Decal
Decal is a commerce platform for small businesses and solo entrepreneurs that combines payments, online bookings, prepaid packages, and a treasury account earning interest on idle balances. It runs on stablecoin rails, enabling instant settlement and lower processing fees, and integrates with Square devices today. Clients pay via cards, prepaid balances, or stablecoins with no signups or downloads required.
- Commerce & Shopping
- Blockchain & Cryptocurrency
- Financial Technology
- Software Only
Funding
Founders
Founder details are not available yet.
Product
Problem
Traditional card payment processors charge high network fees and delay settlement for days, reducing merchant revenue and slowing access to funds. Businesses also face limited options for integrating modern payment methods without replacing their existing point-of-sale infrastructure, and often juggle separate tools for bookings, payments, and client balances.
Solution
Decal provides a stablecoin-based commerce platform that combines payments, online bookings, prepaid packages, and a treasury account, enabling merchants to operate more efficiently and keep more revenue. Clients pay through a familiar checkout flow using cards, prepaid balances, or stablecoins, with no signups or downloads required. Transactions settle instantly in stablecoins, giving businesses immediate access to funds while paying a fraction of typical card processing fees. The platform includes stored value and loyalty features, plus a treasury that earns interest on idle balances, helping merchants drive repeat visits and larger purchases without relying on deeper discounts.
Target Audience
Primary customers are local merchants and solo entrepreneurs, particularly those using Square point-of-sale systems, who want to reduce payment processing costs, streamline bookings and prepaid packages, and earn interest on idle balances.
Features
- Instant settlement in seconds using stablecoin infrastructure, with 24x7 availability and no payout windows or bank cutoffs
- Lower transaction fees: 0% card processing for the first 3 months, then 2.8% + $0.10; prepaid and stablecoin payments stay ~1%
- Seamless integration with Square devices today, with Clover, Lightspeed, and Shopify integrations planned
- Camera-based QR checkout flow that requires no customer signups, downloads, or learning curve
- Stored value and rewards capabilities that increase customer lifetime value and average order sizes
- Online booking and appointment scheduling that turns services into time slots clients book and pay for in one step, reducing processing fees
- Decal Treasury that earns up to 8% yield on settled payments and prepaid client balances, withdrawable anytime
- Booking rules for minimum notice, advance booking limits, cancellation policies, and automatic reminders sent under the business name
- Supports classes with seat limits, buffer time between appointments, and customer profiles with two-way sync for Square