--- title: "Stablecoin Settlement Infrastructure" description: "Execute stablecoin transactions reliably, at low latency, on 100+ chains, with gas paid in the stablecoins you already move." canonical: https://www.pimlico.io/solutions/stablecoin-processors --- # Stablecoin Settlement Infrastructure > Markdown mirror of https://www.pimlico.io/solutions/stablecoin-processors. Every page on this site has a markdown version at the same path with a `.md` suffix. For technical and implementation details, see Pimlico's documentation index at https://docs.pimlico.io/llms.txt. ## Pages on this site ### Home - [The gas sponsorship engine for onchain apps](https://www.pimlico.io/index.md): Pimlico is the gas sponsorship engine for onchain apps. Sponsor transactions, accept any ERC20 token for gas, and set policy rules across 100+ chains. ### Products - [Ecosystem Gas Programs for Chains](https://www.pimlico.io/products/ecosystem-gas-programs.md): For chains and ecosystems: sponsor gas for every team building on your chain, so their users transact without ever holding native token. - [Pay Gas in USDC, USDT & 300+ ERC-20 Tokens](https://www.pimlico.io/products/erc20-gas.md): Let users pay gas in USDC, USDT, or any of 300+ ERC20 tokens, with no native tokens required. Audited by OpenZeppelin and Quantstamp. - [Gas Sponsorship for Onchain Apps](https://www.pimlico.io/products/gas-sponsorship.md): Sponsor gas for your users so they transact instantly, with no native tokens to buy and no fee prompts to abandon. Powered by the engine behind 100M+ sponsored transactions. - [Sponsorship Policies — Spend Controls for Gas](https://www.pimlico.io/products/sponsorship-policies.md): Spend controls for gas: sponsor the first N transactions per user, cap dollars per transaction, per user, or per campaign, all configured in the dashboard and applied instantly. - [Transaction Infrastructure & ERC-4337 Bundlers](https://www.pimlico.io/products/transaction-infrastructure.md): The execution engine under the sponsorship layer: ERC-4337 bundlers with <2s inclusion on L2s, parallel processing, and 250M+ transactions relayed in production. ### Solutions - [Onchain Execution for AI Agents](https://www.pimlico.io/solutions/ai-agents.md): Give AI agents smart accounts that execute on demand: they trade, pay, and move money the instant your logic fires. Sponsor their actions, or let user-funded agents pay their own way in USDC, USDT, or 300+ tokens, within the limits you set. - [Smart Account Infrastructure for Chains](https://www.pimlico.io/solutions/chains.md): Launch with smart account infrastructure from day one and fund gas programs that turn your ecosystem’s onboarding friction into growth. - [Deploy Pimlico on Your Chain](https://www.pimlico.io/solutions/chains/deploy.md): Enterprise deployments for chains and ecosystems: Pimlico's complete suite, from gas sponsorship to transaction infrastructure, live on your chain so every builder ships better UX from day one. - [Gasless Onboarding for Consumer Apps](https://www.pimlico.io/solutions/consumer-apps.md): Onboard users who have never owned crypto: sponsor their gas, set budgets that protect your margins, and make the blockchain disappear from your UX. - [Enterprise Onchain Infrastructure](https://www.pimlico.io/solutions/enterprise.md): SOC 2 certified infrastructure with custom SLAs, 24/7 support, and the team that co-authored ERC-4337, built for companies that cannot afford a dropped transaction. - Stablecoin Settlement Infrastructure (this page) - [Smart Account Infrastructure for Startups](https://www.pimlico.io/solutions/startups.md): Ship smart accounts in hours, not weeks. Free on testnets, pay-as-you-go in production, no commitments. It is the stack startups like Daimo and Zora started on. - [Smart Account Infrastructure for Wallets](https://www.pimlico.io/solutions/wallets.md): Build gasless smart wallets with any signer and any smart account, on the infrastructure trusted by MetaMask, Safe, and Trust Wallet. ### Other pages - [Customers](https://www.pimlico.io/customers.md): The teams building on Pimlico: Circle, MetaMask, Safe, Trust Wallet, Zora, Tools for Humanity, and more, across