Stable Genius primary sources — 2026-05-02

Project status in this pass

• No canonical standalone whitepaper or litepaper surfaced.
• The clearest current source of truth is Stable Genius’s official site plus its docs corpus.
• The decisive signal in this pass was that the docs expose a fuller merchant-operations and settlement stack than the simple “accept USDC” homepage copy suggests.

Primary-source snapshots

1) Official site

• URL: https://www.stablegenius.co/
• Key excerpt:
  • The homepage says merchants can accept USDC in their shop while keeping funds under their own control.
  • It explicitly says payments go directly to a wallet only the merchant can access and that Stable Genius never holds, touches, or transfers merchant money.
  • That custody framing matters because the broader docs later describe proxy-contract-based merchant settlement and emergency withdrawal paths.

2) Docs homepage

• URL: https://docs.stablegenius.co/
• Key excerpt:
  • The docs homepage says Stable Genius lets terminals, apps, and checkout flows accept stablecoin payments with one API call to create a payment and one webhook when it is confirmed.
  • It also says the merchant receives USD in their bank account and highlights Base, Circle, Bridge (Stripe), and Plaid as core infrastructure partners.
  • The page positions the product as payment infrastructure, not just a consumer-facing wallet or QR app.

3) Docs index (llms.txt)

• URL: https://docs.stablegenius.co/llms.txt
• Key excerpt:
  • The index lists merchant onboarding, settlement, payment intents, webhooks, webhook security, payment and transaction retrieval, testing, online checkout, POS terminal integration, and an OpenAPI spec.
  • This is strong evidence that the product surface spans merchant onboarding, payment acceptance, operational settlement, and developer integration rather than only one hosted checkout flow.

4) How it works

• URL: https://docs.stablegenius.co/how-it-works
• Key excerpt:
  • The payment flow says integrators call POST /v1/payment-intents, receive a payment address plus an EIP-681 QR payload, display the QR, and then receive a payment_intent.confirmed webhook after on-chain confirmation.
  • The guide also says fees are split on-chain, the net amount settles to the merchant smart-contract wallet, and bank settlement happens via ACH afterward.
  • This is the clearest single page showing that Stable Genius is orchestrating both on-chain payment handling and off-chain merchant settlement.

5) API overview

• URL: https://docs.stablegenius.co/api-reference/overview
• Key excerpt:
  • The API docs describe a private-beta REST API at https://api.stablegenius.co/v1 with bearer-token auth, JSON request/response bodies, cursor pagination, version pinning, and rate limits.
  • That level of operational API detail makes Stable Genius look like a programmable payment control plane rather than a one-off merchant app.

6) Merchants

• URL: https://docs.stablegenius.co/concepts/merchants
• Key excerpt:
  • The merchant docs say onboarding includes account creation, KYC/KYB, bank linking via Plaid or manual entry, and deployment of a non-custodial proxy contract that receives payments.
  • The merchant object includes a payment address, settlement schedule, fee rate, and bank-account metadata.
  • The page also says integrators can manage multiple merchants through one API key, which is a strong platform/infrastructure signal.

7) Settlement

• URL: https://docs.stablegenius.co/concepts/settlement
• Key excerpt:
  • The settlement docs say customer USDC lands first in the merchant’s proxy contract, then scheduled or manual withdrawal routes funds to the banking partner for 1:1 USDC→USD conversion and ACH deposit.
  • The docs explicitly say Stable Genius never holds merchant funds and that merchants can use emergencyWithdraw() to bypass the service if needed.
  • This is the strongest custody-model evidence in the pass.

8) Webhook security

• URL: https://docs.stablegenius.co/api-reference/webhook-security
• Key excerpt:
  • The webhook docs specify X-StableGenius-Signature and X-StableGenius-Timestamp headers, HMAC-SHA256 verification, constant-time comparison, and 5-minute timestamp freshness checks.
  • This is another clue that Stable Genius is shipping operational-grade payment plumbing rather than only UI-level checkout tools.

Working conclusion

Stable Genius is best cataloged as a non-custodial merchant settlement control plane for stablecoin acceptance. The decisive evidence in this pass was the combination of merchant onboarding/KYC, bank-linked settlement, on-chain proxy contracts, payment-intent APIs, settlement lifecycle docs, and webhook-security guidance. The homepage promise is simple, but the docs show a much broader payments-and-settlement operating stack behind it.