Buyer protection for stablecoin payments.
Stablecoins removed the chargeback - final settlement is great for merchants, but leaves buyers with no recourse. Settld is the embedded protection and dispute-resolution layer that lets payment platforms offer buyers a safety net, without giving up the speed and finality of on-chain money.
Push payments have no undo.
Card payments run through a bank that can reverse them - that's what powers chargebacks and buyer protection. Stablecoin payments are different: the buyer pushes funds directly, settlement is instant, and nothing can be reversed. Merchants love it. But if an order never ships, arrives wrong, or the seller is a scam, the buyer has no one to appeal to. As stablecoins move into mainstream commerce, that missing safety net is the single biggest thing holding back adoption.
- Cost to accept a stablecoinversus 2-3% on cards
- ~0.5%
- Settlement timeand it's irreversible
- SECONDS
- Buyer recourse when something goes wrong todayno bank, no chargeback, no appeal
- $0.00
MARKET CONTEXT - NOT SETTLD METRICS
Hold. Resolve. Remember.
Hold
Protected funds sit in a non-custodial smart contract until the order is delivered - not with the merchant, not with us.
Resolve
If a buyer raises an issue, funds freeze and a fair, tiered process decides the outcome - from automated checks to human review.
Remember
Every resolved case builds a reputation record for buyers and merchants, so trust gets smarter over time.
A complete trust layer, embedded via API.
Four modules behind one integration - each one an instrument your buyers never have to think about.
// hold funds until delivery
const hold = await settld.protect({
amount: "4200.00",
currency: "USDC",
window: "5d",
parties: { buyer, merchant },
});
// → HELD · protected by SettldProgrammable hold
Non-custodial escrow with a protection window and automatic release. The rules are enforced by the contract; no one can touch the funds.
Tiered dispute resolution
Automated evidence checks resolve clear cases in minutes; trained human arbiters handle the subtle ones; an optional decentralized panel backstops high-value appeals.
Reputation graph
A know-your-counterparty record that scores delivery reliability and dispute history - powering smarter, risk-based protection.
Guarantee pool
COMING LATERAn optional tier that backstops eligible losses, turning “trust the code” into “trust the brand.”
Built for the products moving stablecoins.
Settld isn't a wallet or a payment rail - it's the trust layer inside them. Payment gateways, marketplaces, and B2B payment platforms embed Settld to offer buyers protection and safely grow volume they couldn't touch before: new suppliers, higher tickets, riskier corridors.
Payment gateways
Offer buyer protection as a feature and win merchants who need it to convert.
Marketplaces
Onboard riskier suppliers and higher-value orders with confidence.
Cross-border B2B platforms
Settle in new corridors where trust between counterparties is thin.
Add “Protected by Settld” to your checkout with a few lines of code.
Recourse for humans now. For AI agents next.
Agent-to-agent commerce runs on the same push, stablecoin rails - with the same missing recourse, only faster and more frequent. The protocols enabling agent payments are building the rails and the authorization; none is building what happens when an agent transaction goes wrong. Settld's core - a programmable hold, verifiable resolution, and a reputation graph - is designed to become the trust and recourse layer for the autonomous economy.
Stablecoins just went mainstream.
SOURCES: MCKINSEY × ARTEMIS STABLECOIN PAYMENTS REPORT, JAN 2026 · MARKET CONTEXT - NOT SETTLD METRICS
Building on stablecoins? Let's talk.
We're onboarding a small group of design partners - payment platforms, marketplaces, and merchants who want to offer buyer protection on stablecoin payments. Request early access.
- Shape the API before it's locked in
- Priority onboarding at launch
- Direct line to the founding team