Revolutionizing B2B Payments with Stablecoins
Unlock instant, cost-effective, and global B2B transactions using the power of stablecoins.
The Problem: Traditional B2B Payments
Slow Settlements
Average delays of 30-90 days for payments.
High Costs
Transaction fees ranging from $0.25 to $40 per wire/ACH.
Risks & Delays
Significant chargeback and fraud risks, plus international FX fees.
These inefficiencies create major pain points for businesses, impacting cash flow and increasing operational overhead.
Our Solution: USDC + Polygon
We leverage USDC stablecoin on the Polygon network to provide a superior payment experienc
Transactions settle in seconds.
- Ultra-Low Fees: Just $0.01-$0.05 per transaction.
- Zero Chargeback Risk: Enhanced security and finality.
- Cross-Border Ready: Built for global transactions without FX fees.
- Familiar UX: As intuitive as Stripe or PayPal.
Real Savings & Advantages
A small business invoicing $500k/year can save over $14,000 annually by switching from credit cards to USDC via Polygon.
Market Opportunity & Tech Stack
Vast Market Potential
- U.S. B2B payment volume: $27 trillion/year
- Over $10T/year handled by SMBs.
- Digital invoicing and embedded payments are booming.
- Circle's existing partnerships (Visa, Shopify, Coinbase) ensure infrastructure readiness.
Production-Ready Tech
- Circle API: Custodial wallets, built-in compliance.
- Polygon: Fast, cheap Ethereum L2, wide adoption.
- Biconomy / Gelato: Plug-and-play gasless relayers.
- QuickBooks API: Seamless accounting automation.
Sustainable Business Model
Transaction Fees
Charge per transaction (e.g., 0.3% or flat $0.30).
Tiered SaaS
Offer Free (up to 3 invoices/month), Pro ($29/month), and Enterprise plans.
Enterprise Integrations
Premium features for QuickBooks, Zapier, and other business system integrations.
Our flexible model ensures revenue growth while providing value to businesses of all sizes.
Risks & Mitigations
We proactively address potential challenges to ensure a secure and user-friendly platform.
International Payments: Significant Savings
Traditional Costs
- SWIFT wire fees: $3,500/year
- FX spread: $12,500/year
- Intermediary bank fees: $1,500/year
- Total Yearly Cost: $17,500
USDC on Polygon Costs
- Polygon gas fee: $1/year
- Platform fee: $2,000/year
- FX spread (USDC → local fiat): $3,750/year
- Total Yearly Cost: $5,751
Achieve ~67% cheaper international payments, reducing settlement time from days to seconds.
Key Market Penetration Opportunities
Freelance & Gig Economy
Instant payouts in USDC, bypassing high fees and slow settlements.
Creative Agencies & Consulting
Cost reduction up to 70% for large cross-border invoices.
SaaS Providers & Licensing
Accept global stablecoin payments without chargeback risk.
B2B Marketplaces
Instant stablecoin-to-stablecoin payments for suppliers.
Why Choose Us Over Zelle or PayPal?
1
Global Reach
Unlike Zelle (US-only) or PayPal (high FX fees), we offer instant global settlement with fiat payouts in almost any currency.
2
Lower Fees
Operate at 0.5–1.5% all-in, significantly lower than PayPal's 7–9% for international business payments.
3
Speed & Automation
Near-instant global settlement and native invoice generation with auto-reconciliation, unlike Zelle or PayPal.
4
Higher Limits
Handle $100k+ transactions, suitable for serious B2B use, unlike Zelle ($5k/day) or PayPal (account freezes).