The Payment Stablecoin network for banks
Genius Pay is regulated settlement infrastructure for banks issuing GENIUS Act Payment Stablecoins. Same debit rails. Same core banking. Instant on-chain settlement. Better economics for your balance sheet.
01 / What we do
We built a Payment Stablecoin layer that plugs into the banking rails you already run. Instant settlement, GENIUS Act compliance, and zero custody risk — without rebuilding a single system.
Genius Pay routes transactions through your existing core banking, card, and ATM infrastructure and settles directly on-chain in regulated Payment Stablecoins. No new hardware. No charter risk. Just a new line of business for your balance sheet.
02 / For banks
Genius Pay sits alongside your current card and deposit rails. Customers transact with the debit cards and accounts they already hold — you capture the stablecoin economics behind every swipe.
Earn on PSC issuance, redemption, and transaction volume — interchange-grade economics without card-network intermediaries taking their cut.
Only GENIUS Act Payment Stablecoins on the network. Reserve backing, attestations, and on-chain auditability are baked into every transaction.
Genius Pay never touches customer funds. Stablecoins move directly between accounts via cryptographic authorization — your fiduciary posture stays intact.
03 / For fintechs & processors
Processors and platforms integrate once and gain access to every bank on the Genius Pay network. Distribution that used to take years happens on day one.
Connect to the network once. Each new bank that joins expands your distribution automatically — no bilateral deals, no new contracts.
Brand PSC issuance and redemption as your own product. Genius Pay operates invisibly behind your customer experience.
Clean, documented APIs for issuance, redemption, and settlement reporting. Sandbox to production in days, not quarters.
04 / How it works
STEP — 01
The customer uses their existing bank-issued debit card at any Genius Pay-enabled terminal or ATM. KYC is already done — by the bank that issued the card.
STEP — 02
The transaction routes to Genius Pay over existing payment rails. Where the network isn't available, it falls back to legacy processing seamlessly.
STEP — 03
Authorization returns in ~100ms. Settlement happens instantly in Payment Stablecoins on the Ethpar network — every party sees the same immutable record.
05 / The network
Genius Pay doesn't replace your core banking stack or card programs. It runs alongside them and settles what's worth settling on-chain.
Genius Pay runs alongside existing debit, ACH, and card infrastructure on the same accounts and cards. Transactions preferentially use our rails and fall back to legacy networks when unavailable.
Built for regulated institutions from day one. Every stablecoin on the network qualifies under the GENIUS Act of 2025, with on-chain transparency your regulators can verify.
06 / Get started
Whether you issue cards, operate payments infrastructure, or serve thousands of banking clients — Genius Pay is built to work with you. Let's talk.