Stablecoin payments
A fintech can use blockchain infrastructure to let users send, receive, or settle funds using stablecoins — USDC, USDT, PYUSD, EURC, and other regulated tokens. Low-latency RPC endpoints and reliable transaction propagation are the foundation for any production stablecoin payment flow.
- Cross-border B2B payments
- Freelancer and contractor payouts
- Merchant settlement
- Remittances
- Stablecoin top-ups and withdrawals
- Stablecoin-linked card products
Industry signal: This is one of the most mature areas. Card payment processing companies have been expanding stablecoin settlement pilots across multiple blockchains — using stablecoin settlement as an alternative rail for issuers and acquirers.
Cross-border settlement and treasury
A fintech can use blockchain rails to move liquidity between entities, countries, partners, or banking providers faster than traditional correspondent banking — without the prefunding requirements or weekend settlement gaps.
- Weekend and holiday settlement
- Reducing prefunding needs
- Treasury rebalancing between regions
- Faster merchant or partner payouts
- USD liquidity access in weaker banking markets
Industry signal: The BIS has described tokenization as a way to reduce frictions in cross-border payments by replacing chains of intermediaries with a more integrated settlement process.
Tokenized deposits and bank money
For fintechs working with banks, blockchain infrastructure can support tokenized deposits or bank-issued money on programmable ledgers. Unlike public stablecoins, a tokenized deposit remains a commercial bank liability — represented on a programmable platform.
- Bank-led digital money
- Real-time corporate settlement
- Programmable treasury flows
- Embedded finance settlement between platforms
- Integration between bank accounts and digital-asset rails
Industry signal: The European Banking Authority describes tokenization as representing an asset as a digital record on a common programmable platform using DLT — enabling new models for bank money in regulated markets.
Tokenized real-world assets
Fintechs can support investment or capital-market products where assets are represented on-chain. Reliable archive node access and real-time event indexing are critical for settlement, NAV calculation, and compliance reporting.
- Tokenized treasury bills
- Tokenized money market funds
- Tokenized bonds and private credit
- Tokenized fund shares
- Equity-like instruments, where legally permitted
Industry signal: Capital-markets moves such as Bullish's planned acquisition of Equiniti show institutional interest in combining regulated transfer-agent infrastructure with blockchain-based settlement and tokenized securities.
Wallets and account abstraction
A fintech can offer wallets without making the product feel like a "crypto wallet." The UX can look like a normal balance and payment flow while blockchain infrastructure handles settlement underneath — invisible to the end user.
- Embedded wallets inside banking or fintech apps
- Custodial or MPC wallets
- Smart wallets with spending rules
- Account recovery
- Gas abstraction — users never hold native gas tokens
- Policy-based transaction approvals
What this requires: High-availability RPC endpoints with WebSocket support for real-time balance updates, plus reliable broadcast infrastructure for transaction submission across
multiple chains.
On-chain compliance and risk monitoring
Blockchain infrastructure can support monitoring, screening, and auditability. Fintechs cannot treat blockchain payments as "just payments" — they need compliance controls built into the infrastructure layer, not bolted on afterward.
- Wallet risk scoring
- Source-of-funds checks
- Sanctions screening
- Suspicious transaction monitoring
- Proof of reserves
- Transaction audit trails and merchant risk checks
What this requires: Archive node access for historical trace queries, reliable event subscriptions, and low-latency block ingestion — all available from the
Growth tier and above.
Crypto brokerage and exchange features
A fintech can use blockchain infrastructure to offer digital-asset access directly inside its app. For many fintechs, stablecoin settlement or treasury may be more strategically valuable than retail trading — but the infrastructure requirements overlap significantly.
- Buy/sell crypto
- Deposits and withdrawals
- Staking access, where legally supported
- Portfolio tracking
- Tax and transaction reporting
What this requires: High-throughput RPC access with no method multipliers, WebSocket subscriptions for real-time price and balance feeds, and archive access for transaction history reconciliation.
Merchant acquiring and payout infrastructure
A fintech serving merchants can use blockchain rails for faster settlement — especially relevant for platforms operating across many countries or currencies, where dependency on local banking rails creates delays and costs.
