> ## Documentation Index
> Fetch the complete documentation index at: https://docs.rem.money/llms.txt
> Use this file to discover all available pages before exploring further.

# Stablecoins

> Design, issue, and operate compliant stablecoins across networks. Accept, transfer, and redeem with one API.

Design, issue, and operate compliant stablecoins across **Tempo, Solana, Base, and Arc**. One API to accept, transfer, and redeem. Seconds to settle. Cents to send. Compliance enforced at the token and contract layer. Built for banks, issuers, asset managers, and licensed VASPs operating in APAC.

## What this module covers

* **Issuance** — Stand up your own compliant stablecoin, or extend an existing one onto new networks, with reserve attestation and lifecycle controls.
* **Movement** — Programmatic accept, transfer, and redeem across supported networks.
* **Proof of reserves** — On-chain attestations linked to off-chain reserves so holders and regulators see the same number.

## Three core operations

| Operation    | What it does                                                                                                                                         | Method           |
| ------------ | ---------------------------------------------------------------------------------------------------------------------------------------------------- | ---------------- |
| **Accept**   | Inbound collections — take stablecoins in from users, merchants, or counterparties on any supported chain. Webhook fires on every confirmed deposit. | `rem.accept()`   |
| **Transfer** | Instant settlement between accounts, wallets, and institutions in seconds. REM routes across chains; your app never sees a bridge.                   | `rem.transfer()` |
| **Redeem**   | Fiat off-ramp — redeem stablecoins to fiat or settle to a destination account. Plug in trusted rails or bring your own.                              | `rem.redeem()`   |

## Settlement rails

<CardGroup cols={2}>
  <Card title="Tempo" icon="bolt">
    **Primary · Compliant.** The default rail. Compliance-native L1 built for regulated institutions in APAC. Sub-second finality with the guardrails regulators expect.
  </Card>

  <Card title="Solana" icon="circle-nodes">
    **L1 · Fast.** Sub-second finality, near-zero fees. Used when callers hold Solana stablecoin balances or need the deepest liquidity.
  </Card>

  <Card title="Base" icon="layer-group">
    **L2 · EVM.** Used for counterparties already settled on the Coinbase ecosystem. Low fees, high throughput.
  </Card>

  <Card title="Arc" icon="diamond">
    **L1 · Institutional.** Compliance-native rail for institutional issuance and settlement, with native KYC and Travel Rule support.
  </Card>
</CardGroup>

## Key features

* **Seconds, not days** — Stablecoins settle on-chain in seconds. No correspondent banks, no SWIFT queues, no T+2.
* **Cents per payment** — Send millions in stablecoins for a few cents. REM picks the cheapest rail automatically.
* **Signed webhooks** — Every accept/transfer/redeem fires a signed (HMAC-SHA256) event. Reactive flows without polling.
* **Compliance enforced at the token layer** — KYC, KYB, KYT, and Travel Rule run inside the contract, not as off-chain middleware.
* **Multi-chain routing** — One API call. REM picks the optimal chain based on cost, speed, and the counterparty.
* **Proof of reserves** — Verifiable on-chain attestations linked to off-chain reserves for issued tokens.
* **Audit trail by default** — Every transaction is on-chain and queryable. Reporting is already in the shape a regulator wants.

## Quickstart

```typescript theme={null}
import { REM } from "@rem-money/sdk";

const rem = new REM({ apiKey: process.env.REM_API_KEY });

const deposit = await rem.accept({
  chain: "tempo",
  currency: "USDC",
  amount: "50000",
  reference: "invoice_2026_0041",
});

await rem.transfer({
  from: deposit.walletId,
  to: "wallet_settlement_sg",
  amount: deposit.amount,
});

await rem.redeem({
  walletId: "wallet_settlement_sg",
  currency: "SGD",
  bankAccount: process.env.BANK_ACCOUNT_ID,
});
```

**SDKs:** TypeScript, Python (fully typed, autocompletion). Go and REST also available.

## Use cases

<CardGroup cols={2}>
  <Card title="Cross-border B2B" icon="globe">
    Replace correspondent banking on the APAC corridor with second-finality stablecoin settlement.
  </Card>

  <Card title="Merchant collections" icon="cart-shopping">
    Accept stablecoins at checkout, redeem to local fiat on the same call.
  </Card>

  <Card title="Issuer infrastructure" icon="building-columns">
    Operate your own stablecoin — issuance, redemption, reserves, and distribution — on REM's stack.
  </Card>

  <Card title="Treasury operations" icon="vault">
    Move balances between branches and counterparties intra-day, with full audit.
  </Card>
</CardGroup>

***

## Custom solutions

Most institutions adopt the API directly, but rollouts often need bespoke engineering work alongside the SDK. REM's team can extend the Stablecoin module to fit your operating model.

<CardGroup cols={2}>
  <Card title="Custom issuance" icon="seal">
    Stand up a new stablecoin scoped to your license — reserve model, mint/burn controls, redemption flows, and distribution wired through your banking partners.
  </Card>

  <Card title="Custom ramps" icon="arrow-right-arrow-left">
    Bespoke fiat on/off-ramps for SGD, HKD, JPY, AUD, and other regional currencies — wired through your licensed banking partners.
  </Card>

  <Card title="Treasury routing" icon="route">
    Liquidity logic across branches, counterparties, and chains: rebalancing, sweep rules, and intraday limits scoped to your treasury policy.
  </Card>

  <Card title="BYO-rail integration" icon="plug">
    Connect REM to a settlement rail you already operate or are licensed for — REM handles the orchestration, you keep the rail.
  </Card>
</CardGroup>

<Card title="Scope a custom rollout" icon="envelope" href="mailto:hi@rem.money" horizontal>
  Tell us about the corridor, the regulator, and the volume. We'll come back with a discovery proposal.
</Card>

***

<Card title="View API reference" icon="code" href="/source/api-reference/introduction" horizontal>
  Full endpoint specs for accept, transfer, redeem, and webhooks.
</Card>