StablePay: The Stablecoin Infrastructure for Global Remittance Providers

Power instant, compliant, and low-cost cross-border transfers with Bankware's white-label stablecoin solution.

A Next-Gen Payment Infrastructure for Licensed MSOs

What is StablePay?

StablePay is a white-label SaaS platform that enables licensed money service operators and fintechs to move value across borders using fully-backed stablecoins.

Built by Bankware Global

A listed Korean core-banking provider (KOSDAQ: 199480) trusted by leading financial institutions across Asia.

Bridging the Gap

StablePay bridges the gap between traditional compliance and next-generation settlement networks.

Architecture Overview

Simple, transparent flow from fiat to stablecoin and back to fiat

Sender Fiat Wallet
Sender Fiat Wallet
Sender Stablecoin Wallet
Sender Stablecoin Wallet
Receiver Stablecoin Wallet
Receiver Stablecoin Wallet
Receiver Fiat Wallet / Payout Partner
Receiver Fiat Wallet / Payout Partner

The Problem of Cross-Border Payments

Why today's remittance infrastructure still holds your business back

Settlement Delays

Even in 2025, many corridors still rely on batch-based clearing and nostro/vostro accounts, causing settlement lags of 1–3 days.

This traps liquidity and exposes operators to FX risk and manual reconciliation work.

High Intermediary Costs

Every transaction moves through multiple correspondent banks and aggregators, each taking a fee.

Margins shrink, especially on low-value transfers where competitiveness matters most.

Fragmented Compliance Workflows

Each market has different AML/KYC requirements, travel-rule formats, and reporting standards.

Teams waste hours managing separate tools and reconciling compliance data across jurisdictions.

Limited Transparency

Funds often move through opaque chains where neither senders nor operators can see status in real time.

You face support overhead, refund risk, and loss of customer trust.

Cross-border payments remain slow, expensive, and operationally complex,
even for licensed money service businesses.

But this isn't a product problem — it's an infrastructure problem.

The Infrastructure Solution

StablePay addresses this by replacing fragmented correspondent chains with instant, transparent stablecoin-based settlement rails — cutting cost, improving visibility, and unlocking real-time compliance data.

Innovation for Growth

Speed

Settlement in minutes using stablecoin rails. Transactions settle within minutes using blockchain-based stablecoin infrastructure — bypassing traditional bank rails.

1 USD stablecoin = 1 USD

Stability

Stablecoins are not volatile like other cryptocurrencies. They are pegged to the value of fiat. For example, 1 USDC = US$1. This ensures price predictability, crucial for remittance and treasury use cases.

Cost

Less reliance on SWIFT and traditional correspondent banking reduces cumulative transaction fees and FX spreads.

Compliance & Launch

Complete regulatory requirements and launch your enhanced services to customers

Compliance

Integrate KYC/KYB checks, AML monitoring, and complete audit trails to meet regulatory requirements across jurisdictions.

Customer Experience

White-label UI + API integration

Deliver seamless and branded remittance experiences across web and mobile, fully integrated into your existing app or platform.

Transparency

On-chain settlement viewable anytime

Every transaction is recorded on public ledgers, allowing operators and users to verify fund movement and settlement status in real time.

From Fiat to Stablecoin to Fiat, Seamlessly

Step 1 Local Collection

User sends local currency to your platform (e.g., THB/MYR/VND → Your Platform).

StablePay converts it into a regulated stablecoin (e.g., XSGD, USDP).

Step 2 Stablecoin Settlement

Transfer happens instantly via blockchain.

All transfers are recorded on-chain for auditability.

Step 3 Local Disbursement

Partner in the destination market receives stablecoins and converts to local fiat (e.g., PHP/IDR).

Recipient gets funds via bank transfer or e-wallet.

Customer Journey

Overseas Bank

StablePay App

Blockchain

Payee Wallet

Recipient Bank

Everything You Need, Modular and Ready

User Terminals
Mobile App
Web Portal
Enterprise Systems
Cross Border Payment
Remittance Management
Payment Management
Wallet Management
User Management
GasFee Management
Treasury Management
BXB Platform

API Layer

BXB Core

Product Factory
Smart Contract Management
Issuance & Distribution Orchestration
Token Issuance & Approval Process
Account Management
Web Integration for dApp

Adapter

Blockchain
Ethereum
Polygon
BSC
Avalanche
(TBD)
Hyperledger Besu
(TBD)
Solana
(TBD)

Everything You Need, Modular and Ready

150+
Ready-to-Use APIs
Pre-built endpoints for every business need
12
Core Service Groups
Complete business capability coverage
30
Days to Launch
Fast integration, faster time-to-market
100%
Open Standards
Industry-standard protocols, no vendor lock-in

Why Open Platform Matters

StablePay is built as an open platform from day one. This means you can integrate with existing systems, connect to third-party services, and extend functionality without custom development. Everything you need is already available through our comprehensive API suite.

User Management

Complete user lifecycle management from registration to profile management, with OAuth integration and multi-language support.

Payment Processing

End-to-end payment workflows with Stripe integration, real-time status updates, and comprehensive transaction history.

Stablecoin Operations

Blockchain-based stablecoin transfers, wallet management, and automated balance synchronization across multiple networks.

Operations Dashboard

Real-time monitoring, analytics, and management tools for transactions, users, and financial operations.

Wallet Services

Automated wallet creation, balance management, and treasury operations with full transaction traceability.

Fee Management

Transparent fee calculation, billing management, and comprehensive fee tracking for all transactions.

Banking-Grade Foundations

Built on Banking Expertise

StablePay is developed by Bankware Global (KOSDAQ: 199480), a core-banking leader serving top-tier banks across Asia.

Our platform is built for compliance-ready operations, integrating seamlessly with your existing AML, KYC, and travel-rule workflows while supporting transparent, fully-backed stablecoins issued under clear regulatory oversight.

ISO-Compliant Data Security

Enterprise-grade security standards

Stablecoin Attestation

Proof of reserves & full transparency

KYC/KYB Integration

Travel Rule compliance built-in

Full Audit Logs

Complete transaction traceability

Secure Cloud Hosting

AWS/KR/SG region-compliant infrastructure

Build Your Pilot in 30 Days

Get in Touch with Bankware

For questions, inquiries or concerns, please contact us by email at contact@bankware.asia or fill out the form here.

Contact Us