Core Concepts Defined

Merchant

Represents a business that accepts stablecoin payments. Each merchant has:

• merchantId — public identifier

• API key — private credential for server-to-server calls

Keep the API key private — it's a server-side credential used for authenticated calls.

Payment Session

Represents a single payment attempt by a user. You create it with amount and currency, then track it through states such as:

• CREATED

• PENDING

• FUNDED

• capture outcomes

A Payment Session models the lifecycle of a single user payment attempt from creation through funding and capture.

One-Time Wallet (OTW)

A unique wallet created for the session once the user connects a wallet and selects a stablecoin. The user funds the OTW; the merchant later captures from it.

Capture

Moves funds from the OTW to the merchant wallet. Supports partial and final captures. On final capture, any leftover is refunded to the user.

• Partial capture: move only part of the OTW balance to the merchant.

• Final capture: move the final amount to the merchant and refund any remaining balance to the user.