Stable Genius provides merchants with a simple way to accept stablecoin payments in physical stores, handling all blockchain complexity behind the scenes. Payments are automatically recorded in accounting platforms like Square, QuickBooks, and Xero, and the received USDC is instantly converted to USD and deposited into the merchant’s bank account, eliminating volatility and chargebacks. The service integrates with popular wallets such as Metamask, Coinbase Wallet, and Cash App, and supports global transactions.
Funding
Funding not disclosed
Founders
Product
Problem
Merchants often lack a simple way to accept cryptocurrency payments, facing technical complexity, volatility risk, and integration challenges with existing accounting and point‑of‑sale systems.
Solution
Stable Genius offers a turnkey platform that lets merchants accept stablecoin payments in person with a plug‑and‑play terminal. Payments are automatically converted from USDC to USD and deposited into the merchant’s bank account, eliminating price volatility. Transaction data syncs directly with popular accounting tools such as Square, QuickBooks, and Xero, providing real‑time reconciliation without manual entry. The service operates on a self‑custodial smart‑wallet model, so merchants retain control of private keys and funds are never held by Stable Genius. Built‑in cellular connectivity removes the need for Wi‑Fi, and the universal QR code enables payments from any crypto wallet.
Target Audience
Primary customers are brick‑and‑mortar merchants and small businesses that use point‑of‑sale systems like Square, Clover, or Toast and want to add cryptocurrency payments without technical overhead.
Features
- Plug‑and‑play payment terminal with built‑in cellular, no Wi‑Fi required
- Automatic conversion of USDC to USD with zero volatility exposure
- Real‑time accounting integration with Square, QuickBooks, Xero and other platforms
- Self‑custodial smart wallet for each merchant; no private keys are stored by Stable Genius
- Universal QR code acceptance supporting wallets such as Coinbase, Metamask, Phantom, Rainbow, Cash App, etc.
- Instant on‑chain settlement; funds become final once confirmed
- 1.5% transaction fee with no hidden charges
- Ability to cash out to a bank account via ACH within 1–2 business days