One API for global subscriptions on USDT, USDC, and more. Funds settle direct to your wallet in the same transaction — we never touch them.
Trusted by modern B2B SaaS teams
One transaction. Three wallets happier.
The Router smart contract receives the payment and splits it atomically. Your share arrives in your wallet in the same block. Our fee arrives in ours. Nothing is held in between.
Everything you'd build yourself. Already built, atomically correct.
Six primitives that replace your homegrown crypto billing stack — without any of the custody, compliance, or capital requirements of a PSP.
Direct settlement, same block
Customers pay into your wallet, not ours. Same transaction, atomic split — your share arrives instantly, our fee arrives instantly, nothing is held in between.
Subscriptions that actually renew
Reminders, ERC-20 allowances, smart-wallet autopay. Choose the authorization that matches your customer — and stop losing renewals to self-custody friction.
Non-custodial by design
We never hold your funds — or your customers'. No reserves, no payout delays, no custody risk, and a much smaller regulatory surface.
Reconciliation that actually balances
Every payment with tx hash, block height, chain fee, platform fee, and customer reference — exportable in your GL's exact schema.
Webhooks that don't lie
Signed, idempotent, with exponential retries and a full delivery log. If your API takes a breath, ours waits.
Six networks, one API
Tron USDT, USDC on Base, Polygon, Arbitrum, Solana, and Ethereum. Add more with one config change — never a migration.
Look around. Every surface is this considered.
Click through the surfaces your team, your customers, and your accountants will touch. No static screenshots — these are the actual components that ship.
A Stripe-shaped API — but non-custodial, on-chain, and global.
If you've integrated Stripe once, you've integrated OpenSettle. Same resources, same idempotency, same webhook model — plus the primitives crypto needs: chains, tokens, and wallet authorization.
- Typed SDKs for Node, Python, Go, Ruby
- Signed webhooks with idempotency keys
- Test-mode with deterministic replay
- OpenAPI spec + CLI + dashboard in one
import { OpenSettle } from "@opensettle/sdk";
const os = new OpenSettle({ apiKey: process.env.OPENSETTLE_SECRET });
// Create a recurring subscription for a customer
const subscription = await os.subscriptions.create({
customer: "cus_9fX0a2E1",
price: "price_pro_monthly",
settlement: {
chain: "base",
token: "USDC",
wallet: "0x7a42F4b9Fb8c6E0A93fD1e7c2b19AaE21Bf88D5c",
},
autopay: "allowance",
});
// Funds settle direct to your wallet on every charge.
return subscription;The card-on-file problem, solved three ways.
Crypto wallets don't auto-charge like cards. So we built the whole spectrum — meet every customer where their wallet is, and stop losing renewals.
Invoice & pay
Customer gets a renewal link by email and in-app. One click, one signature, renewed. Works on every wallet on every chain.
ERC-20 allowance
Customer approves a spending cap once. We pull the monthly charge automatically on renewal — revocable any time. The card-on-file of crypto.
Smart-wallet autopay
Session keys with time and spend caps. Completely hands-off for the customer, ERC-4337 native. Ready when your customers are.
Every other billing tool, and what they can't do.
The kind of comparison we'd run before we bought something. Honest, side-by-side, without hiding the tradeoffs.
| Capability | ≡OpenSettle | Stripe | Coinbase Commerce | Wise Business |
|---|---|---|---|---|
| Non-custodial settlement | Yes | No | No | No |
| Direct-to-wallet payouts | Yes | No | No | Limited |
| Six chains, one API | Yes | No | Limited | No |
| Recurring stablecoin subscriptions | Yes | No | No | No |
| ERC-20 allowance autopay | Yes | No | No | No |
| Chargebacks | None | Yes | None | None |
| Settlement time | ~12s on-chain | 2–7 days | ~12s on-chain | 1–2 business days |
| Reserves or holdbacks | No | Yes | No | Yes |
| KYC on end customers | No | Limited | Yes | Yes |
| Regulatory footprint | Software | Money transmitter | MSB | EMI / MSB |
| Fees | 2% → 1% on volume | 2.9% + 30¢ | 1% flat | 0.5–1% + FX |
Last verified April 2026. We update this table each quarter — you can see the detailed methodology.
As covered in
Transparent, tiered, and it goes down as you grow.
One fee, split atomically on-chain. No monthly minimums, no reserves, no capital requirements. The merchant's share settles direct to their wallet in the same transaction.
- All chains
- All subscription modes
- Hosted checkout
- Webhooks & SDKs
- Priority support
- Reconciliation exports
- Team roles
- Branded checkout
- Revenue analytics
- Dedicated engineer
- SLA 99.95%
- SOC 2 report
- Volume pricing
- White-glove onboarding
- Embedded SLAs
- Strategic partnership
Infrastructure, not a bank.
OpenSettle is deliberately structured as a software platform — not a payment processor. The difference shows up in every part of your experience, from day-one onboarding to the legal review your counsel will run.
We don't hold your money.
OpenSettle is not a custodian, money transmitter, or exchange. Your customers pay directly to your wallet — we orchestrate the rails.
Sanctions screening on every wallet.
Chainalysis sanctions addresses blocked before quote. OFAC coverage out of the box, no extra integration.
SOC 2 Type I, Type II in progress.
Audited controls on access, change management, and infrastructure. Full report available under NDA.
Operable from 140+ countries.
Because we don't touch funds, we don't need a money-services license in every jurisdiction you sell to.
The questions
every team asks.
And the ones your counsel will. Nothing buried, nothing hedged.
Free to start, 2% to scale, 1% when you're winning. No reserves, no payout delays, no custody. Just billing.