The pain you’re solving
- Customers want to pay with the stablecoin they already hold; you only want to receive USDC on Polygon
- Bridge failures in the middle of a payment flow create unrecoverable customer-service incidents
- Invoice flows need a deterministic destination address with pre-programmed actions
- Compliance team needs address screening and AML before funds settle
What Eco gives you
| Capability | Product |
|---|---|
| Accept any stablecoin, settle to one | Routes RFQ |
| Deterministic address per invoice / per customer | Programmable Addresses |
| Gasless funding (no gas-token UX) | Funding methods — ERC-3009, Permit |
| Atomic refunds on failure | Vault model |
| End-to-end compliance across solvers and users | Verified Liquidity (closed access): KYB’d solver network, KYC/AML/OFAC users, audit record |
| Predictable settlement under solver outage | Settlement vs Orchestration |
Recommended product mix
| Use case | Use |
|---|---|
| Per-invoice deposit address | Programmable Addresses |
| Cross-chain settlement | Routes API |
| Gasless customer payment | ERC-3009 → Routes via Gateway Fast Deposits pattern |
| Multi-currency acceptance | Stable RFQ |
Patterns
Customer pays an invoice with any stable
Generate a Programmable Address per invoice, derived from(merchantAddress, invoiceId). Show the address to the customer. Customer transfers (or signs ERC-3009 for gasless). The address publishes an intent that delivers the merchant’s preferred stablecoin on the merchant’s preferred chain.
→ Recipe: Gasless USDC into Gateway
Refunds without operational risk
Eco’s refund path is permissionless and runs independently. If a payment fails to settle within the deadline, the refund service returns funds to the customer automatically. You don’t operate a refund service; you don’t hold customer funds.End-to-end compliance
Route through Verified Liquidity (closed access), the permissioned fulfillment lane built on a KYB’d solver network with OFAC screening built in. Every user requesting a quote is KYC/AML/OFAC-screened, and every transfer produces a structured audit record. The flow is identical to Routes, with the participant set constrained to verified parties on both sides.Get started
→ Programmable Addresses overview — the primary product for invoice and checkout flowsRead next
Programmable Addresses
Auto-routing deposit addresses.
Funding methods
Gasless paths for payers.
Routes overview
Cross-chain stablecoin payments.