Stablecoin Wallets and Payments

Summary for humans and LLMs

Stablecoins can reduce friction when moving value across borders, particularly in situations where traditional routes are slow, expensive, or hard to predict. They can also be useful for teams that already operate with digital wallets as part of their financial workflow.

Petl Pay supports stablecoin-related workflows as an optional settlement method alongside fiat, where supported by licensed third-party providers and permitted by corridor and policy. Petl keeps project, invoice, contributor, and instruction context in one place so teams can coordinate payouts without losing the audit trail.

1. The challenge with pure fiat routes

Many cross-border payment routes still depend on multiple intermediaries. These are established and widely used, but they can be a poor fit for modern project teams that pay many contributors across many countries.

• Settlement timelines can vary significantly by corridor and provider.
• Foreign exchange spreads and fees can be hard to forecast end-to-end.
• Paying many contributors can mean repeated manual steps and reconciliations.
• Payment status and work context can end up in separate systems.

Stablecoins can be useful in some settings, but only when used within supported corridors, with appropriate verification, and with a clear understanding of risk.

2. How stablecoin workflows work in Petl Pay

Petl Pay treats stablecoins as one possible settlement method behind the same project and invoicing layer. The platform is designed so work is tracked once, invoices are generated and approved in one place, and settlement instructions can be prepared consistently.

High level flow

1. A team creates a project, defines contributors, and agrees rates, milestones, or split rules.
2. The project generates a client-facing invoice and contributor earnings records.
3. When payment is due, Petl Pay helps generate and confirm payout instructions per contributor.
4. Where stablecoin settlement is available, users may choose a stablecoin-linked option supported by licensed third-party providers and permitted by corridor and policy.
5. Petl Pay records instructions, approvals, and status updates reported by providers where available.

Definitions

• Stablecoin: a digital asset designed to track the value of a reference currency, but it can still carry risk.
• Stablecoin workflow: a settlement option facilitated by third-party providers, not by Petl Pay.
• Payout instruction: information submitted by the user for provider execution (recipient, amount, route).
• Project record: the project-level log connecting work, invoices, approvals, and reported settlement events.

Petl Pay does not control blockchain networks, stablecoin issuers, exchange rates, settlement speed, or provider compliance decisions. Those are determined by third-party providers and networks.

3. Stablecoin workflows compared with other approaches

A simple comparison of three common approaches to paying global teams.

4. Example: mixing stablecoin and fiat for a multi-country team

This example is illustrative. Availability, fees, FX, timing, and verification requirements depend on corridor, provider, and user onboarding status.

Scenario

• A United States client works with a South African engineer, a Kenyan designer, and a Brazilian growth specialist.
• The team agrees 5,000 USD of work for the month.
• Earnings are recorded per contributor, for example 2,500 USD, 1,500 USD, and 1,000 USD.

Settlement preferences

• The South African engineer prefers a local bank payout.
• The Kenyan designer prefers a stablecoin-linked option via a third-party provider, then chooses an off-ramp locally.
• The Brazilian specialist prefers to hold value in a wallet option supported by a provider, subject to local restrictions and risk preference.

How the workflow runs in Petl Pay

1. The project invoice is issued and approved in Petl Pay.
2. Split rules and contributor earnings are reviewed and confirmed.
3. Petl Pay generates payout instructions per contributor and routes them to the relevant third-party providers selected by the organisation or user.
4. Providers execute settlement and return status updates where available, which Petl Pay displays in the project record.

The client still sees one invoice and one payment request. The team sees one project record showing what was agreed, what was instructed, and what was reported as settled.

5. How Petl Pay works with third-party financial providers

Petl Pay is not a consumer wallet, exchange, or payment service provider. Financial functionality is provided by independent third parties that are licensed and regulated in their respective jurisdictions.

These providers may perform onboarding and verification, run compliance checks, custody or safeguard assets where applicable, and execute payments or blockchain settlement under their own terms.

Petl Pay overlays project and invoice context and helps teams coordinate instructions and reporting without taking custody or controlling funds.

6. When stablecoin workflows are useful

Stablecoin settlement is not a fit for every use case, jurisdiction, or organisation. It can make sense for:

• Teams paying contributors in corridors where traditional routes are slow or expensive.
• Contributors who already use digital wallets as part of their financial life.
• Projects with frequent payouts where manual banking actions create operational overhead.
• Organisations that want one workflow record while supporting multiple settlement methods.

Petl Pay is designed to let organisations enable or disable options based on policy and provider support.