SpendTheBits is a next-generation crypto payment platform enabling real-time, cross-border transactions and global spending with digital assets like Bitcoin and digital dollars.
We provide a unified solution that bridges the gap between decentralized assets and traditional financial systems through the following core services:
Instant Crypto Transfers via the STB Retail App
Fiat Interoperability with Mastercard (Waitlist Live)
White-Label Portals for Institutional Partners
Developed by SpendTheBits, StableNet is a cross-border stablecoin messaging and payment infrastructure that facilitates both fiat and stablecoin transactions. Functionally similar to SWIFT, StableNet is designed to support a wide range of financial institutions - including banks, credit unions, trust companies, money service businesses (MSBs), money transfer operators (MTOs), payment service providers (PSPs), and licensed fintech platforms - in executing secure, efficient, and fully compliant value transfers with complete end-to-end transparency.
Core Capabilities:
✅ Purpose-built messaging layer for banks and fintechs
✅ Compatible with SWIFT (MT & ISO 20022) and major blockchain networks
✅ Supports all leading stablecoins
✅ Enables stablecoin-to-stablecoin, stablecoin-to-fiat, fiat-to-stablecoin, and fiat-to-fiat
Transparent, Auditable Transactions
Compliance-Ready Design
SpendTheBits empowers users and businesses to unlock the real utility of digital assets - sending, spending, and settling value across borders faster than ever before.
Use Case: Individuals sending money to families overseas. Problems: High remittance fees, long delays, and a lack of transparency. Our Advantage: - Real-time transfers at near-zero fees. - Instant settlement and live transaction traceability.
Use Case: A user pays for groceries in Europe using STB Mastercard linked to their digital dollar wallet. Benefit: Seamless crypto-to-fiat conversion at point-of-sale, accepted at 40M+ merchants globally.
Use Case: Licensed money service businesses, banks, fintechs, and money transfer operators. Problems: Legacy systems lack blockchain compatibility and efficient UX. Our Advantage: - Custom-branded portals with built-in crypto and fiat rails. - End-to-end compliant infrastructure (FATF-aligned). - Supports stablecoin-to-fiat and fiat-to-stablecoin pathways.
Use Case: Fintechs, PSPs, or banks handling multi-currency flows. Problems: Fragmented FX systems and manual treasury processes. Our Advantage: - On-demand FX with multi-currency stablecoin support. - Transparent financial reporting and real-time conversion tools. - Secure document and fund flow management infrastructure.
Use Case: Banks, credit unions, and trust companies. Problems: Complexity of FATF, SWIFT, and ISO20022 integrations. Our Advantage: - Compliance-ready design with modular KYC/KYB/KYT. - SWIFT-compatible messaging layer. - Full audit trail via blockchain explorer.
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