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ZERO FEE / JOURNAL

Articles & insights

Original analysis of payments, stablecoins, financial infrastructure and product engineering.

Original illustration of layered payment rails connecting to a ledger and reconciliation system

Finality and Reconciliation for Stablecoin Payments

A practical guide to payment states, confirmation policy, provisional credit, ledgers and reconciliation in multichain stablecoin systems.

About 8 minutes · Read →
Original illustration of a forward stablecoin payment rail and a separate refund rail passing through verification gates and a ledger

A Stablecoin Refund Is a Second Payment Flow

Dor Arad explains safe stablecoin refunds: verified destinations, asset and network identity, FX, partial refunds, approvals and reconciliation.

10 min read · Read →
Original illustration of a modular treasury system with separated wallet zones, controlled transfer rails and an audit ledger

A Wallet Is Not a Treasury

A practical guide to stablecoin treasury architecture: wallet roles, authority, limits, gas inventory, reconciliation, signer rotation and incident recovery.

About 11 min read · Read →
Original illustration of a stablecoin checkout rail connecting a wallet, blockchain confirmations, ledger and merchant settlement

Stablecoin Checkout Is a Settlement System

An engineering guide to stablecoin checkout: quotes, ERC‑20 approvals, finality, ledgers, reconciliation, refunds, risk and operations.

About 10 minutes · Read →