Stablecoin payments without the friction
Stablecoins settle instantly and can be audited, but wallets, seed phrases and gas fees stop most businesses. The work is to make all of that invisible.
What blocks adoption
Poor user experience
Wallets, seed phrases and crypto jargon put off the very users a payment product needs.
Unpredictable costs
Volatile gas fees make micro-transactions and scale hard to plan.
Compliance
Financial infrastructure on Web3 has to be audited and controlled, and ready for the European MiCA framework.
How I approach it
Account abstraction
Smart accounts and paymasters: users sign up with an email and a password and confirm transactions with a PIN code, with no crypto wallet to manage.
Gasless transactions
A paymaster covers network fees, so costs collapse into a single invoice in fiat currency.
Stablecoin rails
Regulated euro and dollar stablecoins (EURC, USDC) for instant, auditable international payments, in a non-custodial design.
What I have delivered
Paycifi, a programmable escrow for high-value B2B transactions: funds are locked in smart contracts at signature, released against milestones in EURC or USDC, and never held by the platform. It runs in production on the Base network, was built with partners including Circle Alliance, CBC Start It and Fintech Belgium, and secured €200K in non-dilutive funding. Before that I designed d-event, a euro-pegged cashless payment system piloted with more than 3,000 attendees.