Stablecoin billing, built for developers.
Non-custodial, multi-chain USDC and USDT settlement with on-chain audit trails, recurring spend permissions, and SDKs in Node, Python, Go, and Rust. Funds land in your wallet — never ours.
Sanctions screening · Audit-pack export · Non-custodial settlement
One transaction. Two wallets. Zero custody.
Your customer signs once. The payment lands 100% in your wallet, confirmed on-chain. Our fee is accrued separately, never deducted from your settlement.
All or nothing. Funds move in one step.
Non-custodial and fully on-chain.
Every chain, token, and wallet.
Same-block confirmation on-chain.
Everything you'd build yourself. Shipped, internally audited, with the roadmap labelled.
Six primitives that replace your homegrown crypto billing stack — without any of the custody, compliance, or capital requirements of a PSP. Where something is on the roadmap, we mark it.
Direct settlement, same block
Customers pay 100% into your wallet, not ours. Confirmed in seconds, never escrowed. Our fee is accrued separately and billed once a month.
Subscriptions, the way self-custody allows
Each renewal issues an invoice and emails the customer a one-click pay link. ERC-20 allowance and ERC-4337 smart-wallet autopay are on the roadmap — when shipped, you'll pick per customer.
Non-custodial by design
We never hold your funds — or your customers'. No reserves, no payout delays, no custody risk, and a much smaller regulatory surface.
Reconciliation that actually balances
Every payment with tx hash, block height, chain fee, platform fee, and customer reference — exportable in your GL's exact schema.
Webhooks that don't lie
Signed, idempotent, with exponential retries and a full delivery log. If your API takes a breath, ours waits.
One API across four EVM chains
USDC on Base, Ethereum, Polygon, and Arbitrum. Solana (USDC) and Tron (USDT) are API-ready (wallet verification + ingest); hosted checkout for both ships next.
Look around. Every surface is this considered.
Click through the surfaces your team, your customers, and your accountants will touch. No static screenshots — these are the actual components that ship.
A boring, well-shaped REST API — non-custodial, on-chain, and global.
Conventional resource model, idempotency keys on every mutation, HMAC-signed webhooks with replay protection, typed SDKs in four languages. Plus the on-chain pieces a regulated merchant needs: chains, tokens, wallet authorization, sanctions screening, and a regulator-readable audit pack.
- Typed SDKs in Node, Python, Go, and Rust
- Signed webhooks with idempotency keys
- Isolated test mode — same endpoints, sk_test_ keys
- OpenAPI 3.1 spec and hosted dashboard
import { OpenSettle } from "@opensettle/sdk";
const os = new OpenSettle({
apiKey: process.env.OPENSETTLE_API_KEY!,
workspaceId: process.env.OPENSETTLE_WORKSPACE_ID!,
});
// Hosted subscription checkout — buyer pays in USDC on Base
const checkout = await os.checkouts.create({
mode: "subscription",
customerEmail: "buyer@example.com",
priceId: "price_01jt…",
chain: "base",
token: "USDC",
successUrl: "https://your-domain.com/billing?ok=1",
cancelUrl: "https://your-domain.com/billing?ok=0",
metadata: { userId: "usr_123", planId: "pro" },
});
// Redirect the buyer — webhook (subscription.created) is the source of truth
return Response.redirect(`https://opensettle.io${checkout.hostedUrl}`, 303);The card-on-file problem, solved three ways.
Crypto wallets don't auto-charge like cards. So we built the whole spectrum — meet every customer where their wallet is, and stop losing renewals.
Invoice & pay
Each renewal issues an invoice and emails the customer a one-click pay link. One click, one signature, renewed. Works on every wallet on every chain.
ERC-20 allowance
Customer approves a spending cap once. We pull the monthly charge automatically on renewal — revocable any time. The card-on-file of crypto.
Smart-wallet autopay
Session keys with time and spend caps. Completely hands-off for the customer, ERC-4337 native. Ready when your customers are.
Every other billing tool, and what they can't do.
