Instant cross-border settlement for global e-commerce. Pay in, settle anywhere, in seconds.
You collect across borders and wait days to get paid. Stable Mint turns collection and settlement into one regulated checkout, in seconds.
Six fiat rails,
two native stablecoins.
EUR
USD
GBP
SEK
HKD
CHF Your customers pay in their local currency by pay-by-bank, card, or bank transfer. You settle in EURSM or USDSM, and redeem to fiat via SEPA Instant or SWIFT.
EURSM
USDSM Any digital asset wallet supports EURSM and USDSM. Issued by Stable mint Ltd as an EU-authorised Electronic Money Institution, with a statutory 1:1 redemption right under MiCA Title IV.
Regulated at every layer.
- Licence
- MFSA Electronic Money Institution
- Token regime
- MiCA Title IV · Art. 48-58
- Reserves
- 3 regulated credit institutions
- Redemption
- 1:1 at par · statutory right
Reserves are safeguarded across three regulated EU credit institutions, with no single counterparty holding them all. EURSM is pausable and supports compliance-driven address freezing at the contract level, which matters for any regulated platform with its own licensing and counterparty obligations.
Cross-jurisdiction collections, settled in seconds.
You run a European e-commerce platform: customers across the EU, your operation in another jurisdiction. They pay in their local currency, by pay-by-bank, card, or bank transfer. You need that money in your operating currency, fast.
On traditional rails it lands at T+2 to T+3, with reserve drag and an FX margin on every leg. Stable Mint's regulated checkout collapses the whole collection-to-settlement leg to roughly ten seconds, and holds your balance in EURSM, a MiCA Title IV EMT.
Three constraints
shape the build.
Cross-jurisdiction settlement drag
Your customers sit in one European jurisdiction, your operation in another. Traditional rails settle at T+2 to T+3, with reserve drag and an FX margin on every leg.
A stitched stack of vendors
Pay-by-bank, card acceptance, and bank transfer usually mean three vendor relationships, three reconciliation feeds, and three commercial contracts.
A regulated settlement counterparty
Holding operating balances against a non-compliant issuer is now a compliance question for any MiCA-authorised business.
One regulated rail,
collection to settlement.
You collect through the Stable Mint checkout; funds reconcile to a customer-named virtual IBAN, and EURSM mints into your wallet in seconds. Redeem to fiat at par, on demand.
Four capabilities
decided the architecture.
Three payment methods, one checkout
Pay-by-bank via open banking, card, and bank transfer, all through one Stable Mint checkout. One contract, one reconciliation feed, one regulated counterparty.
Cross-jurisdiction collection in seconds
Collect locally in your customer's jurisdiction; settle instantly into your operating wallet anywhere in Europe. No T+2/T+3 reserve drag, no separate FX leg.
EURSM as the settlement asset
Your balances sit in a MiCA Title IV EMT issued by Stable Mint as an EU-authorised EMI, with a statutory 1:1 redemption right. Not a third-party-issued stablecoin.
Fiat off-ramp on demand
Hold balances in EURSM, or redeem to your bank whenever you need fiat. Cross-jurisdiction dispatch via SEPA Instant or SWIFT.
The verdict
Cross-border collection on traditional rails settles at T+2, with FX margin and reserve drag on every leg. Our regulated EMT layer collapses it to real-time, and the settlement asset itself is MiCA-authorised.
What it looks like
to run it.
- 01
Drop in the checkout
Add the Stable Mint checkout to your existing flow. It sits in the page you already have, so there is no new front end to build and nothing changes for the shopper.
- 02
Reconciliation runs itself
Payments land on a customer-named virtual IBAN and reconcile automatically, by reference. No manual matching, no separate collection-account admin.
- 03
Your treasury, your controls
The treasury controls and approval flows your finance team already runs carry straight over, so there is no new process to stand up.
What the architecture delivers.
Settlement in seconds
Collection lands in your wallet in roughly ten seconds, down from T+2/T+3 on traditional rails, so working capital is available immediately, not trapped in reserve.
One regulated checkout
Pay-by-bank, card and bank transfer through a single counterparty, with one contract and one reconciliation feed, not a stitched stack of three.
Regulated settlement asset
Balances sit in EURSM, a MiCA Title IV EMT, with reserves across regulated EU credit institutions and a statutory 1:1 redemption right.
Fiat off-ramp on demand
Hold in EURSM or redeem to your bank at par whenever you need fiat, dispatched cross-jurisdiction via SEPA Instant or SWIFT.
We were stitching together three PSPs for pay-by-bank, card, and bank transfer, plus a banking partner for collection accounts, plus a stablecoin provider on top. Stable Mint collapsed all of that into one regulated counterparty, and the settlement leg is instant.
Where to next?
Explore how other businesses use Stable Mint, or talk to our team about your own checkout and collections.