“One of the pioneering firms in web3 solutions, digital assets and tokenization, recognized for its innovation and solid reputation across Spain and Latin America.”
Jorge CorredorLawyer, Rincón Cuéllar & Asociados
Stablecoin payment gateways. Settled in seconds, any hour.
We build the gateway that accepts stablecoin payments, converts from fiat through regulated on-ramp providers and reconciles every payment with your ERP, in any country.
They trust Metlabs with their blockchain projects
Stablecoin payments
How can a business accept stablecoin payments?
With a checkout that creates the order, an address or contract that receives the stablecoin and a service that confirms the transaction on the network and matches it in your ERP. When the customer pays from dollars or euros, a regulated on-ramp provider handles conversion and KYC before the funds arrive.
6.36%
global average cost of sending $200
World Bank · 2025
99%+
of stablecoins are US dollar-denominated
BIS · 2025
100%
liquid reserve backing under the GENIUS Act
White House · 2025
What's included
What our stablecoin payment gateway development includes.
Receiving funds on-chain is the easy part. What turns a pilot into a payment system is conversion, reconciliation and what happens when a payment arrives wrong.
Checkout and gateway
Payment pages, links and an API that create each order and detect its confirmation on-chain.
On-ramp and off-ramp
We integrate regulated providers to move from fiat to stablecoin and back, with their KYC.
Collection wallets
A deposit address per order and treasury wallets under multisig or regulated custody.
ERP reconciliation
Every payment with its hash, amount and order, exported to your ERP and your books.
AML controls
Address screening, per-customer limits and travel rule data when the transfer requires it.
Exceptions and refunds
Alerts for partial, late or wrong-network payments, with a refund flow back to the customer.
Treasury decision
Hold the stablecoin or convert to fiat?
It is the decision that shapes the gateway. Holding the stablecoin keeps the payment on-chain and available at once. Converting instantly keeps your treasury in fiat, at the cost of relying on the off-ramp for every payment.
| Criterion | Hold stablecoin | Convert to fiat | Hybrid model |
|---|---|---|---|
| What your treasury receives | The stablecoin, in your own wallet or under custody. | Dollars or euros in your bank account, via off-ramp. | A share in stablecoin and the rest in fiat. |
| Main risk | Issuer risk, plus FX risk outside your currency. | Off-ramp hours and fees on every payment. | A split rule that has to be governed. |
| Reconciliation | Each payment is an on-chain transaction with its hash. | Two records, on-chain and bank, to match. | Both records plus the documented split rule. |
| Typical fit | Paying suppliers that already settle in stablecoin. | Merchants that only want fiat in their account. | Treasuries paying and collecting in several currencies. |
Before holding a stablecoin, check its issuer's status under the GENIUS Act in the US or as an e-money token issuer under MiCA in the EU.
Methodology
How we build your payment system.
Four phases, each with a concrete deliverable. We set networks, currencies and treasury rules before writing code, and no payment flow reaches production without testing its exceptions.
An RFC with the path of every payment, the networks and stablecoins accepted and what stays off-chain.
Screens where the customer sees amount, network and fee before signing, and the confirmation after.
Solidity payment contracts, the service that watches the network and the link to your on-ramp and ERP.
Every payment case tested with Foundry, Slither analysis and a testnet pilot before mainnet.
Tools for getting paid on-chain.
Solidity contracts on OpenZeppelin, the networks where payment stablecoins circulate and typed libraries to read every payment.
- Solidity
The smart contract language for verifiable rules on EVM networks.
- OpenZeppelin
Audited Solidity contracts for tokens, access control and upgradeable systems.
- Ethereum
EVM contracts, tokens and final settlement on an open Proof of Stake network.
- Base
An EVM layer 2 on the OP Stack with tools for building applications.
- Solana
Programs, accounts and parallel execution on a high-throughput layer 1.
- Viem
A TypeScript client for EVM networks, modular and strictly typed by design.
Use cases
Where we apply stablecoin payments.
Stablecoin payments fit where bank rails close, lag or cost too much, especially across borders and between machines.
International supplier payments
Cross-border transfers that settle on-chain at any hour, with a traceable record of every payment.
Blockchain for Banking & Finance
E-commerce checkout
One more payment method in your store, with conversion to fiat and automatic order reconciliation.
Blockchain for Fashion & Luxury
In-game micropayments
In-game purchases at amounts too small for a card payment, settled the moment they happen.
Blockchain for Gaming & Entertainment
Payment on delivery
Funds released to the carrier once delivery is confirmed, with a record of the milestone.
Blockchain for Supply Chain & Logistics
Reviews
What do our clients think of Metlabs?
“We structured the tokenization of real estate projects with them, and I value the team's ability to understand our corporate needs and genuinely solve them.”
Joan MejíaManager, GLOBYNE
“They advised us on the feasibility of tokenizing real estate assets in Uruguay with direct, cordial treatment. A professional team, responsive and always available.”
Álvaro Silva SantamaríaCEO, Sp Inmuebles
“Great professionals at structuring tokenized projects, with technical command and attention to detail that inspire full confidence at every stage of the work.”