- Accept stablecoin payments
- Settle merchants in fiat or stablecoins
- Support global sellers
- Reduce dependency on local banking rails
- Automate marketplace and creator economy payouts
What this requires: Multi-chain RPC access across payment-focused chains — Ethereum, Tron, Solana, Tempo, Plasma — with geo-balanced endpoints that minimize latency for merchants and customers in any region.
Programmable payments
Blockchain infrastructure can support conditional, automated, or rules-based payment flows. The key value is not "blockchain" itself, but programmable money plus transparent settlement logic — enforceable without intermediaries.
- Escrow and milestone-based payments
- Automatic revenue splits
- Marketplace commissions
- Insurance claim payouts
- Subscription and invoice settlement
- Delivery-versus-payment workflows
What this requires: Reliable event subscriptions and contract call infrastructure — WebSocket endpoints and stable archive access for settlement verification and dispute resolution.
Identity, credentials, and verification
Some fintech scenarios use blockchain or decentralized identity infrastructure for verification layers — most relevant where multiple financial platforms need to trust the same verified user or business data without re-running KYC from scratch.
- Reusable KYC credentials
- Proof of accreditation
- Proof of funds
- Merchant and counterparty verification
- Portable business identity
- Verifiable compliance status
Maturity note: This area is less mature than stablecoins or tokenization, but it is becoming more relevant as regulatory frameworks for digital identity evolve and multi-platform fintech ecosystems expand.
Lending and collateral
Fintechs can use blockchain infrastructure to support collateralized products. This requires stronger risk controls — collateral volatility, oracle quality, liquidity, and liquidation mechanics all become critical infrastructure concerns.
- Crypto-backed loans
- Stablecoin credit lines
- Tokenized collateral monitoring
- Automated liquidation logic
- Real-time collateral valuation
- Institutional borrowing and lending rails
What this requires: Sub-second block data for liquidation monitoring, archive nodes for historical position reconstruction, and reliable WebSocket subscriptions for price-feed and oracle event tracking.
Data, analytics, and reconciliation
Even fintechs that do not expose blockchain to end users may need blockchain infrastructure for internal systems. Production use requires reliable RPC access, archive data, indexing, webhooks, event monitoring, and alerting — not just a shared endpoint.
- Transaction indexing
- Wallet balance reconciliation
- Stablecoin flow analytics
- Compliance dashboards and fraud detection
- Financial reporting and audit trails
- Customer support tooling
What this requires: Reliable
archive node access for historical queries, debug and trace APIs for transaction forensics, and dedicated resources that won't compete with production traffic.
Global NodeGeo-balanced ultra-reliable RPC API designed to deliver unbounded performance
Unlimited NodeFlat-fee RPS-tiered access for nonstop on-chain performance with unlimited API calls
Managed Dedicated NodesFully managed RPC nodes with flexible deployment and customization options
Self-Hosted NodesUser-managed nodes on any infrastructure with automated deployment, self-healing, and lifecycle management.NEW
Archive DataFast cost-effective RPC access for archive blockchain data operations
gRPC Data StreamingYellowstone Geyser plugin for structured real-time Solana data streaming
Ultra-fast TransactionsHighest transaction speed on the market with 100% landing rate. Zero customization required
MarketplaceBoost performance and scale in seconds with ready-made add-ons
Faucet PortalFree testnet tokens to jump-start your Web3 builds
Chainstack MCP ServerDeploy and manage blockchain nodes directly from any AI agent
Chainstack GitHubExplore our open-source SDKs, tools, and sample projects
Help CenterSubmit and track issues for rapid, round-the-clock resolution
Performance DashboardReal-time latency and success rate check across popular chains among top RPC providers
Web3 ToolsLibraries, SDKs, and Web3 utilities for deep-dive blockchain development
Status PageAll systems operationalReal-time platform health status. Get updates via Slack, Email or Webhook
Refer and earn
Ethereum
Hyperliquid
Solana
Arbitrum
BNB Smart Chain
Base
Polygon
TRON
Sui
MegaETH
Tempo
Monad
Avalanche
Aptos
Ronin
zkSync Era
Optimism
Sonic
Unichain
Fantom
Gnosis Chain
Discord
Telegram
X (Twitter)
