Stablecoin settlement
Stablecoins are one of the settlement rails supported by Hostra, alongside card charge and card push. An on-chain disbursement is treated like any other settlement method: it 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. A settlement intent declares a method — card_charge, card_push or on_chain — and the engine owns durability, retries and the terminal state regardless of which rail executes it. On-chain settlement is therefore not a separate product; it is a disbursement path the engine can select, with the same ledger treatment and the same 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 are 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 rather than repriced silently.
- Intent: the transfer is written as a durable settlement intent before any provider or custodian call is made.
- Execution: the engine acquires an exclusive lease and executes exactly once, querying the provider before any retry rather than blindly re-sending.
- Confirmation: the on-chain leg produces a network reference that is stored with the settlement record.
- Posting: balanced ledger entries are written for the funding leg, platform fee, network fee and disbursement.
- Notification: an HMAC-signed webhook reports the terminal state; the status API returns the same source of truth.
Fee model
Fees are returned by the quote endpoint and are authoritative there, not on this page. In the current model the platform fee is 1.5% (150 bps) of the send amount and the network fee is fixed per network, with the receive amount equal to the send amount minus both. Integrators should 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). It is a use case built on the platform rather than the identity of the platform. The consumer-facing explanation of that specific flow, including worked fee examples, lives on buy USDT with a card. Crypto-to-fiat and crypto-to-card payouts are in development and are not available.