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EURC ON BASE · WHITELABELLED SETLMENT INFRASTRUCTURE

The money arrives the moment the service does.

Every business that takes payment before it delivers sits on a float: cash held in limbo between pay and deliver. Setlz turns that gap into instant, whitelabelled setlment, at 40% below what they pay today.

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SETLMENT STREAM SIMULATED FLOW · RAIL BUILT AND TESTED END TO END
SETLD

    02 · THE RACE

    Send one payment down both rails.
    Watch which one comes back.

    THE HOLD IS POLICY. THE SPEED IS PHYSICS.
    0.0s
    Traditional rails CARDS + BANK PAYOUT · T+2
    WAITING
    Setlz EURC ON BASE
    WAITING

    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.

    UNDER 30 MIN · DELIVERY TO PROVIDER PAID · LIVE RUNS 11 MIN · FIAT TO STABLECOIN TO FIAT ROUND TRIP* 99.9% · SETLMENT UPTIME

    *BOUNDED BY OUR OWN 20-MINUTE SETLMENT CRON JOB, NOT A RAIL LIMIT.

    03 · WHAT IT IS

    A setlment engine: any payment in, setld in EURC on Base in seconds, split atomically, under your brand.

    LEGACY RAILS: DAYS · SETLZ: ABOUT 11 MINUTES

    DELIVERY TO PAYOUTMinutes
    SETLMENT EXECUTIONCents
    OWNERSHIPWhitelabel
    PRICE VS INCUMBENTS40% less

    04 · HOW IT WORKS

    Fiat in. Stablecoin speed. Fiat out.

    01

    Pay in

    Cards, Apple Pay, bank transfer. Your customer sees your brand, never ours.

    02

    Setl to escrow

    EURC on Base, final in seconds.

    03

    Hold by rule

    Programmable, API-defined per customer: check-in, proof of delivery, milestone.

    04

    Split

    Atomic: payout, margin, budgets. No reconciliation.

    05

    Pay out

    Near-instant, with native on and off ramps.

    BASE NETWORKEURCON-CHAIN WALLETSKYC/AML INTEGRATEDEU GEO-RING-FENCINGIDLE-BALANCE TREASURY ROUTINGPROGRAMMABLE ESCROW

    One engine, every currency.

    The engine is coin-agnostic. The currency is a corridor decision.

    EURCLIVE USDCLIVE GBP AND OTHER LOCAL-CURRENCY STABLECOINSINTEGRATION-READY A NEW COIN IS CONFIGURATION, NOT A REBUILD

    e.g. tGBP, issued by an FCA-registered firm, live on Base. Ecosystem example, not a partnership.

    Compliance: obligation yours, tooling ours.

    Your policy, executable on our rails.

    PLUGGABLE KYC: BRING YOUR PROVIDER OR USE THE PRE-WIRED INTEGRATION AML SCREENING HOOKS JURISDICTION GEO-FENCING TRANSACTION-LEVEL REPORTING

    Screening as a release condition: an escrow can be programmed not to release until your own checks pass.

    05 · THE HOLD

    Instant does not mean reckless.

    Every marketplace needs a gap between payment and payout. On Setlz, funds setl in seconds into on-chain escrow, fully reserved and lent to no one, and release is a rule you write.

    01 PAYMENT
    + ANY BASE STABLECOIN
    INTERACTIVE DEMO · SIMULATED TRANSACTIONS
    PAYER €1,000 PAYS VIA CARD READY
    ESCROW · ON-CHAIN AWAITING PAYMENT
    €0
    SELLER €880 AWAITING
    PARTNER €20 AWAITING
    PLATFORM €100 AWAITING

    Setlz in EURC today. Engineered for any Base-native fiat stablecoin.

    Chargebacks are buyer protection by lawsuit. Escrow is buyer protection by design.

    06 · THE COMPARISON

    Why traditional rails lose.

    CAPABILITY DEMONSTRATION · SIMULATED TRANSACTIONS AND TIMESTAMPS
    SETLZ
    ON-CHAIN FINALITY0.0s
    BANK CREDITSEPA INSTANT ยท PENDING
    NETWORK COSTUNDER $0.01*
    FXBASIS-POINT SPREAD ON DEEP POOLS

    *ON-CHAIN SETLMENT COST. OFF-RAMP PROVIDER FEE APPLIES.

