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Payment links · escrow on Stellar

USDC checkout.Escrow included.

Send your customer a payment link. They pay in USDC, the funds wait in a smart-contract escrow, and they release to you once the buyer approves. StableTrade never holds the money.

Create a payment link

Testnet preview. Funds are held by a Trustless Work contract, not by us. See where the money goes

Where your money is at every step.

One transaction, four states. Each step is signed by the right person from their own wallet.

01

Buyer

Pays the link

Pays in USDC from their own wallet. No account, no card.

02

Escrow contract

Holds the funds

The USDC waits in a smart contract while you ship. Nobody can move it alone.

03

Buyer

Confirms delivery

Approves once the order arrived as described.

04

Escrow contract

Releases to you

The USDC goes straight to your wallet. Seconds, not days.

Live preview

What your buyer sees, step by step.

The checkout shows exactly where the payment is. The status moves from paid to in escrow, approved and released, and every change is a transaction on Stellar you can check.

  1. Paid

    100.00USDC

    Payment received

  2. In escrow

    100.00USDC

    Locked until approval

  3. Approved

    100.00USDC

    Buyer confirmed

  4. Released

    100.00USDC

    Paid to the seller

PaidIn escrowApprovedReleased
ORDER #8F3A21Awaiting payment

Coffee beans, 1 kg

Ships within 2 business days

Amount

100.00USDC

Payment

100.00 USDC

Waiting for the buyer

Why not just ask for a crypto transfer?

A direct transfer gives the buyer no protection, so many of them won't pay that way. Escrow fixes that for both sides.

Card payments

Legacy

  • Buyer protection

    Chargebacks

  • Who carries the risk

    The merchant, for months

  • When you get paid

    2–3 business days

  • Fees

    Around 3% + fixed fee

Direct crypto transfer

No protection

  • Buyer protection

    None

  • Who carries the risk

    The buyer

  • When you get paid

    Seconds

  • Fees

    Network fee only

StableTrade

Escrow included

  • Buyer protection

    Funds wait in escrow until the buyer approves

  • Who carries the risk

    Neither side holds the other's money

  • When you get paid

    Right after approval and release

  • Fees

    Network fee + 1% platform fee + ~0.3% escrow fee

Fees measured on testnet: the merchant receives about 0.987 of every 1 USDC after the platform and escrow provider fees.

Optional · on & off-ramp

Want it in your bank? We'll take it there.

Your customers pay in stablecoins. If you'd rather have dollars, euros or pesos in your bank account, our team can settle it for you, or help you buy stablecoins with bank money.

  1. 01

    Escrow releases

    USDC / USDT0 in your wallet

  2. 02

    Our desk converts

    Stablecoins → USD, EUR, MXN…

  3. 03

    Bank rails

    SWIFT · SEPA · local transfer

  4. 04

    Your bank account

    Usually 1–3 business days

Off-rampMost asked

Cash out to your bank

Turn the stablecoins your customers paid into money in your bank account. Our main desk converts and pays out through regular bank rails.

Assets
USDC, USDT
Paid out by
SWIFT, SEPA or local rails
Timing
Usually 1–3 business days
You'll need
KYC or KYB, recent bank statements

Partner: Shield · OTC desk, Miami

On-ramp

Buy stablecoins with bank money

Need USDC or USDT to pay a supplier or fund a wallet? Send a bank transfer and receive stablecoins, with the source of funds documented.

Pay in with
SEPA, SWIFT or local transfer
Receive
USDC or USDT on-chain
Timing
Usually 1–3 business days
You'll need
KYC or KYB, proof of funds

Partner: Shield · OTC desk, Miami

Spend

Spend it with a card

No bank account on the receiving side? A self-custodial card lets you spend a stablecoin balance anywhere cards are accepted.

Funded with
USDC or USDT
Spend on
The Visa network
Timing
Immediate once funded
You'll need
Identity check for the card

Partner: Ether.fi · crypto card

A person on our team runs every step with you. Fees are a single per-transaction fee, agreed before anything moves. Not a live quote, and not required: your escrow payments work the same whether you cash out or not. Regional fallback in Panama and Central America through Lulubit.

Contact channel coming soon.

Start with a link.
Add the button later.

Paste the link in your store, Instagram bio or WhatsApp chat. An embeddable checkout button and store plugins are on the roadmap.

Create your first link
<a href="https://stabletrade.ai/pay/8f3a21">
  Pay 100.00 USDC
</a>