Stablique replaces SWIFT correspondent routing for USD transfers between Congolese banks – instant ledger settlement, fractions of a cent per transaction. Built for the BCC's April 2027 mandate.
Products
Stablique is building the default settlement layer for USD movement in Central Africa. Two products, one shared infrastructure, one mission.
Domestic USD interbank settlement for DRC banks. Banks hold sub-accounts on the Stablique ledger – settlement is an instant debit/credit entry, not a SWIFT message routed through New York.
A B2B API for fintechs and neobanks to send USDT on-chain or fiat via stablecoin rails. One API call. Stablique API handles chain selection, corridor routing, off-ramp partner selection, and fiat delivery.
Switch
Every interbank USD transfer between Congolese banks today routes through a New York correspondent via SWIFT – paying $10–$17 per transaction, waiting 1–3 business days, for a domestic payment. The BCC (Banque Centrale du Congo) has mandated that all physical foreign currency cash transactions cease by April 9, 2027 – forcing massive USD volume onto digital rails overnight. Stablique Switch is the infrastructure that captures that volume.
Each participating bank holds a sub-account on the Stablique ledger. Settlement is an atomic debit/credit entry. No SWIFT, no correspondents, no New York routing.
Banks send pacs.008 and pacs.009 messages, or legacy MT103. No core banking system changes required. Integrate once via API or message channel.
Every bank sees its net USD position in real time. End-of-day reconciliation reports delivered automatically. Full audit trail on every settlement.
The ledger is backed 1:1 by USDT held in MPC custody. Proof-of-reserves published daily. Banks can request USD wire cash-out at any time.
How it works
A deterministic four-stage pipeline – every step auditable, every approval recorded.
Your ops team submits a validated ISO 20022 payment instruction via the console or REST API. All fields are schema-checked before the pipeline begins.
A second authorised user approves the instruction at the database, API, and smart-contract level. No single actor can force a settlement unilaterally.
The settlement engine posts an atomic debit/credit entry to the double-entry sub-ledger. The sender's balance is debited, the receiver's is credited – instantly, irrevocably. Settlement finality is defined at this moment.
Settlement finality is reached at sub-ledger posting – not dependent on block confirmation times. The recon engine continuously verifies that on-chain USDT reserves match aggregate ledger balances. Webhook notifications fire to your systems within seconds.
For institutions
Stablique is wholesale-only. Every design decision – from role-based access to ISO 20022 instructions – is shaped around institutional operations.
Stablique API
A clean, developer-first payments API for fintechs and neobanks. Send USDT on-chain or deliver fiat via mobile money and bank transfer across Africa and beyond. Stablique API handles chain selection, corridor routing, off-ramp partner selection, KYT screening, and fiat delivery. Your integration is a single REST call.
// Submit an interbank settlement instruction (Switch)
const response = await fetch(
"https://api.stablique.xyz/v1/switch/instructions",
{
method: "POST",
headers: {
"Authorization": `Bearer ${token}`,
"Content-Type": "application/json",
},
body: JSON.stringify({
reference: "WIRE-2026-05-001",
debtor_bic: "ECOCCD01",
creditor_bic: "RAWJCD11",
amount: "250000.00",
currency: "USD",
value_date: "2026-05-28",
}),
}
);
const { instruction_id, status } = await response.json();
// instruction_id: "ins_01HX4K..."
// status: "pending_approval"Security
Every layer of Stablique is designed with the assumption that financial infrastructure will be targeted. Defense in depth, from the smart contract to the API gateway.
Approval enforced independently in the Solidity contract, PostgreSQL, and Go API. Compromise of one layer cannot bypass the others.
Short-lived JWTs with PKCE-based SSO. Session tokens are never stored in localStorage – httpOnly cookies only.
Fixed-window rate limiting at 200 req/min per IP. Soft limits emit structured STABLIQUE_RATE_LIMITED errors before hard rejection.
Every instruction, approval, and settlement event is written to the Besu chain. The audit log cannot be altered after the fact.
Granular RBAC – bank_ops, bank_approver, bank_compliance, regulator_observer, super_admin. Least-privilege enforced at the data layer.
gosec, govulncheck, and ESLint security plugin run on every push. CVEs in dependencies are caught before merge.
For banks: join the Switch pilot network. We work directly with treasury and operations teams at DRC-licensed commercial banks to onboard your institution.
For developers: get API access to Stablique API and send your first payment in under 10 minutes.