Path 03 · Fintechs
Open specifications, a working reference implementation, and an acquiring model that lets you earn on every payment you originate — without building or owning the core infrastructure.
Integrate against an open specification. Your product sits on top of any conformant Operator — no bilateral infrastructure deal required.
Register as an Acquirer. Every payment your product originates credits your fee share automaticatlly and instantly on-chain — no monthly invoice, no reconciliation cycle.
One integration, multiple Operators. Switch or add Operators without rebuilding your product layer.
What you can build
The Fabric standard opens up product categories that proprietary payment rails either can't serve or actively prevent. These are not hypothetical — each maps directly to a defined specification or business model.
CPP-001 · CashPack
A wallet that issues disposable keys for each transaction, giving users cash-like privacy for digital payments. Intermediate transfers are invisible to the Operator. Only the endpoints are recorded.
CashPack core concepts →SS-001 · Stablecoin Stack
Embed stablecoin payment acceptance in any e-commerce or SaaS product. Payers sign authorisations off-chain — no gas token, no wallet setup friction. Settlement is on-chain and near-instant.
SS-001 specification →CPP-001 · Business Models
Issue transferable cash-denomination gift instruments at scale. Recipients can regift, split, or redeem freely. Earn on issuance and float — in a $242B market where existing products are locked to fixed merchants.
Business models →CPP-001 · Novel
Let employers pre-fund payroll advances that workers can access without the transaction appearing in employer logs. Workers choose when and how — the employer sees only aggregate utilisation.
See the model →SS-001 · Acquiring model
Register your wallet as an Acquirer on a Stablecoin Stack processor. Every payment your users make automatically credits your commission wallet — no billing, no monthly settlement, no trust arrangement with the processor.
Acquiring model →MPC-001
Offer disposable Ed25519 key generation and signing as a managed service. Keys are generated in distributed MPC nodes — the private scalar never exists assembled on any single machine.
MPC-001 specification →The acquiring model
The Stablecoin Stack has a first-class acquiring model built into the Settlement Contract. Register once, on-chain. Your fee share is enforced automatically — no bilateral agreement, no monthly invoice, no trust required.
In traditional card networks, acquirers earn a share of interchange through a bilateral commercial arrangement with the processor. The payment network settles their share on a monthly cycle and can change the terms unilaterally.
In the Stablecoin Stack, your Acquirer ID is registered on the Settlement Contract. Every payment that includes your ID distributes your fee share atomically, in the same transaction, with no intermediary to reconcile against. Your percentage is immutably recorded on-chain at registration — the Operator cannot change it unilaterally.
Pay the one-time registration fee to the Settlement Contract. Your wallet address is assigned a unique Acquirer ID. The registration is permanent and permissionless.
Include your 16-byte Acquirer ID in the
ref field of every payment your product originates. This is a single field
in the signed payload — no API changes on the Operator side.
The Settlement Contract distributes your acquiring
fee atomically with every qualifying payment. A CommissionGenerated event
is emitted on-chain. You withdraw from your internal balance at any time.
Opt in to the Basic Data Service registry and your Acquirer profile becomes visible to wallet apps — letting payers choose your service based on fee rates or reputation.
How to integrate
Every specification ships with a working reference implementation. You can run the CashPack Operator locally in minutes and test the full payment lifecycle — issue, renew, redeem — before writing a line of integration code.
Integrate against a CPP-001-conformant Operator using the REST API. Issue instruments, manage the renewal chain, and redeem — all over signed JSON with Ed25519 and RFC 8785 canonical serialisation.
Connect your wallet or checkout product to a conformant Stablecoin Stack processor via the wallet-gateway WebSocket interface. Per-message ECDSA authentication, real-time submission status, balance subscriptions.
The specifications are live, the reference implementation runs, and the community is open. No gatekeeping.