Stablecoin settlement
Stablecoins are one of the settlement rails supported by Hostra, alongside card charge and card push. An on-chain disbursement is a durable intent, executed exactly once by the settlement engine and recorded as balanced ledger postings. Hostra is not an exchange, a brokerage or an investment service.
How stablecoins fit the platform
The settlement engine is rail-agnostic. An intent declares a method — card_charge, card_push or on_chain — and the engine owns durability, retries and the terminal state regardless of the rail. On-chain settlement is not a separate product; it is a disbursement path with the same ledger treatment and audit record as a card payout.
Assets and networks
USDT and USDC are supported today on four networks:
- Tron
- USDT and USDC disbursement. Network fee $1.00 per transfer in the current quote model.
- Ethereum
- USDT and USDC disbursement. Network fee $15.00 per transfer in the current quote model.
- Polygon
- USDT and USDC disbursement. Network fee $0.50 per transfer in the current quote model.
- BSC
- USDT and USDC disbursement. Network fee $0.80 per transfer in the current quote model.
Arbitrum, Avalanche and Optimism are in development. BTC, Solana and crypto-to-crypto swaps are on the roadmap and not available.
Transaction lifecycle
- Quote: a server-side quote fixes the amount, fees and receive amount for 60 seconds. A stale quote is rejected with HTTP 410.
- Intent: the transfer is saved as a durable settlement intent before any provider call.
- Execution: the engine takes an exclusive lease and executes exactly once, checking with the provider before any retry.
- Confirmation: the on-chain leg produces a network reference stored with the settlement.
- Posting: balanced ledger entries are written for funding, platform fee, network fee and disbursement.
- Notification: an HMAC-signed webhook reports the final state; the status API returns the same data.
Fee model
Fees are returned by the quote endpoint and are authoritative there, not on this page. Currently the platform fee is 1.5% (150 bps) of the send amount plus a fixed network fee; the receive amount is the send amount minus both. Always read the quote response rather than hard-coding these values.
Card-to-stablecoin flow
One implemented flow combines two rails: a card payment funds the intent and an on-chain disbursement settles it (card_to_crypto). The explanation of that flow, with fee examples, is on buy USDT with a card. Crypto-to-fiat and crypto-to-card payouts are in development.