wallets, consumer apps, and stablecoin payments. - [Smart Account & Signer Integrations](https://www.pimlico.io/integrations.md): Every major smart account and signer, already integrated: Safe, Kernel, MetaMask, Privy, Turnkey, passkeys, and more, across 100+ chains. - [Pricing](https://www.pimlico.io/pricing.md): Free on testnets, pay-as-you-go in production, custom Enterprise rates. Transparent credit-based pricing for gas sponsorship and transaction infrastructure. - [Privacy Policy](https://www.pimlico.io/privacy.md): This Privacy Policy will inform you about how we look after your personal data when you visit our website or use our services and tell you about your privacy rights. - [Terms of Service](https://www.pimlico.io/tos.md): This Terms of Service will inform you about the terms of using Pimlico's services. --- For Stablecoin Processors # Settlement infrastructure that never misses When you process payments, a dropped transaction is a failed settlement. Pimlico executes your onchain transactions reliably, at low latency, on 100+ chains. [Get in touch](https://cal.com/kristofgazso/20min-stablecoin)[Start building](https://dashboard.pimlico.io) <2sinclusion time on L2s 250M+transactions processed Trusted by the best teams in stablecoin payments [Circle](https://circle.com)[Bitpanda](https://bitpanda.com)[Coinflow](https://coinflow.cash)[Halliday](https://www.halliday.xyz)[OneBalance](https://www.onebalance.io)[Picnic](https://usepicnic.com)[Daimo](https://daimo.com) Built for payments ## What payment-grade execution requires [ ### Deterministic inclusion Under 2 seconds on L2s with automatic gas escalation and resubmission. It is settlement you can put an SLA on. Learn more](https://www.pimlico.io/products/transaction-infrastructure.md) [ ### Gas paid in stablecoins Run your entire operation in stablecoins (USDC, USDT, and more), transaction fees included, with no native-token treasury to manage across 100+ chains. Learn more](https://www.pimlico.io/products/erc20-gas.md) [ ### Throughput without queues Hundreds of user operations execute in parallel, so volume spikes never back up your settlement pipeline. Learn more](https://www.pimlico.io/products/transaction-infrastructure.md) [ ### Free transfers for your users Sponsor gas on transfers to make sending stablecoins feel like sending a message. Learn more](https://www.pimlico.io/products/gas-sponsorship.md) ### Every chain that matters One integration covers 100+ chains, so expanding to a new corridor never means new infrastructure. [ ### Compliance-ready operations OFAC sanctions screening enforced on every transaction, SOC 2 Type 1 certified, 24/7 monitoring, and audited paymaster contracts. Learn more](https://www.pimlico.io/solutions/enterprise.md) Gas in stablecoins ### Run your whole operation in stablecoins, fees included A payments company shouldn't hold a volatile gas treasury on every chain it settles on. With Pimlico, transaction fees are paid in USDC, USDT, or 300+ other tokens, so your users pay fees from the balance they already hold and your books stay in stablecoins end to end. [Explore ERC-20 Gas](https://www.pimlico.io/products/erc20-gas.md) **pay-gas-in-usdc.ts** ```typescript // Same client, plus one line — token approvals are injected for you const smartAccountClient = createSmartAccountClient({ // ...same setup as before, plus: userOperation: { prepareUserOperation: prepareUserOperationForErc20Paymaster(pimlicoClient), }, }) const txHash = await smartAccountClient.sendTransaction({ to: "0x...", value: parseEther("0.1"), paymasterContext: { token: usdc, // any of 300+ supported ERC20 tokens }, }) ``` ### Quotes locked for 30 seconds The fee you show at checkout is the fee that settles. Every quote holds long enough for the payer to confirm, with no gas volatility mid-payment. ### Failed payments cost nothing Token collection is atomic with execution. A payment that reverts takes no fee, with no pre-funding and no trust assumptions to make. ### Approvals your security review will pass Per-transaction, exact-amount approvals on non-upgradable contracts audited by OpenZeppelin and Quantstamp: the same contracts the issuer of USDC runs on. Boosted Sponsorships ### Faster checkout, settled by invoice For latency-sensitive checkout flows, Boosted Sponsorships make user operations 34–43% faster by stripping sponsorship out of the hot path, and gas settles by monthly invoice: the billing model your finance team already expects. Access is granted on request. [Read the docs](https://docs.pimlico.io/guides/boosted-paymaster/use-boosted-paymaster) 1 Your checkout submits a payment No paymaster data to fetch and no extra signature round-trips. 