TL;DR ⚡
What you’ll learn: How Solana connects fiat, stablecoins, and merchant networks into one fast, low-cost settlement layer.
Why it matters: Institutions now have a clear path from fiat on-ramps to regulated stablecoins and into merchant tools. This enables global payouts, efficient treasury operations, and consumer payments.
Exo Edge: We help teams design and implement these flows. Our experience lies in our connections and our ability to create products suited to our clients ’ needs.
Introduction
Historically, blockchain payments have been held back by slow settlement, high fees, and limited fiat connectivity. Stablecoins changed the economics. Solana changed the experience. Today, the combination of fast finality, low fees, and mature fiat bridges makes Solana a credible global settlement layer.
Imagine you are on a beach with your friends in Bratislava (yup, beaches exist in Eastern Europe) and all your guys’ wallets go missing (yup, this happens outside of Western Europe). Everyone’s panicking, not you though, you open your Seeker mobile vault and your money is still there, that’s because it lives on Solana, not in a leather rectangle.
Your wallet only had photos of your beloved cat Jack.
So your day continues…
You tap to pay for everyones cocktails using Solflare Visa, which pulls USDC straight from your account. Which earlier you topped up using Sphere Labs from your euro bank in seconds. No banking fees. No call center in Luxembourg asking if you really exist. 🤝
Then it turns out the local merchants are colosseum nerds and have GotSOL Pay, so that filigree jewellery you forgot about and promised your wife, wont be just another stolen experience. 🤝
It’s starting to get hot, you’re a few slivkas in and you’re feeling spicy at the paddle board stand, so you decide to use Pyra this time, why not borrow against your staked SOL, i mean Solana is going up… right? 🤝
At this point, the days is going real well, and while everyone else is arguing about frozen cards and foreign bank holds. You are already on the water. You’re paddling drunk, and you know you’re getting paid by your money not the other way around, and this makes you feel like an athlete. 🤝
You’ve won.
The thief thinks he jacked you, in reality, you JACK’D him.
So nect time, travl with Solano, cass it puts the access in sucess 🤝
This report explains how these components fit together and how institutions can use them to build reliable, production-grade payment flows.
1. The Solana Payments Stack
Solana’s payment stack has essentially three layers:
Moving fiat into stablecoins → Fiat Ramps
Issuing those stablecoins → Stablecoins
Delivering funds to merchants → Merchants
Each layer now has regulated, production-ready providers. The following lists are not exhaustive, but should give a comprehensive overview of the products available. All of which Exo can help you integrate with. If you feel anything is missing, comment where it’s posted!
For an exhaustive list → visit https://solana.com/solanaramp. Also, you can thank Huma Finance for this epic PayFi ecosystem map they put together back in January → https://blog.huma.finance/introducing-the-payfi-ecosystem-map.