    INTERNATIONAL WIRE
    ELAPSEDNOT STARTED
    FEES$0
    HOPS4 TO 5 INTERMEDIARIES
    FX MARGIN1 TO 4% HIDDEN IN THE RATE
    AVAILABILITYBANKING HOURS ONLY

    TYPICAL INTERNATIONAL WIRE CHARGES. FX MARGIN APPLIES ON TOP OF THE $30 TO 40 IN FEES.

    Setlz CARDS + BANK PAYOUTS
    SetlmentSecondsT+2 or worse
    CostNear zero on-chain2 to 6% plus FX spread
    FXTransparent on-chain swap, basis-point spreads on deep pools1 to 4% margin hidden in the exchange rate
    Cross-borderNativeCorrespondent banking
    SplitsAtomic and programmableManual reconciliation
    ChargebacksNone on-chainWeeks of exposure
    Uptime24/7Banking hours

    Every row above is money. Faster setlment is working capital. Lower cost is margin. No chargebacks is fewer write-offs.

    Two lines. One rail.

    Licence at cost. Transactions for profit.

    Licence, at cost: onboarding, integration, support. We make money only when you transact.

    Transaction fee: a thin fee per transaction setld, 40% under card processors. The customer keeps the difference.

    07 · WHY SETLZ WINS

    Crypto rails exist. Almost nobody has built commerce on them. We did.

    Three camps: accounts that hold your money, rails that move it, orchestrators that dress up the old system. None of them setl a transaction end to end. We built the layer that does. Everyone sells the plumbing. We sell the appliance.

    CAMP ONE

    Crypto neobanks

    REVOLUT · NEXO · THE CRYPTO-ACCOUNT CROWD

    They are accounts, not engines. An account cannot take a payment, setl it, split it four ways, and hold it against a condition, in the same breath.

    • An account holds money on its balance sheet. An engine moves it, splits it, and accounts for it, with every escrow visible to both sides on-chain.
    • Escrow is a three-party instrument. An account cannot hold funds between a buyer and a seller against a condition.

    Crypto neobanks solved spending crypto. Nobody spends their way to a setld marketplace.

    CAMP TWO

    Stablecoin setlment layers and rails

    BRIDGE · BVNK · ZERO HASH · PEERS

    They built the pipe and called it plumbing done. A transfer leg is maybe 20% of what a transaction needs. The other 80% is the hard part: escrow, triggers, compliance hooks, ramps, treasury, atomic splits.

    • They hand you virtual accounts and payout APIs, then leave you to build the escrow, the delivery trigger, and the branded logic yourself. That layer is the product. It is what we build.
    • Setlz was built the other way: a marketplace needed to setl real bookings, so we built the engine underneath it and tested it end to end with AtlasOra, inside a full MoR and TOMS wrapper.
    • Multi-coin by design: EURC-native for EU flows, USDC live for dollar corridors, any Base-native fiat stablecoin integrable with minimal effort. Dollar-only rails solve one corridor. Coin-agnostic engines solve the map.

    Rails are a feature. Setlment is a system. We sell the system.

    CAMP THREE

    Platform-payment orchestrators

    STRIPE CONNECT · ADYEN FOR PLATFORMS · MANGOPAY · WISE PLATFORM

    World-class orchestration of legacy rails. Payouts still ride T+2 banking, percentage-based costs, and banking-hours cut-offs.

    Setlz does not orchestrate the old system. It replaces it: seconds to finality, atomic splits, 24/7.

    THE PART THEY CANNOT COPY FROM A WHITEPAPER

    Every competitor above shares one trait: their setlment engine was never built underneath a real marketplace by the team that runs it. Ours was. Every feature exists because a real booking, a real host payout, or a real dispute demanded it.

    Infrastructure built from a whitepaper guesses. Infrastructure built from a working marketplace knows.

    Not one feature. Compounding defensibility.

    Regulatory position: the per-vertical liability and merchant-of-record posture, plus regulated partnerships. Legal work, time and capital to rebuild.

    Integration depth: wired into the customer's PMS, TMS or dispatch system. Removing us means re-plumbing operations.

    Trigger and dispute library: every completed vertical is edge-case data the next entrant does not have.

    Could Stripe build this? It owns the parts. Owning the parts is not assembling the product, and horizontal providers are built not to.

    Why now.

    REGULATION LIVE · MiCA AND THE US GENIUS ACT DEMAND IS PULL · 77% OF CORPORATES WANT CROSS-BORDER SETLMENT ON STABLECOINS RAILS COMMODITISED · SETLMENT COST DROPPED TO CENTS

    77% figure: EY-Parthenon, 2025. Other figures from public industry research.

