DoorDash, Stripe, Coastal, ARQ, and more are bringing stablecoin payment flows into production on Tempo. Today, Tempo is also launching Stablecoin Advisory, a hands-on practice that brings the expertise behind these partnerships to every company evaluating bringing payments onto stablecoin rails. Learn more →
Enterprises and financial institutions are increasingly turning to stablecoins to move money faster, reduce costs, and simplify global payment operations. But getting from interest to production means navigating payments, compliance, custody, and infrastructure decisions that require a depth of stablecoin expertise most companies don't have in-house.
Building Tempo for real-world payments use cases
Over the past year, Tempo has been working directly with design partners across industries to integrate stablecoins into real payment operations. Companies like DoorDash, Shopify, and Coastal came to Tempo with specific problems: global payouts that took days and cost too much, payment infrastructure fragmented across dozens of markets, and growing demand for instant settlement.
Working with these partners shaped how Tempo is built today. With input from fintechs and Fortune 500s, these companies' requirements pushed us to solve for the things enterprise payment teams actually care about: scale, reliability, compliance, privacy, and cost predictability.
Those requirements are now built into Tempo, with features like dedicated payment lanes for guaranteed throughput, fixed dollar-denominated fees, virtual addresses for clean reconciliation at scale, programmable account controls for compliance teams, and Tempo Zones for private stablecoin payments where only the parties to a transaction see the details.
Now, Tempo's design partners are bringing stablecoin payment flows into production. Here's a preview of how enterprises on Tempo are upgrading their payment operations with stablecoins.
DoorDash
DoorDash operates a three-sided marketplace across 40+ countries, enabling payments between consumers, merchants, and Dashers in every transaction. Each market brings different payment rails, FX dynamics, and settlement timelines which adds meaningful complexity.
"There's real promise with stablecoins transforming financial infrastructure, not just in America, but globally. We want to be a proactive participant and not just passive."
— Andy Fang, Co-founder, DoorDash
Now, DoorDash is working with Tempo to bring stablecoin-powered payouts to its global marketplace, starting with the flows where faster, more affordable settlement creates the most value for merchants.
Stripe
As stablecoin demand grew across Stripe's customer base, Stripe needed blockchain infrastructure that could match its scale, reliability, and cost requirements for global payments. General-purpose blockchains built for trading and DeFi introduced unpredictable fees, throughput constraints, and operational complexity that didn't fit Stripe's payment workloads.
"It should be easy and instant to move money anywhere in the world. That's the promise of programmable financial services. As we bring stablecoin infrastructure into more Stripe products, we're delivering on that promise at scale—so every Stripe user can benefit from faster, cheaper, borderless money movement."
— Neetika Bansal, Head of Connect and Money Management at Stripe
Now, Tempo serves as core blockchain infrastructure powering Stripe's money management capabilities, letting millions of businesses hold, send, and receive stablecoins directly from Stripe. When a business sends a payout to a contractor abroad or a platform distributes earnings to sellers across 100+ countries, Tempo is the settlement layer making those transactions fast and low-cost via stablecoins.
Coastal Bank
Coastal Bank is a regulated sponsor bank that powers financial products for fintech partners ranging from early-stage companies to mature platforms operating at scale. As those partners increasingly needed faster, lower-cost payment capabilities, Coastal needed stablecoin infrastructure that could sit alongside its existing rails without introducing compliance risk or operational complexity.
"What was particularly interesting about Tempo was here's a partner focused on a payments-first use case and focused on how we can enable the next generation of money movement. Faster payments, more efficient payments, and safer and more secure payments."
— Ryan Hall, Chief Product Officer, Coastal Bank
Coastal is building stablecoin-native payment infrastructure on Tempo alongside its existing rails, giving its fintech partners access to faster settlement, lower costs, and global reach through a single integration.
ARQ
ARQ is a financial services platform serving over 2 million customers across Mexico, Colombia, Argentina, and Brazil, processing more than $10 billion in annualized transaction volume on stablecoin infrastructure. As it scaled, ARQ needed a settlement layer that could keep pace with growing volume while keeping costs predictable.
"From day one, Tempo understood what we were building, moved with urgency, and offered the infrastructure, product vision, and long-term alignment we needed to scale ARQ."
— Zach Garman, Co-founder and CPO, ARQ
Now ARQ runs its stablecoin payment infrastructure on Tempo, gaining direct control over settlement costs and the performance characteristics its products depend on at scale.
DoorDash, Stripe, Coastal, and ARQ are among the first enterprises and financial institutions bringing payment operations onto Tempo. We'll also be sharing stories from Felix, Klarna, Shopify, Visa, and more over the coming weeks.
Why Tempo
Tempo is a blockchain purpose-built for payments, incubated by Stripe and Paradigm. Unlike general-purpose blockchains designed for trading and DeFi, Tempo was built from the ground up for enterprise payment teams.
- Sub-second finality. Transactions finalize in under a second with deterministic settlement. Payment operators get the same settlement certainty they expect from existing financial systems.
- Predictable, dollar-denominated fees. Transaction fees are paid in stablecoins and stay predictable at any volume, with no need to hold a native token and no fee spikes. Payment applications operate entirely in the same currency as their underlying flows.
- Dedicated payment lanes. Payments have guaranteed blockspace reserved at the protocol level, so a surge in other network activity never affects payment throughput or latency.
- Tempo Zones for private payments. Zones enable private stablecoin payments where only the parties to a transaction see the details. For enterprises that need payment privacy without sacrificing compliance, Zones provide confidential transactions with selective disclosure to authorized parties. Learn more →
- Payments metadata. Each transfer can include structured memo fields for invoice numbers, cost centers, and other identifiers, making reconciliation against existing ERP, TMS, and accounting systems straightforward.
- Native account abstraction. Spend permissions, transaction batching, fee sponsorship, and passkey authentication are built in, so you can batch thousands of payouts in a single operation and sponsor fees so recipients never touch crypto.
Tempo's infrastructure partners
Along with Tempo's native payments features, over 50 infrastructure partners across custody, compliance, on/off ramps, card issuance, and orchestration ensure that enterprises building on Tempo have production-grade infrastructure from day one.
See Tempo's infrastructure partners →
Tempo’s stablecoin advisory
Tempo's design partner program gave us a playbook for taking enterprises from stablecoin evaluation to production. Now, we’re launching our Stablecoin Advisory to open that playbook to every enterprise and financial institution ready to upgrade their payments workloads with stablecoins.
Tempo’s Stablecoin Advisory is a hands-on practice of payments specialists, banking experts, and forward-deployed engineers helping the next generation of enterprises and financial institutions to bring stablecoins into production, including:
- Use case scoping and strategy. The advisory team works with partners to identify the highest-impact use case, model the economics, and build the internal case for moving forward.
- Solution architecture. Tempo's payments and banking specialists design the technical architecture for each use case, covering custody, compliance, on/off ramps, and integration with existing treasury and ERP systems.
- Forward-deployed engineering. For partners ready to build, Tempo provides engineers who work alongside your team from architecture to working prototype to production on mainnet.
- Infrastructure partner access. Infrastructure partners span custody, compliance, on/off ramps, card issuance, and orchestration, so partners get connected to the right infrastructure for their use case rather than assembling a stack from scratch.
If you're an enterprise or financial institution looking to get first access to our Stablecoin Advisory, get in touch.
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If you're evaluating stablecoins for global payouts, cross-border payments, treasury operations, embedded finance, commerce, payroll, agentic payments, tokenized deposits, or any other payments use cases, we want to hear from you.