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Universal Payment Infrastructure

The revolutionary aspect of payment intents is their universal compatibility. One signed intent becomes a payment method that works across every interface - from physical NFC cards to messaging apps to DeFi protocols.

The Magic

Sign once, pay everywhere. One intent works across NFC cards, text messages, QR codes, apps, and direct blockchain transactions.

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Interface Categories

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Physical World Integration

NFC Tap-to-Pay Cards

Program intent onto physical NFC cards for tap-to-pay at any merchant

QR Code Payments

Generate QR codes containing payment intents for instant scanning
NFC Card Features:
  • Works at existing NFC terminals without merchant integration
  • Instant USDC settlement to merchant’s preferred chain
  • Perfect for global travel, employee cards, gift cards
  • No internet required for initial tap (settles later)
QR Code Features:
  • Works for both in-person and remote payments
  • Mobile-optimized payment flow with wallet-free claiming
  • Ideal for restaurants, retail, and peer-to-peer transfers
  • Shareable via any messaging platform

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Digital World Integration

Messaging Payments

Send payment intents via SMS, WhatsApp, Telegram, email

Seamless App Integration

One-click checkout in mobile apps and websites
Messaging Features:
  • Recipients claim stablecoins without crypto wallets
  • Support for 150+ countries with local phone verification
  • Transform remittances and peer-to-peer payments
  • Works with any messaging platform or email system
App Integration Features:
  • Accept stablecoins from users on any blockchain
  • Reduce cart abandonment with simplified payment flow
  • Perfect for e-commerce, subscriptions, in-app purchases
  • No wallet connection required for users

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Universal Payment Gateway for Apps & DApps

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Multi-Chain Payment Acceptance

Apps integrating Stableyard instantly accept stablecoin payments from users on any supported blockchain while receiving settlements on their preferred network. 
// Accept from any chain, receive on your preferred chain
const payment = await stableyard.createCheckout({
  amount: 99.99,
  acceptFrom: 'all_chains',        // Users pay from any blockchain
  settleTo: 'arbitrum',            // You receive USDC on Arbitrum
  contractIntegration: {           // Optional: Direct protocol integration
    yourContract: '0xYourProtocol...',
    autoDeposit: true,             // Auto-deposit to your protocol
    function: 'depositForUser'     // Your contract function to call
  }
});

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Benefits for Your Protocol

User Exposure

All Stableyard users can interact with your platform seamlessly

Higher TVL

Accept deposits from users on any blockchain

Better UX

Users don’t need to bridge tokens to use your protocol

Instant Liquidity

Receive token deposits immediately

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Vault Credit System

Apps can choose to accept Stableyard vault credits instead of requiring onchain USDC transfers: 
// Accept vault credits for premium features
const vaultPayment = await stableyard.createVaultPayment({
  amount: 29.99,
  acceptVaultCredits: true,        // Accept from user's vault balance
  instantExecution: true,          // No blockchain transaction needed
  serviceTier: 'premium'
});
Advantages:
  • Instant payments: No blockchain confirmation delays
  • Zero gas costs: Users pay without transaction fees
  • Higher conversion: Eliminate wallet friction
  • Global reach: Accept from users worldwide instantly

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Programmable Gift Cards

Create sophisticated gift card systems with spending restrictions and expiration dates. 
{
  "user": "0xGifter...",
  "amount": null,
  "maxTotal": 150,
  "validUntil": 1735689600,
  "restrictions": {
    "categories": ["food", "beverage"],
    "merchants": ["0xRestaurantChain..."],
    "timeWindows": ["11:00-22:00"]
  },
  "label": "Restaurant gift card"
}
Distribution Channels:
  • Retail distribution through existing gift card networks
  • Corporate gifting and customer loyalty programs
  • Event promotions and marketing campaigns
  • Digital delivery via email or messaging

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Interface Usage Examples

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NFC Card Payment Flow

1

Card Programming

User creates spending intent and programs it onto NFC card
2

Merchant Interaction

Customer taps card at any NFC-enabled payment terminal
3

Intent Processing

Terminal reads intent, sends to Gasyard for processing
4

Instant Settlement

Merchant receives USDC on their preferred blockchain in seconds

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Messaging Payment Flow

1

Intent Creation

Sender creates payment intent with recipient information
2

Message Delivery

Intent sent via SMS, WhatsApp, Telegram, or email
3

Recipient Claiming

Recipient clicks link, verifies identity (phone/email)
4

Instant Receive

Funds deposited to recipient’s chosen wallet or offramp

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QR Code Payment Flow

1

QR Generation

Merchant or user generates QR code containing payment intent
2

Customer Scan

Customer scans QR code with any smartphone camera
3

Payment Confirmation

Customer confirms payment amount and execution
4

Instant Settlement

Payment processed and settled on merchant’s preferred chain

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Real-World Integration Examples

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Coffee Shop Chain

const coffeePayment = await stableyard.createMerchantPayment({
  merchantId: 'starbucks_store_001',
  amount: 4.50,
  acceptFrom: ['ethereum', 'base', 'arbitrum'],
  settleTo: 'base',
  interfaces: ['nfc', 'qr', 'app'],
  metadata: {
    product: 'Grande Latte',
    location: 'NYC 5th Ave'
  }
});

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E-commerce Integration

const checkoutPayment = await stableyard.createCheckout({
  orderId: 'order_12345',
  amount: 299.99,
  currency: 'USD',
  acceptFrom: 'all_chains',
  settleTo: 'polygon',
  successUrl: 'https://store.com/success',
  cancelUrl: 'https://store.com/cancel'
});

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Subscription Service

const subscription = await stableyard.createSubscription({
  amount: 9.99,
  frequency: 'monthly',
  duration: 12, // 12 months
  acceptFrom: 'all_chains',
  settleTo: 'base',
  autoRenew: true,
  serviceTier: 'premium'
});

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Benefits by Interface Type

Physical (NFC/QR)

  • Works with existing payment infrastructure
  • No internet required for initial interaction
  • Perfect for travel and offline scenarios
  • Instant settlement when connection restored

Digital (Apps/Messaging)

  • Wallet-free experience for recipients
  • Global reach across 150+ countries
  • Seamless integration with existing platforms
  • Real-time notifications and confirmations
Next Step: Explore Networks & Contracts to see which blockchains are supported.