Tempo is a Layer‑1 blockchain optimized for stablecoin payments, delivering deterministic sub‑second finality and low, stable fees payable in USD‑pegged assets. It reserves dedicated payment lanes, includes a native stablecoin DEX and programmable smart accounts for batch, scheduled and authenticated transactions, allowing financial institutions and fintech platforms to process high‑volume, low‑value global payments with predictable costs and seamless reconciliation.
Funding
$500M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Current blockchain and legacy payment infrastructures are either generic and costly or tailored to trading, making stablecoin transactions expensive, volatile, and unpredictable. Financial institutions and fintech platforms therefore face high fees, uncertain settlement times, and complex integration when processing high‑volume, low‑value global payments. These constraints limit the scalability of remittances, payouts, and embedded finance use cases.
Solution
Tempo is a purpose‑built Layer 1 protocol that treats payments as a first‑class workload. The network delivers high‑throughput, sub‑second deterministic finality (~0.6 s) while keeping transaction fees low and stable by allowing gas to be paid in USD‑pegged stablecoins. Dedicated payment lanes guarantee blockspace for payment traffic, preventing fee spikes during network congestion. A native stablecoin‑optimized DEX and tokenized‑deposit support provide on‑chain liquidity without external bridges. Structured memo fields enable seamless invoice reconciliation, and programmable smart accounts offer batch, scheduled, and passkey‑authenticated transactions. Together, these capabilities let enterprises move funds globally, settle instantly, and embed programmable money directly into their products without the overhead of traditional rails.
Target Audience
The primary customers are financial institutions, fintech platforms, and corporate treasury teams that require fast, low‑cost, programmable stablecoin payments, as well as developers building global payout, remittance, and embedded‑finance applications.
Features
- High‑throughput consensus engine supporting thousands of transactions per second for payment‑scale workloads.
- Deterministic settlement with ~0.6 second block finality and zero re‑org risk.
- Stablecoin‑native gas model: fees payable in USD‑stablecoins, eliminating volatile native token costs.
- Dedicated payment lanes at the protocol level that reserve blockspace for payment traffic, ensuring low and predictable fees.
- Built‑in stablecoin DEX optimized for tokenized deposits and low‑fee swaps, maintaining on‑chain liquidity.
- Structured metadata fields for invoices, ERP identifiers, and custom tags to simplify reconciliation.
- Programmable smart accounts with batch execution, scheduled payments, gas sponsorship, and passkey authentication.
- Comprehensive SDKs and API documentation for rapid integration of remittances, global payouts, embedded finance, microtransactions, and agentic commerce.