New GENIUS Act Payment Stablecoins for banks
Genius Pay lets banks issue, redeem and settle regulated Payment Stablecoins on the debit rails and core systems they already run. Instant. Non-custodial. Compliant on day one.
For banks
Genius Pay runs alongside your existing card and deposit rails. Customers transact with the debit cards they already carry — you capture the stablecoin economics behind every swipe.
Earn on PSC issuance, redemption and transaction volume. Because Genius Pay cuts card-network intermediaries out of the chain, more of every basis point stays on your balance sheet.
Stablecoins move directly between accounts via cryptographic authorization. We never hold funds.
Only GENIUS Act Payment Stablecoins move on the network. Reserves, attestations and audit trails are properties of the rails.
No re-issuance, no new core banking modules. A configuration change, not a migration.
No cut-off times, no batch windows. Money moves on weekends and holidays like any other day.
For fintechs & processors
Processors and platforms connect to Genius Pay a single time and gain access to every bank on the network. Distribution that used to take years happens on day one.
// Request { "source_account": "acct_bank_8f3a…", "amount": 2500.00, "asset": "PSC-USD", "destination": "0x91c4…e2a7" } // Response · 94ms { "id": "stl_01J8…", "status": "settled", "finality": "T+0", "tx_hash": "0x4b7f…c019", "compliance": { "genius_act": true } }
How it works
Customers keep their cards. You keep your rails. Only the settlement layer changes.
The customer uses their bank-issued debit card at any Genius Pay-enabled terminal or ATM. KYC is already done — by the bank that issued the card.
The transaction travels to Genius Pay over existing payment rails. Where the network isn't available, it falls back to legacy processing seamlessly.
Authorization returns in ~100ms. Settlement completes instantly in Payment Stablecoins on the Ethpar network — one immutable record for every party.
The network
Genius Pay doesn't replace your core banking stack or card programs. Transactions preferentially use our rails and fall back to legacy networks when unavailable.
Compliance
Every stablecoin on the network qualifies under the GENIUS Act of 2025, with on-chain transparency your examiners can verify directly.
Whether you run a community bank, a card program or a payments platform, Genius Pay is built to meet you where you are.