain or an asset is configuration work, not a rewrite.
Compliance is designed in rather than bolted on. KYC and KYB, sanctions screening, and audit trails sit at the boundaries of the payment flow, so your compliance team gets complete records without slowing settlement. The result is infrastructure that a regulator, an auditor, and an on-call engineer can each reason about.
We also assume partners fail. RPC nodes lag, banking APIs time out, and liquidity providers reject orders at the worst moment. Our rails are built around explicit state machines, dead-letter queues, and operator tooling, so a stuck payment is a queue item with a runbook rather than an incident channel at 2 a.m.
Why teams pick CodeDecoders for stablecoin rails
Proof, mostly. Our flagship cross-border settlement system went from concept to production in three weeks and has since processed $100M+ with roughly 5-second settlement. We also built the operations platform behind an OTC desk that has tracked $3.4B+ across 20,000+ trades, so we understand the treasury and liquidity side of stablecoin flows, not just the API surface.
We are a small senior team in Ahmedabad, India, working together since 2021, and we work directly with founders and engineering leads. No account managers, no hand-offs to a bench: the engineers who scope your system are the ones who build and operate it. That is why we can quote in weeks rather than quarters.
Engagement model and timelines
Most stablecoin projects start as a fixed-scope build: we agree on the payment corridors, assets, and compliance requirements, then ship a production pilot, typically in three to eight weeks depending on scope. You get the code, the infrastructure, and the runbooks. There is no lock-in by design.
After launch, most clients keep us on a monthly retainer for new corridors, chain integrations, and scale work. Others hand the system to their in-house team with a documented handover and operational runbooks. Both work, because the system is built from the start to be operated by whoever comes next.
Chains & assets
Backend & data
Compliance & custody
Infrastructure
Case studies from this practice
Cross-Border Stablecoin Settlement Network
A cross-border settlement system that moves money in roughly five seconds over stablecoin rails, with automated on- and off-ramps at each end. Concept to live production in three weeks, then scaled through nine-figure volume without a rebuild.
Consumer Remittances, USA to Latin America
A consumer remittance product moving money from the USA to Latin America for a flat $1.99 per transfer — onboarding in under three minutes, delivery in minutes to a bank account or WhatsApp. Live in production with a licensed US money-transmitter partner.
Merchant Checkout on Stablecoin Rails
Stablecoin-powered merchant checkout with hosted payment flows and payment links, settling over the same rails as the firm’s settlement network into each merchant’s preferred currency. More than $4M processed since launch.
Common questions
How much does it cost to build stablecoin payment infrastructure?+
It depends on corridors, assets, and compliance scope. A focused production pilot with one corridor, one or two assets, and a core ledger with reconciliation is a few weeks of senior engineering work, and we quote a fixed price after a scoping call. Larger multi-corridor networks with treasury and compliance tooling are phased, so you only pay for what ships.
How long does it take to launch stablecoin payment rails?+
Our flagship settlement system went from concept to production in three weeks. That is the fast end; a realistic range for most builds is three to eight weeks to a production pilot, with corridors and features added iteratively after launch. Timelines usually depend on partner onboarding with banking, liquidity, and KYC providers rather than on the code.
Do you handle licensing and regulatory compliance?+
We are engineers, not a law firm, so we do not provide legal advice or hold licenses on your behalf. We do build the compliance machinery: KYC and KYB integration, sanctions screening, audit trails, and reporting. We have delivered systems under real regulatory regimes, including a nationally licensed tokenization platform in El Salvador and money movement for a regulated LATAM neobank.
Which chains and stablecoins do you support?+
USDC and USDT on the major EVM chains such as Base, Ethereum, Polygon, and Arbitrum, plus Solana and Tron where a corridor demands them. Our architecture treats chains as pluggable settlement venues, so adding one later is incremental work rather than a rebuild.
Can you work with our existing banking and custody partners?+
Yes. We integrate with your existing custodians, banking APIs, and liquidity providers rather than forcing a stack change; past builds have integrated PrimeVault custody and Sumsub KYB among others. If you are still choosing partners, we can share what has worked in production and help you evaluate options.
Building stablecoin payments? Let's scope it.
We scope engagements in days, not weeks. Send a few lines about your project and we respond within 24 hours.
Let's build something extraordinary together.
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info@codedecoders.io