Francisco BetancourtVerified Google review
“As a blockchain lawyer, I value their experience and professionalism in consulting and executing tokenization projects. Technology partners you can fully trust.”
Vanessa RivasBlockchain lawyer, El Salvador
“Great professionals, very attentive to their clients and always mindful of every detail. Working with their team has been a genuine pleasure from start to finish.”
CriptorentVerified Google review
“A very professional yet approachable company that empathizes with your doubts and needs. Highly recommended for entrepreneurs with a tokenization project.”
Javier EspasaTokenization entrepreneur
“Exceptional in every sense. From legal support I value their rigor and transparency: working with Metlabs means professionalism, innovation and security.”
Pedro A. Agúndez MéndezGoogle Local Guide
“Excellent service across blockchain development, asset tokenization and consulting. A very professional team that I recommend wholeheartedly, without reservation.”
José Luis DíazVerified Google review
“I have worked with them on several projects and they are very professional. A guarantee that everything turns out perfectly. Without a doubt, 100% recommended.”
Ignacio Fernández JiménezVerified Google review
“One of the pioneering firms in web3 solutions, digital assets and tokenization, recognized for its innovation and solid reputation across Spain and Latin America.”
Jorge CorredorLawyer, Rincón Cuéllar & Asociados
“Great professionals at structuring tokenized projects, with technical command and attention to detail that inspire full confidence at every stage of the work.”
Francisco BetancourtVerified Google review
“A very professional yet approachable company that empathizes with your doubts and needs. Highly recommended for entrepreneurs with a tokenization project.”
Javier EspasaTokenization entrepreneur
“I have worked with them on several projects and they are very professional. A guarantee that everything turns out perfectly. Without a doubt, 100% recommended.”
Ignacio Fernández JiménezVerified Google review
“We structured the tokenization of real estate projects with them, and I value the team's ability to understand our corporate needs and genuinely solve them.”
Joan MejíaManager, GLOBYNE
“As a blockchain lawyer, I value their experience and professionalism in consulting and executing tokenization projects. Technology partners you can fully trust.”
Vanessa RivasBlockchain lawyer, El Salvador
“Exceptional in every sense. From legal support I value their rigor and transparency: working with Metlabs means professionalism, innovation and security.”
Pedro A. Agúndez MéndezGoogle Local Guide
“They advised us on the feasibility of tokenizing real estate assets in Uruguay with direct, cordial treatment. A professional team, responsive and always available.”
Álvaro Silva SantamaríaCEO, Sp Inmuebles
“Great professionals, very attentive to their clients and always mindful of every detail. Working with their team has been a genuine pleasure from start to finish.”
CriptorentVerified Google review
“Excellent service across blockchain development, asset tokenization and consulting. A very professional team that I recommend wholeheartedly, without reservation.”
José Luis DíazVerified Google review
Team
In-house blockchain development team
Metlabs is a blockchain development company based in A Coruña, Spain. An in-house team covers every part of the project, from product and engineering to infrastructure and legal fit. The people who design your architecture write, test and deploy the code.
Meet the team- Projects in production
- +30
- In tokenized assets
- +$40M
- In‑house development
- 100%
Isaac González
Head of Innovation
Carlos Peña
Full Stack Engineer
Pablo Castro
DevOps Engineer
Helena Ramos
Product Designer
Javier Yáñez
Legal
Security
Security in stablecoin payments
Every delivery goes through the same checklist before it reaches mainnet. What changes between projects is the depth of each control, because an MVP does not carry the same risk as a contract that holds third-party funds.
Before mainnet
- Roles and permissions defined for every critical function
- Unit and invariant tests, and fuzzing on the logic that moves value
- Static analysis and peer review of every change
- Multisig and timelock on administration when the risk justifies it
- Custody and rotation of the deployment keys agreed
- External audit when the value at risk requires it
We work with leading audit firms
FAQ
Stablecoin payment questions
The customer sends a stablecoin such as USDC from a wallet to an address your gateway generates for that order. The transfer settles on the network once its block is confirmed. Your system then detects it, matches it to the order and keeps or converts the funds according to your treasury policy.
It has four parts. Order and address generation, a service that watches the network for incoming transfers, reconciliation with your ledger or ERP, and on-ramp and off-ramp through regulated providers. Before launch we add refunds, address screening and alerts for underpaid or wrong-network payments.
Usually through an authorized stablecoin issuer, with custody, compliance screening and ledger integration on the bank's side. The bank offers stablecoin collections or payouts in its own channels while its core system records each on-chain transaction. The issuer's regulatory status is the first thing to check.
Yes, in the main markets. In the US, the GENIUS Act, signed in July 2025, requires payment stablecoins to be fully backed by liquid reserves with monthly disclosure. In the EU, MiCA treats them as e-money tokens that only authorized credit or e-money institutions may issue.
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Let's build the rails for your product.
Tell us what you charge for, in which countries and how you want to receive funds. We start with the payment flow and the treasury policy.