    Built on Circle's EURC. Native today, engineered for every currency that follows.

    08 · USE CASES

    Proven on one marketplace. Built for many.

    BUILT AND TESTED WITH ATLASORA

    Short-term rental marketplaces

    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.

    OUR INDUSTRY · BUILT AND TESTED · CORRIDORS EXPLORATORY

    Travel supply setlment

    Suppliers wait on monthly cycles or virtual cards at 2 to 3% typical cost. Setlz pays them seconds after checkout, commission and tax split atomically.

    The supplier ledger clears itself at checkout.

    EXPLORATORY

    Property management money flows

    Rent collected, split atomically: owner, management fee, maintenance reserve. Damage holds on holiday and equipment rentals release by rule.

    Owner statements stop being a month-end project.

    ANY VERTICAL · EXPLORATORY

    Marketplace payouts

    A platform paying 5,000 sellers across 12 countries reconciles bank files every Friday. On Setlz the split executes the moment the buyer pays.

    Reconciliation stops being a department.

    EXPLORATORY

    Logistics and freight

    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%.

    Delivered means paid.

    EXPLORATORY

    Fintech and PSPs

    Platforms that need a whitelabelled setlment layer without becoming a processor themselves. The rail plugs in under their brand.

    A processor's capabilities without becoming one.

    EXPLORATORY

    Commodities and documentary trade

    Milestone escrow does the work of a letter of credit (typically around 1% and days to weeks to arrange): funds locked at contract, released against shipping documents.

    The paperwork becomes the release rule.

    EXPLORATORY

    Creator and campaign escrow

    Brands fund campaigns into escrow, release on deliverable approval, split to creator, agency, and platform in one transaction.

    Approval is the payment run.

    EXPLORATORY

    Ticketing and events

    Ticket funds sit in escrow until entry validates, then setl to the organiser instantly. Cancellations run the refund path, not a chargeback war.

    The gate scan is the setlment event.

    CAPABILITY LIVE IN INTERNAL TESTING

    Platform treasury

    Multi-entity groups move funds between their own companies across borders in seconds, no correspondent hop, 24/7.

    Your float works the same hours your platform does.

    The pattern is universal. If money waits on a condition, splits between parties, or crosses a border, it runs on Setlz.

    CONSTRUCTION MILESTONE PAYMENTS CONTRACTOR PAYOUT AGGREGATORS ROYALTY AND REVENUE-SHARE SPLITS AUCTION SETLMENT PRIZE POOLS AND TOURNAMENT PAYOUTS PRE-ORDER AND GROUP-BUY ESCROW EQUIPMENT RENTAL DAMAGE HOLDS GRANT AND AID MILESTONE DISBURSEMENT HIGH-VALUE GOODS ESCROW (VEHICLES, WATCHES, ART) ACQUISITION EARNOUTS FRANCHISE REVENUE SPLITS AFFILIATE AND AD NETWORK PAYOUTS

    09 · TEAM

    Built the rail. Tested end to end.

    Setlz is built by the team that designed, shipped and runs the setlment rail for AtlasOra, our reference customer. Real infrastructure, not a slide.

    Samuel Dreier CEO · BUILD AND COMMERCIAL

    Serial entrepreneur: three ventures across fintech, commodities and logistics, the first at 18.

    Jake Crocker CTO · THE RAIL ITSELF

    Built the rail, escrow system and live PMS integrations. Shipped and in production.

    Andrew Deighan MARKETPLACE CEO · REFERENCE CUSTOMER

    Runs AtlasOra, the rail's first and proving customer.

    Edison Dalani CFO · FINANCE

    Ex-Expedia finance leader: treasury, controls, regulated payments.

    Mark Mosley COO · OPERATIONS

    Scales onboarding, operations and the integration pipeline.

    Adam Bates CMO · GO-TO-MARKET

    Ex-BBDO partner: brand and demand for the B2B motion.

    ROLES SHOWN ARE SETLZ-SPECIFIC; SEVERAL ARE SHARED WITH ATLASORA, OUR REFERENCE CUSTOMER.

    10 · GET A DEMO

    See it setl on your numbers.

    Twenty minutes, your flows, live on Base testnet. We will run your payout split through the engine while you watch.

    BUILT AND TESTED ON BASE EURC-NATIVE ESCROW HELD BY RULE

    DEMO SITE. FORM NOT YET CONNECTED. NO DATA IS STORED OR TRANSMITTED.