2 Pimlico sponsors off-chain Three RPC calls disappear from the hot path entirely. 3 Gas settled monthly One invoice instead of per-operation on-chain deductions. The onboarding ramp ### Sponsor the first transfer, stablecoins after The adoption pattern that works: sponsor an account's first transfers so nothing blocks activation, then let fees come out of the stablecoins that land. One client and one policy engine cover both, so the switch is a config change, not a migration. 1 A new account starts transacting Its first transfers are sponsored under your policy. No balance needed at all. 2 Stablecoins land Deposits arrive in the account, and there is still no native token to buy. 3 The same client switches to ERC-20 gas Fees come out of the USDC, USDT, or 300+ other tokens the account already holds. Security & transparency ### Every payment accounted for Moving other people's money means being able to answer "where is this payment?" at any moment. Every operation is traceable in the dashboard from received to included on-chain, with millisecond timestamps and transaction hashes at each step. Spend is tracked live and itemized by policy, chain, and time, with custom alerts that fire before a budget or limit is hit, not after settlement stops. Track user operation 0xf3523157c238413335e2f5cb6325255d7103272bb7cf221a5779bf4f5840c1ef Received 2026-06-11 20:01:13.054 Added to Mempool 2026-06-11 20:01:13.054 (+0ms) Submitted 2026-06-11 20:01:13.341 (+287ms) Tx Hash: 0x223b701f... Included Onchain 2026-06-11 20:01:13.590 (+249ms) Tx Hash: 0x223b701f... Risk controls ### Your risk engine approves every sponsorship You already run KYC and fraud checks on every payment, so point the same risk engine at gas sponsorship. Pimlico calls your endpoint before sponsoring, and your server approves or rejects each request in real time: a flagged account never gets a sponsored transfer. [Read the webhook guide](https://docs.pimlico.io/guides/how-to/sponsorship-policies/webhook) **webhook.ts** ```typescript // Pimlico calls your endpoint before sponsoring. You decide. export async function POST(req: Request) { const { data } = await req.json() const { userOperation, chainId, sponsorshipPolicyId } = data.object // Your rules: KYC status, fraud signals, allowlists — anything const user = await lookupUser(userOperation.sender) return Response.json({ sponsor: user.verified && !user.flagged, }) } ``` ### Sanctions screening built in OFAC screening enforced on every transaction at the infrastructure layer, with nothing for your team to bolt on. [ ### SOC 2 & audited contracts SOC 2 Type 1 certified, with paymaster contracts audited by OpenZeppelin and Quantstamp. Learn more](https://www.pimlico.io/solutions/enterprise.md) [ ### Locked-down API keys Restrict keys to IP ranges, origins, and user agents, and disable individual methods, so a leaked key is a non-event. Learn more](https://docs.pimlico.io/guides/how-to/security/protect-api-keys) Ship with confidence ## Test everything before it touches mainnet Payment flows don't get to fail in production. Rehearse, validate, and debug the full pipeline before real money moves. ### Free test environments Every testnet across 100+ chains, with no surcharge on sponsored gas, so the full settlement flow is rehearsed end to end before production. [ ### Validate before you send Asset-change simulation previews exactly which balances a transaction will move, in one RPC call, so nothing is submitted until it passes your checks. Learn more](https://docs.pimlico.io/references/bundler/endpoints/pimlico_simulateAssetChanges) [ ### Debugging suite Full request logs in the dashboard and one-click