EURC on Base · whitelabelled settlement infrastructure
Settling Representative of tested runs, not a live feedAn illustrative settlement, not a live feed. Amounts and timings are representative of tested runs.
Every business that takes payment before it delivers sits on a float. Setlz closes it the moment delivery lands.
What it is
A settlement rail they own, not rent: any payment in, settled in EURC on Base in seconds, split atomically, under your brand.
How it works
Cards, Apple Pay, bank transfer. Your customer sees your brand, never ours.
EURC on Base, final in seconds.
Programmable, API-defined per customer: check-in, proof of delivery, milestone.
Atomic: payout, margin, budgets. No reconciliation.
Near-instant, with native on and off ramps.
The engine is coin-agnostic. The currency is a corridor decision.
Your policy, executable on our rails.
Screening as a release condition: an escrow can be programmed not to release until your own checks pass.
The hold
Every marketplace needs a gap between payment and payout. On Setlz, funds settle in seconds into on-chain escrow, fully reserved and lent to no one, and release is a rule you write.
Settled. Final. Held by rule, not by banks.
Visible to both sides. Verifiable by both sides.
On card rails this money would still be in flight, and clawable for up to 120 days.
Setlz in EURC today. Engineered for any Base-native fiat stablecoin.
Chargebacks are buyer protection by lawsuit. Escrow is buyer protection by design.
Setlz is not a concept. The rail, escrow, delivery triggers and integrations are built and tested end to end, across repeated runs with AtlasOra: our first reference customer.
Anatomy of a settlement
Open any settlement to see what actually happened: capture, escrow, the rule that held it, and the split that fired the moment the condition was met. Three payouts, one transaction, no reconciliation afterwards.
The comparison
| Capability | Setlz | Cards + bank payouts |
|---|---|---|
| Settlement | Seconds | T+2 or worse |
| Cost | Near zero on-chain | 2 to 6% plus FX spreadTypical published card and correspondent-banking rates. They vary by acquirer, region and card mix, so treat them as a range rather than a quote. |
| FX | Transparent on-chain swap, basis-point spreads on deep pools | 1 to 4% margin hidden in the exchange rateTypical published card and correspondent-banking rates. They vary by acquirer, region and card mix, so treat them as a range rather than a quote. |
| Cross-border | Native | Correspondent banking |
| Splits | Atomic and programmable | Manual reconciliation |
| Chargebacks | None on-chain | Weeks of exposure |
| Uptime | 24/7 | Banking hours |
Every row above is money. Faster settlement is working capital. Lower cost is margin. No chargebacks is fewer write-offs.
Pricing
Licence at cost. Transactions for profit. The licence covers onboarding, integration and support, and is priced to cover cost rather than to earn: we make money only when you transact.
Where the number comes from. Card processors charge roughly 2 to 6%Typical published card and correspondent-banking rates. They vary by acquirer, region and card mix, so treat them as a range rather than a quote. for less. At the mid-market tier our blended fee is about 150 bps against a typical card cost near 250 bps, which is the 40% gap the rest of this page refers to. Arithmetic on two figures, not a slogan.
What you are paying for. Not the rail, which costs cents, but the whitelabelled vertical product on top: the escrow, the delivery triggers and the structure you would otherwise build yourself.
Indicative. Priced per corridor and settled volume, and confirmed in writing before onboarding.
Why we win
Three camps compete for this: accounts that hold your money, rails that move it, and orchestrators that dress up the old system. None of them settles a transaction end to end. We built the layer that does, underneath a real marketplace, which is why the trigger and dispute logic exists at all. The full comparison, camp by camp.
In the last 18 months the rails became legal, wanted and cheap. Those three things are what changed, and each of them is checkable.
Built on Circle's EURC. Native today, engineered for every currency that follows.
Use cases
The common thread is a float between payment and delivery. The same rail settles freight, fintech, escrow and any marketplace holding customer funds before it delivers. Identical mechanics, different trigger event.
A property manager on the Costa del Sol waits days for payouts and loses 15.5% to the incumbent's mandatory host commission. On rails like Setlz, a marketplace can run at 10% all-in and pay hosts in minutes, not days.
That 5.5-point gap is the difference between renting your rails and owning them.
Shipper, forwarder, and carrier splits release on proof of delivery. Carriers stop waiting 30 to 90 days and stop factoring invoices at 1 to 5%.
A platform paying 5,000 sellers across 12 countries reconciles bank files every Friday. On Setlz the split executes the moment the buyer pays.
The same mechanics run travel supply, property management, fintech and PSPs, commodities and documentary trade, creator campaigns, ticketing, and platform treasury. See all verticals.
Live: the rail is built and tested end to end, running with AtlasOra as our first reference customer. Next: once the marketplace launch validates the rail publicly, a freight and a fintech deployment extend the proof across float profiles. Exploratory: stablecoin infrastructure partner conversations open once there is a live public reference.
Team
Setlz is built by the team that designed, shipped and runs the settlement rail for AtlasOra, our reference customer. Real infrastructure, not a slide.
Serial entrepreneur: three ventures across fintech, commodities and logistics, the first at 18. Cross-jurisdiction operations and deal-closing.
Built the settlement rail, escrow system, Experience Wallet and live PMS integrations. Shipped and in production.
Ran global marketing for Cardano (IOHK), one of the largest blockchain networks by market cap. Ex-BBDO partner: Virgin, Emirates, London 2012.
Co-founder and product lead. Fintech founder; CEO of AtlasOra, the rail's first and proving customer.
Ex-Expedia finance leader: treasury, controls and the numbers behind a regulated payments business.
Scales onboarding, operations and the integration pipeline that brings each new client live.
Founders build and sell, reinforced by senior fintech and regulated-payments advisors we are bringing on.
Roles shown are Setlz-specific; several are shared with AtlasOra, our reference customer.