CASE STUDY

STABLED B2B STABLECOIN PAYMENTS

BeAWhale designed and developed STABLED, a stablecoin-based B2B payments platform that lets businesses pay vendors and contractors instantly in USDC – with automated recurring payments, role-based team access, and advanced financial reporting. The MVP is being delivered in 3 months with 3 developers and 1 designer.

THE CHALLENGE

GLOBAL PAYMENTS,
ZERO FRICTION

Businesses making cross-border payments face a broken system – slow bank wires, high fees, opaque conversion rates, and compliance headaches. Crypto offers a solution, but most tools are built for traders, not finance teams. They’re complex, lack multi-user controls, and don’t support the workflows businesses actually need: scheduled payroll, recurring vendor payments, and audit-ready reporting.

STABLED’s founder came to BeAWhale with a clear mission: build a platform where stablecoin payments feel as simple as traditional banking – but faster, cheaper, and borderless. Not a crypto wallet with payment features bolted on, but a purpose-built B2B payments tool with stablecoins at its core.

The most critical piece? Bridge the gap between blockchain infrastructure and everyday business operations – role-based access, compliance logging, automated payment schedules, and exportable financial reports – all in a single, clean interface.

REVIEW

NIKOLAUS SEIGUER, CEO

“Working on our Payments app was a truly collaborative process. They asked the right questions, offered thoughtful input on every request, and worked closely with us to find the best solutions.”

FEATURES

What we built FOR MVP

SECURE ON/OFF-RAMP

Deposit and withdraw funds via external providers with transparent conversion rates, fee display, and built-in AML compliance logging for full regulatory traceability.

RECURRING PAYMENTS

Schedule and manage recurring USDC payouts for payroll, subscriptions, or vendor contracts. Set custom frequencies, pause or resume plans, and maintain full visibility into every payment cycle.

FINANCIAL REPORTS

Turn transactional data into meaningful visuals. Generate summaries of payments, top spending categories, and cash flow trends with interactive charts and downloadable exports in CSV, XLS, and PDF.

ROLE-BASED ACCESS

Multi-user business accounts with granular permission control. Assign roles, manage who can view, initiate, or approve payments, and maintain security across your entire organization.

KEY FEATURE

HOW DO STABLEDCOIN B2B PAYMENTS work?

STABLED’s payment pipeline simplifies what is typically a complex, multi-day process into a streamlined flow. Businesses go from account setup to global payment in minutes – not days.

01 Create & Verify

Business signs up, sets roles and permissions, and completes verification with secure 2FA authentication

02 Fund

Deposit USDC via integrated on-ramps with transparent fees and real-time conversion display

03 Pay

Send one-time or recurring payments to vendors, contractors, or team members with instant USDC settlement

04 Track & Report

Monitor all activity in the dashboard, generate financial reports, and export audit-ready records

DETAILED

What you might want to KNOW

Can you build a stablecoin payments platform from scratch?

Yes – STABLED is a full B2B payments platform built on stablecoin infrastructure. We designed and developed everything: GoLang backend, React frontend, bridge.xyz API integration for payment processing, on/off-ramp flows, recurring payment scheduling, and role-based team management. The platform handles real USDC transactions in production, not just a prototype.

How do you handle compliance and security for financial platforms?

Security and compliance are built into the architecture from day one. STABLED includes 2FA/OTP for sensitive actions, role-based permission control, AML compliance logging for all fund movements, and full audit trails across every transaction. We work with established providers like bridge.xyz to ensure regulatory alignment for payment processing.

What tech stack do you use for fintech platforms?

For STABLED, we chose GoLang for the backend – ideal for high-concurrency financial operations – paired with React for a responsive, component-based frontend. The payment layer integrates with bridge.xyz APIs for stablecoin processing, with on/off-ramp providers handling fiat conversion. Stack decisions are always driven by the product’s performance and security requirements.

How fast can you deliver a fintech MVP?

STABLED – a full-featured B2B payments platform with dashboard, recurring payments, reporting, compliance, and on/off-ramp integration – is being delivered in approximately 3 months. That includes design, architecture, backend, frontend, API integrations, testing, and production deployment. Timeline depends on scope, but a production-grade fintech MVP is realistic within one quarter.

Does BeAWhale handle both design and development?

End-to-end. For STABLED, we handled product design, frontend mockups for every page (login, dashboard, payments, history, reports, settings, contacts, and more), full backend architecture, API integrations, staging, stress testing, and production deployment. You get a fully shipped product – not a handoff you need to finish.

What types of blockchain and fintech products does BeAWhale build?

We build across the full spectrum – from crypto-native mobile apps and DeFi platforms to stablecoin payment systems and token launch infrastructure. STABLED is a B2B fintech platform; we’ve also built consumer wallets (Venice), messaging apps with AI (Baria), Solana automation bots, and large-scale airdrop campaigns. We adapt our approach to what the product demands.