Stablecoin rails that survive the audit.
For remittance companies, OTC desks and businesses settling in USDC or USDT: we build the financial backend — quoting, compliance, ledger and reconciliation — that turns a stablecoin transfer into an operation your bank and your auditor accept.
This is a financial backend project that happens to use a blockchain.
USDC and USDT are contracts that already exist on Ethereum, Polygon, Arbitrum or Solana. You don't need new smart contracts to move them. Most of the work is ledger, compliance, approvals and reconciliation — closer to building a small bank than a Web3 app. And the bank leg is where most of these operations get stuck.
Three operations we keep being asked to build.
Cross-border remittances.
“Send value between countries in stablecoins, with local on- and off-ramps at each end.”
OTC / execution desk.
“Quote and settle large USD ↔ stablecoin trades for companies and family offices, without a public order book.”
Business settlement.
“Pay suppliers or collect from customers abroad in USDC, reconciled with our accounting.”
Four modules you build. The rest, you buy.
Quoting & execution
RFQ to several liquidity providers, firm quotes with expiry, spread management, failover between providers and a record of every quote received — the evidence of best execution.
Double-entry ledger
Append-only, event-based ledger in a boring, proven database. In a non-custodial model it tracks obligations and settlement states, not client balances. Strict idempotency, so retries never duplicate money.
Reconciliation
Bank statements, on-chain transfers and the ledger matched automatically, with an exceptions queue for humans. Nobody sells this, because it crosses your bank, your wallets and your ledger — and it's typically a third of the real effort.
Controls & audit trail
Approval workflows by amount, four-eyes and segregation of duties enforced by the software, role-based access, MFA, an immutable hash-chained audit trail and a compliance dashboard exportable to your supervisor.
How a trade flows.
QUOTE
Client requests a price for an exact amount
RFQ to several providers
Firm quotes with seconds of validity
Best quote plus spread shown to client
Client accepts before expiry
SETTLE
Client wires USD
Desk confirms receipt and funds the provider
Provider sends stablecoins straight to the client's verified wallet; ledger reconciles
In a non-custodial design, the stablecoin never touches the desk.
Buy what's certified. Build what's your business.
- KYC / KYB / UBO, sanctions and PEP screening
- Wallet screening and transaction monitoring (KYT)
- Travel Rule messaging
- MPC custody and signing policies, if you touch funds
- USD banking rails and payment providers
- RFQ engine and pricing logic
- Double-entry ledger
- Bank + chain + ledger reconciliation
- Approval workflows
- Audit trail and compliance/ops dashboards
We integrate the providers auditors already recognize — Sumsub or Persona for identity, Chainalysis, TRM or Elliptic for on-chain screening, Fireblocks-class MPC when custody is unavoidable — and build the parts no vendor can sell you.
Someone has to move first.
There's no atomic settlement between a bank wire and a blockchain transfer. Either the client pays first, the liquidity provider delivers first against a credit line, or an escrow holds both sides. That choice sets client limits, approval rules, ledger states and contracts. It's a business and risk decision — and it has to be closed before we quote the build.
Who does what.
Is this for you?
- You have liquidity providers and a banking partner committed, or in advanced talks.
- Your license is granted or well under way, with regulatory counsel engaged.
- You know who operates the desk on day one, including compliance.
- You've decided — or are ready to decide — custodial vs. non-custodial and who moves first.
- Securing the bank or the liquidity is still part of the plan.
- The expectation is that software replaces the compliance officer.
- You're looking for a white-label exchange to launch next month.
“Not yet” doesn't mean no. It means Discovery comes first.
Five phases, from settlement model to go-live.
Settlement model, custody decision, build-vs-buy with vendors, ledger design, firm price.
2–3 weeksDouble-entry ledger, KYC/KYB integration, verified wallets.
4–6 weeksRFQ engine, provider integrations, settlement states, on-chain watchers.
4–6 weeksBank/chain/ledger matching, approvals, audit trail, dashboards.
4–6 weeksExternal security review, BCP/DR tests, production, handover.
3–4 weeksNothing ships without the paperwork.
Nothing goes to production without a closed regulatory structure and an approved external security audit.
Every project starts with a fixed-price Discovery.
Before a single line of contract code, we turn your business model and your counsel's structure into a technical blueprint: architecture, data or token model, integrations, network choice, risks and a firm price for the build. You own the document. If you build with someone else, it still works for you.
- Fixed price, not hourly
- 1–3 weeks
- Working sessions with your team (and your lawyer, when relevant)
- Firm quote for the rest
You don't build without architectural plans. Discovery is the plan for the digital part.
Check what we've built before you talk to us.
Contracts you can verify.
Smart contracts deployed on BNB Chain / opBNB (ERC-721, ERC-8004 agent identity). Addresses public on the explorer.
Stablecoin and trade-finance builds.
Builder in Web3 infrastructure challenges in Dubai: SME trade finance on Polygon and USDC payments between AI agents.
Field data in production.
Our IoT + AI monitoring for Detecta Security cut theft attempts by 90% — the same capture discipline our traceability systems rely on.
Two bases, two markets.
Entities in Dubai and Santiago de Chile, serving LATAM and the GCC.
We'll show you exactly what we've shipped — and what we haven't — on the first call.
What technical buyers ask first.
Usually not. Stablecoins are already deployed. Contracts only come in for specific needs such as escrow or programmatic payouts.
If providers settle directly to the client's verified wallet, you act as an execution agent, not a custodian. That removes key management for third parties and a large part of the regulatory burden — and puts settlement risk at the center of the design.
Almost certainly, but which one depends on your jurisdiction and model. Your regulatory counsel defines it; we build the controls it requires.
An order-book exchange is a different business with different licensing and risk. Most of the requests we see are better served by an RFQ desk or a settlement system. Discovery clarifies which one you actually need.
USDC and USDT on the networks where your providers and clients operate — commonly Ethereum, Polygon, Arbitrum, Solana or Tron. The ledger stays network-agnostic.
Reconciliation and settlement risk. Moving tokens is easy; proving at the end of every day that the bank, the chain and the ledger agree is not.
Buy what requires certifications or proprietary data. The parts that define your business — pricing, ledger, reconciliation, approvals — are where off-the-shelf systems force you into someone else's operating model.
Financial and distributed backend engineering, on-chain builds you can verify, and stablecoin payment builds in Web3 infrastructure challenges. On the first call we'll show you precisely what we've built and what we haven't.
Tell us about the operation.
Corridors or pairs, expected ticket size, license status and whether your liquidity and banking partners are in place.
Someone has to move first.
Braincoders is a technology provider. We do not provide legal, tax, investment or regulatory advice, do not structure or offer securities, do not raise capital and do not hold client or investor assets. Legal structure, offering regime, asset certification, custody and security audits are handled by the client and independent specialists.