The kind of comparison we'd run before we bought something. Honest, side-by-side, without hiding the tradeoffs.
| Capability | OpenSettle | Stripe | Coinbase Commerce | Wise Business |
|---|---|---|---|---|
| Non-custodial settlement | Yes | No | No | No |
| Direct-to-wallet payouts | Yes | No | No | No |
| Multi-chain on one API | Yes | No | Yes | No |
| Recurring stablecoin subscriptions | Limited | Limited | No | No |
| Chargebacks | None | Yes | None | None |
| Settlement time | On-chain (seconds) | 2–7 days | On-chain (seconds) | 1–2 business days |
| Reserves or holdbacks | No | Yes | No | No |
| KYC on end customers | No | Limited | No | Yes |
| Regulatory footprint | Software | Money transmitter | MSB | EMI / MSB |
| Fees | 1% → 0.65% | 2.9% + 30¢ | 1% flat | 0.5–1% + FX |
| Card acceptance | No | Yes | No | Yes |
| Tax automation | No | Yes | No | No |
| SOC 2 attestation | Exploratory · gated by milestone | Published | Published | Published |
| Typed SDK languages | Node · Python · Go · Rust | 7 languages | 3 languages | 3 languages |
- Non-custodial settlement
- Yes
- Direct-to-wallet payouts
- Yes
- Multi-chain on one API
- Yes
- Recurring stablecoin subscriptions
- Limited
- Chargebacks
- None
- Settlement time
- On-chain (seconds)
- Reserves or holdbacks
- No
- KYC on end customers
- No
- Regulatory footprint
- Software
- Fees
- 1% → 0.65%
- Card acceptance
- No
- Tax automation
- No
- SOC 2 attestation
- Exploratory · gated by milestone
- Typed SDK languages
- Node · Python · Go · Rust
- Non-custodial settlement
- No
- Direct-to-wallet payouts
- No
- Multi-chain on one API
- No
- Recurring stablecoin subscriptions
- Limited
- Chargebacks
- Yes
- Settlement time
- 2–7 days
- Reserves or holdbacks
- Yes
- KYC on end customers
- Limited
- Regulatory footprint
- Money transmitter
- Fees
- 2.9% + 30¢
- Card acceptance
- Yes
- Tax automation
- Yes
- SOC 2 attestation
- Published
- Typed SDK languages
- 7 languages
- Non-custodial settlement
- No
- Direct-to-wallet payouts
- No
- Multi-chain on one API
- Yes
- Recurring stablecoin subscriptions
- No
- Chargebacks
- None
- Settlement time
- On-chain (seconds)
- Reserves or holdbacks
- No
- KYC on end customers
- No
- Regulatory footprint
- MSB
- Fees
- 1% flat
- Card acceptance
- No
- Tax automation
- No
- SOC 2 attestation
- Published
- Typed SDK languages
- 3 languages
- Non-custodial settlement
- No
- Direct-to-wallet payouts
- No
- Multi-chain on one API
- No
- Recurring stablecoin subscriptions
- No
- Chargebacks
- None
- Settlement time
- 1–2 business days
- Reserves or holdbacks
- No
- KYC on end customers
- Yes
- Regulatory footprint
- EMI / MSB
- Fees
- 0.5–1% + FX
- Card acceptance
- Yes
- Tax automation
- No
- SOC 2 attestation
- Published
- Typed SDK languages
- 3 languages
Volume pricing. No reserves. No payout delay.
A cascading rate on monthly volume — 1% to start, dropping to 0.85% then 0.65% as you grow — accrued per payment and billed monthly. There is no setup fee, no monthly minimum, no subscription. Higher-volume customers can write to sales for a scoped contract.
- All supported chains
- Hosted checkout + SDKs
- Sanctions screening
- Audit-pack export
We're the infrastructure layer — not the bank.
OpenSettle is deliberately structured as a software platform — not a payment processor. The difference shows up in every part of your experience, from day-one onboarding to the legal review your counsel will run.
We don't hold your money.
OpenSettle is not a custodian, money transmitter, or exchange. Your customers pay directly to your wallet — we orchestrate the rails.
Cryptographic wallet ownership.
Every settlement wallet must sign a one-time EIP-191 / TIP-191 / Ed25519 ownership challenge before it can receive funds. In-house OFAC SDN screening runs on every inbound payment; travel-rule integration is on the roadmap.
Internal audit live, SOC 2 exploratory.
Latest internal platform audit (May 2026) available on request — email security@opensettle.io. SOC 2 Type I pursuit is gated by a post-launch commercial milestone; the engagement letter will be published when signed.
Built to reach a broad audience.
Because the architecture is non-custodial, OpenSettle does not act as a money transmitter between buyer and seller. Each merchant remains responsible for its own licensing and compliance in the jurisdictions where it operates.
The questions
every team asks.
And the ones your counsel will. Nothing buried, nothing hedged.
Start charging in stablecoins today.
Volume pricing from 1%, dropping to 0.65% at scale. No reserves, no payout delays, no custody. Funds land in your wallet — never ours.