Private pilot · GENIUS Act ready

Bring your bank into the stablecoin economy.

Genius Pay is regulated settlement infrastructure for GENIUS Act Payment Stablecoins. Issue, redeem, and settle PSCs over the debit rails and core systems you already run — without custody, without a middleware tax.

Talk to our team See how it works
EXISTING Bank account $ ON-CHAIN PSC settlement GENIUS PAY T+0 · ~100MS · NON-CUSTODIAL
Built for Community banks Regional banks Credit unions Payment processors ATM networks
GENIUS Act
Compliant by design
T+0
Instant on-chain settlement
~100ms
Authorization time
0 custody
Funds never leave bank accounts

01. What we do

We connect your core banking stack to on-chain settlement — without touching custody, charters, or compliance.

Genius Pay routes stablecoin transactions through the core banking, card, and ATM infrastructure your institution already operates, and settles them instantly on-chain in regulated Payment Stablecoins.

Only stablecoins that qualify under the GENIUS Act of 2025 move across the network. Reserve backing, attestations, and auditability are properties of the rails themselves — not of a bolt-on report.

The result: a new settlement business for your balance sheet, delivered over systems you already trust.

02. For banks

New revenue, from accounts you already hold.

/01

New revenue lines

Earn on PSC issuance, redemption, and transaction volume — interchange-grade economics without card-network intermediaries taking their cut.

/02

Compliance by construction

Every transaction travels on rails restricted to GENIUS Act stablecoins. KYC stays where it belongs: with the bank that issued the account.

/03

Zero custody risk

Genius Pay never holds customer funds. Stablecoins move directly between accounts via cryptographic authorization — your fiduciary posture stays intact.

03. For fintechs & processors

Integrate once. Reach every connected bank.

/01

One integration, every bank

Connect to the network once. As banks join, your distribution grows automatically — no bilateral contracts, no re-integration.

/02

White-label by default

Present issuance and redemption as your own product. Genius Pay stays invisible behind your customer experience.

/03

APIs your engineers will like

Documented REST APIs for issuance, redemption, and settlement reporting. Sandbox to production in days, not quarters.

04. How it works

Familiar on the outside. Faster underneath.

Customers keep their existing debit cards and accounts. Your systems keep their existing rails. Only the settlement layer changes — and it changes everything.

01

Authenticate

The customer presents a bank-issued debit card at any Genius Pay-enabled terminal or ATM. Identity checks are already complete — done by the issuing bank.

02

Route

The transaction travels to Genius Pay over existing payment rails. Where the network isn't available, it falls back to legacy processing without interruption.

03

Settle

Authorization returns in roughly 100 milliseconds. Settlement completes instantly in Payment Stablecoins on the Ethpar network — one immutable record for every party.

05. The difference

Same charters. Faster money.

Legacy settlement

Status quo
Settlement time T+1 to T+3
Availability Banking hours
Custody chain 3–5 intermediaries
Auditability Monthly reconciliation
Stablecoin access None natively

Genius Pay

GENIUS Act rails
Settlement time Instant — T+0
Availability 24/7/365
Custody chain Direct, non-custodial
Auditability On-chain, real-time
Stablecoin access Native PSC issuance & redemption

06. Get started

Ready to settle at the speed of software?

Whether you run a community bank, a card program, or a payments platform — Genius Pay is built to meet you where you are. Let's talk.

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