Infrastructure for managing stablecoin payments, custody, and international settlements across multiple chains.

Stablecoins

Lux Financial provides infrastructure for managing stablecoin payments and custody. We natively support USDC, USDT, and other payment stablecoins across multiple chains.

Supported Stablecoins

Stablecoin	Issuer	Chains
USDC	Circle	Polygon, Ethereum, Arbitrum, Base
USDT	Tether	Polygon, Ethereum, Arbitrum
PYUSD	PayPal	Ethereum, Solana
LUSD	Lux (1:1 USD backed)	Lux, Polygon, Ethereum
LEUR	Lux (1:1 EUR backed)	Lux, Polygon, Ethereum

Receiving Stablecoins

const deposit = await lux.deposits.create({
  amount: 100000,
  currency: 'USDC',
  chain: 'polygon',
  walletAddress: account.custodyAddress,
  metadata: { orderId: 'order_123' }
});

Sending Stablecoins

// Send to wallet
const payment = await lux.payments.create({
  from: account.id,
  to: 'recipient_wallet_address',
  amount: 50000,
  currency: 'USDC',
  chain: 'polygon',
  destinationCountry: 'NG',
});

// Convert to local fiat
const payout = await lux.payouts.create({
  amount: 50000,
  stablecoin: 'USDC',
  destinationCurrency: 'NGN',
  bankAccount: 'ba_nigeria_123',
});

Multi-Chain Support

Chain	Gas Token	Finality	USDC	USDT
Polygon	MATIC	~2s	Yes	Yes
Ethereum	ETH	~12min	Yes	Yes
Arbitrum	ETH	~15min	Yes	Yes
Optimism	ETH	~2min	Yes	Yes
Base	ETH	~2min	Yes	No
Lux	LUX	~2s	Yes	Yes

Custody Options

MPC Custody (Recommended)

Self-hosted custody using multi-party computation:

const account = await lux.accounts.create({
  type: 'business',
  custody: 'mpc',
  mpcConfig: {
    threshold: 2,
    parties: 3,
    keySharing: 'shamir',
  }
});

KMS Custody

Enterprise key management with HSM integration:

const account = await lux.accounts.create({
  type: 'business',
  custody: 'kms',
  kmsConfig: {
    provider: 'lux',
    hsm: true,
  }
});

International Payments

Send stablecoins to recipients worldwide with automatic conversion to local currency:

Destination	Currency	Settlement	Method
Nigeria	NGN	Instant	Bank Transfer
Mexico	MXN	Same-day	SPEI
India	INR	Same-day	IMPS/UPI
Singapore	SGD	Instant	PayNow
China	CNY	Same-day	Alipay/WeChat

Compliance

All stablecoin transactions are automatically screened for sanctions (OFAC, UN, EU), PEP, risk scoring, and AML pattern detection.

Smart Contract Addresses

Polygon Mainnet

USDC: 0x3c499c542cEF5E3811e1192ce70d8cC03d5c3359
USDT: 0xc2132D05D31c914a87C6611C10748AEb04B58e8F

Ethereum Mainnet

USDC: 0xA0b86991c6218b36c1d19D4a2e9Eb0cE3606eB48
USDT: 0xdAC17F958D2ee523a2206206994597C13D831ec7

Stablecoins

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