Stablecoin payments and settlement

Buying goods, not crypto

A customer paying by card buys your goods. Orion never secretly converts a card payment into a crypto purchase. If a provider's model requires the customer to buy crypto, its disclosures and the customer's consent come first.

Direct USDC payment (sandbox simulation)

• Choose a network. You receive an exact amount, the token contract, a recipient and a quote expiry.
• Amounts use exact decimal maths, rounded up to 6 decimals.
• The sender pays network fees.
• The order reference is held by Orion — no memo is needed.

Verification rules

A transfer is credited only when it is on the right network, uses the allowlisted token contract, goes to the right recipient, executed successfully and reached the required confirmations. A transfer is allocated to one payment only, and one payment pays one order. Transfers reorganized out of the chain before finality are not counted.

Exceptions

• Underpayment: order stays unpaid; top up or resolve.
• Overpayment: order is paid; excess is refunded.
• Wrong network or token / after expiry: not credited; reviewed manually; recovery may be impossible.

Risks

Stablecoins are issuer liabilities and are not guaranteed to hold their value. Transfers cannot be reversed by Orion. Whoever holds a wallet's keys controls it; Orion cannot recover lost wallets.