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Notes from the layer.

Engineering, product, and compliance writing from the people building OpenSettle.

Featured·Product·Apr 10, 2026

Why non-custodial settlement is the real unlock for stablecoin billing

Custody creates regulatory friction, capital lock-up, and reconciliation lag. Here's why designing around it changes everything downstream.

Ines Calatayud · Co-founder, CEO·7 min read

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Engineering·Apr 2, 2026

How we made subscriptions feel like card-on-file without giving up self-custody

The ERC-20 allowance pattern is the quiet unlock. Here's how we designed subscriptions around it so customers pay us zero attention and merchants stop losing renewals.

Roo Arora9 min read

Compliance·Mar 20, 2026

SOC 2 Type I, six months in: the audits we didn't know we'd love

Auditors make you write things down. Writing things down made us better. A field report on what the SOC 2 process actually changes.

Harper Isayama5 min read