> ## Documentation Index
> Fetch the complete documentation index at: https://docs.eco.com/llms.txt
> Use this file to discover all available pages before exploring further.

# Solutions for payment platforms & PSPs

> Accept any stablecoin from any chain, settle to one preferred currency. Deterministic deposit addresses with pre-programmed actions for invoice flows. Compliance enforced at the solver-selection layer.

Payment platforms need three things crypto rails rarely deliver: predictable settlement, multi-asset acceptance, and a compliance story. Eco's vault model and dual-mode execution were designed around these constraints.

## 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](/routes/capabilities/stable-rfq)                                                                                                        |
| Deterministic address per invoice / per customer | [Programmable Addresses](/addresses/overview)                                                                                                        |
| Gasless funding (no gas-token UX)                | [Funding methods](/addresses/funding-methods), ERC-3009, Permit                                                                                      |
| Atomic refunds on failure                        | [Vault model](/concepts/vaults)                                                                                                                      |
| End-to-end compliance across solvers and users   | [Verified Liquidity](/verified/overview) <span style={{opacity: 0.6}}>(closed access)</span>: KYB'd solver network, KYC/AML/OFAC users, audit record |
| Predictable settlement under solver outage       | [Settlement vs Orchestration](/concepts/settlement-vs-orchestration)                                                                                 |

## Recommended product mix

| Use case                    | Use                                                                                     |
| --------------------------- | --------------------------------------------------------------------------------------- |
| Per-invoice deposit address | [Programmable Addresses](/addresses/overview)                                           |
| Cross-chain settlement      | [Routes API](/routes/integrate/api)                                                     |
| Gasless customer payment    | ERC-3009 → Routes via [Gateway Fast Deposits](/addresses/gateway-fast-deposits) pattern |
| Multi-currency acceptance   | [Stable RFQ](/routes/capabilities/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](/recipes/gasless-gateway-deposit)

### 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](/verified/overview) (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](/addresses/overview), the primary product for invoice and checkout flows