# Stablecoin Payments

Pay-ins, payouts, and settlement on non-custodial MPC infrastructure — with gas costs engineered out.

Vaultody gives payment processors, fintechs, and banks the infrastructure to accept, move, and
settle stablecoins across every major chain. Dedicated addresses per customer, policy-governed
approvals, batch payouts, and automated sweeps into treasury — on wallets whose keys your team
controls, never ours.

## Run stablecoin payments on infrastructure you control

Stablecoins now settle payroll, remittances, and merchant payouts — but the operational burden
lands on you: native coin on every chain, approvals that don't scale, and reconciliation across
thousands of addresses. Vaultody handles all three. Keys stay fragmented across shares your
organization owns, every transfer runs through your own policy rules, and Vaultody never touches
keys or funds.

- One balance view across every chain and address
- Every transfer verifiable, attributable, and exportable
- Your deposit addresses never need to hold gas

## Core platform capabilities

- **MPC-Based Wallet Security** — distributed key shares eliminate single points of failure.
  Vaultody never holds a complete key; your organization keeps full ownership, and no counterparty
  can move your funds. Signing happens across your shares, under policies you define.
- **Multi-Chain Stablecoin Rails** — run USDT and USDC across EVM and non-EVM networks —
  Ethereum, Polygon, Arbitrum, Base, Optimism, BNB Smart Chain, Avalanche, Solana and Tron, where
  most TRC-20 volume settles — through one API, one policy set, and one balance view. A single
  Unified EVM address covers every EVM chain.
- **Policy-Governed Approvals** — enforce roles, spending limits, approval quorums, and address
  whitelists on every payout. High-volume runs execute under controlled approvals, with an
  immutable record of who authorized what.
- **Payments-Ready REST API** — create a wallet per customer, mint addresses per chain, receive
  real-time webhooks on every deposit, and sweep balances into treasury, all from one REST API
  with SDKs and worked examples.
- **Mobile Co-Signer Approvals** — approvers authorize payouts from a mobile device with biometric
  confirmation. Key shares stay on the device: approval is a signature, not a password.

## Industry applications

- **Payment Processors & PSPs** — accept stablecoin pay-ins with a dedicated address per merchant,
  screen and attribute every deposit, and sweep into treasury automatically.
- **Cross-Border Payouts** — settle payroll, remittances, and supplier payments in minutes instead
  of days: batch runs, controlled approvals, and per-recipient attribution.
- **Banks & Fintechs** — offer stablecoin accounts and settlement on non-custodial infrastructure
  that satisfies internal governance and audit requirements.

## How Vaultody works

Every private key is fragmented across shares held in HSM-grade isolation. Payouts and sweeps
execute only under your organization's policy rules — Vaultody never touches keys or funds. The
result is high-volume settlement with no single point of failure and no custodial counterparty.

## FAQ

**Do our deposit addresses need to hold native coin for gas?**
No. On supported EVM chains, Vaultody uses EIP-7702 delegation, so an address with zero native
balance can still send — gas is covered by a sponsor you fund once, not per address. On Tron,
Vaultody's Fee Optimization removes the TRX burn on TRC-20 transfers, so deposit addresses never
need to hold TRX. You fund one balance instead of managing native coin across thousands of
addresses.

**Which chains and stablecoins are supported?**
USDT, USDC and other major stablecoins across EVM and non-EVM networks, including Tron, Solana,
Bitcoin and XRP Ledger. Every chain runs through the same API, the same policy set, and one
balance view, and a single Unified EVM address covers all EVM networks. See the full, current
list under [Integrations → Blockchains](/integrations/protocols).

**Is Vaultody a custodian?**
No. Vaultody is non-custodial. Private keys are fragmented into shares using MPC, and Vaultody
never holds a complete key or the ability to move your funds on its own. Your organization signs,
under policies your organization sets.

## Related

- [Organization Wallets](/solutions/organization-wallets)
- [Treasury Management](/solutions/treasury-management)
- [Wallet as a Service](/solutions/wallet-as-a-service)
- [Vaultody MPC](/multi-party-computation)