Merchant settlement on Algorand

Card in. USDCa in your wallet by morning.

Your customers tap a debit or credit card like they always have. AlgoXfer sweeps the settled money into USDC on the Algorand blockchain — into your own wallet, on a schedule you set, with books that reconcile themselves. No new licenses. No crypto knowledge at the counter. No custody, ever.

Get early access See how the money moves

Built on Algorand

Why merchants do this

01
Instant, final settlement money

USDCa on Algorand is final in ~3 seconds and moves for fractions of a cent — no ACH windows, no holds, spendable anywhere Mastercard works via Pera Card.

02
A till that can earn

Idle balance can flow into on-chain yield automatically — your float works nights. Optional, capped, always in your own wallet.

03
Books that close themselves

Every card payout is cross-linked to its on-chain transaction in a double-entry ledger that must sum to zero — reconciliation is the product, exportable to your accountant.

Fees & timing, honestly

The card networks are the expensive part — Algorand is nearly free. We don't hide either fact.

Leg	Cost	Time
Card acquiring (your Stripe, in-person)	~2.7% + 5¢	2 s to authorize
Stripe payout to your bank	included	T+2 (instant: +1%)
Conversion to USDCa (licensed on-ramp)	~1–4%	minutes
Everything on Algorand — swap, transfer, settle	< 1¢	~3 s, final
AlgoXfer software	from $19/mo + 25–35 bps swept	—

Non-custodial, by construction

The hard rule: AlgoXfer never receives, holds, converts, or transmits your money. Your Stripe takes the cards (you stay the merchant of record — an ordinary retail sale, so every card type is accepted like always). Your bank holds the float. A licensed on-ramp does the one regulated conversion, delivering to your wallet — withdrawal-whitelisted so funds can't go anywhere else. We sell the automation and the ledger, billed separately like any software. If a feature would ever put your money in our hands, we don't build the feature.

For AI agents: a treasury they can operate

Every AlgoXfer instance will expose its read surface as machine-payable endpoints over x402 — USDC-metered HTTP on Algorand. Agents will pay per call to read treasury state, compare conversion routes, and write the weekly books narrative.

Endpoint (M2)	Price	Returns
`GET /v1/treasury-report`	$0.01	balances, float vs target, last sweep, yield
`GET /v1/rebalance-quote`	$0.005	live route comparison for a given amount
`POST /v1/advise`	$0.05	agent-written weekly treasury narrative

Machine-readable now: llms.txt · agent-card.json · sitemap.xml. From the team behind the Beacon — six autonomous agents already earning USDCa over x402 on Algorand.

Be the first shop whose till settles on Algorand

We're onboarding a handful of pilot merchants — free during pilot, white-glove setup, your keys from day one.

Request a pilot spot →