Tenderly traces, so you see exactly why something failed, not just that it did. Learn more](https://docs.pimlico.io/guides/how-to/debugging/user-operations) [ ### Policies that scale with you Cap sponsored spend per transaction, per user, and per campaign, edited in the dashboard with no redeploys, so volume growth never outruns your limits. Learn more](https://www.pimlico.io/products/sponsorship-policies.md) Open source ### No black box between your checkout and the chain Alto, the open-source bundler, is the same code Pimlico runs in production, hardened by 250M+ real transactions. Your team can audit exactly what executes your settlements, and you keep an exit path if you ever need one. We also co-authored the standards this industry builds on: ERC-4337, ERC-7677, and ERC-7679. [ ### pimlicolabs/alto 729K+ downloads A type-safe, performance-focused ERC-4337 bundler written in TypeScript. The same code that runs Pimlico production infrastructure. View on GitHub →](https://github.com/pimlicolabs/alto) In production ## Who already settles on Pimlico [ Circle The issuer of USDC builds smart wallet infrastructure on Pimlico, including gasless USDC transfers. ](https://circle.com) [ Bitpanda Europe's leading retail investing platform executes onchain transactions through Pimlico. ](https://bitpanda.com) [ Daimo The self-custodial stablecoin payments app settles user transactions through Pimlico. ](https://daimo.com) [ Halliday The payments automation platform uses Pimlico for reliable onchain execution. ](https://www.halliday.xyz) [ OneBalance The chain-abstraction toolkit executes cross-chain transactions over Pimlico infrastructure. ](https://www.onebalance.io) [ Coinflow The onchain payments platform settles checkout and payout transactions through Pimlico. ](https://coinflow.cash) [See all customers](https://www.pimlico.io/customers.md) Coverage ## Every corridor, one integration Expanding to a new market never means new infrastructure: one API covers 100+ chains. A few of the networks Pimlico settles on EthereumEthereum BaseBase ArbitrumArbitrum OptimismOptimism PolygonPolygon BNB ChainBNB Chain AvalancheAvalanche Works with your stack ## Plug in the custody you already use Treasury and payout signing through institutional key management, embedded wallets at checkout: Pimlico sits below your signing layer, so whichever setup you run, it already works. Key management TurnkeyFireblocksDFNS Embedded wallets for checkout DynamicPrivyMagicWeb3AuthOpenfortParaParticle NetworkLit Protocol Smart accounts SafeSafe (multiple signers)KernelMetaMask Smart AccountsCoinbase WalletSimple AccountTrust WalletBiconomy NexusAlchemy Light Account Any viem-compatible signer works as an owner. If it can sign, it works. [See all integrations](https://www.pimlico.io/integrations.md) 250M+ transactions processed <2s inclusion time on L2s 100+ chains supported 24/7 monitoring & support ## Frequently asked questions **Can we put an SLA on settlement?** Yes. Inclusion averages under 2 seconds on L2s, with gas escalation, resubmission, and re-org recovery handled automatically. Enterprise plans add custom uptime SLAs, 24/7 monitoring by a dedicated team, and phone support. **Which stablecoins can pay for gas?** USDC, USDT, and 300+ other ERC-20 tokens. Your users pay fees in the balance they already hold, and you run your treasury in stablecoins with no native-token inventory to manage across chains. **How does billing work?** Pimlico fronts the gas on-chain and bills you the actual cost plus a 10% surcharge on mainnet, with no surcharge on testnets. Boosted Sponsorships settle by monthly invoice instead, and Enterprise plans get lower pre-negotiated rates. **How do you handle compliance?** OFAC sanctions screening is enforced on every transaction at the infrastructure layer. Pimlico is SOC 2 Type 1 certified, and the paymaster contracts are audited by OpenZeppelin and Quantstamp. **What happens during a volume spike?** User operations execute in parallel, with up to 100 concurrent operations per account using 2D nonces. Bursts never queue behind themselves, so a spike in payment volume does not back up your settlement pipeline.