Settlement infrastructure · live

Stablecoin
rails built
to last.

Non-custodial payment infrastructure for fintechs, payroll platforms, and protocol teams. USDC across Base, Solana, and Ethereum.

p99 28s · uptime 99.97% · fee 0bp FX
Book a demo → Read the docs
SOC 2 Type II
Audited non-custodial architecture
OFAC + UN + EU sanctions screening
FATF Travel Rule compliant
On-chain audit trail · every tx
ISO 27001 in progress
28s
p99 settlement
24/7/365
170+
countries
live today
0bp
FX markup
flat fee per tx
99.97%
uptime · 90d
status.procohq.com
3
lines to integrate
TypeScript SDK
// live_settlement_feed · updating every 4s

Every payment.
On-chain. Always.

Every Proco settlement produces an immutable on-chain receipt. No black box. No trust-me-bro custody. Verifiable by anyone, forever.

settlement_monitor.ts
live
18.4s avg
Average settlement time
p99 → 28.1s
0bp
FX markup on every payment
vs 200–400bp on SWIFT
3chains
Auto-routed for lowest latency
Base · Solana · Ethereum
// protocol_architecture · v2.1.0

Designed from
the ground up.

Proco is not a wrapper around an existing rails product. It's a native stablecoin settlement protocol built non-custodial from day one.

Layer 4 — Your product

You own the UX

Your brand. Your flow. Proco is invisible to your end user.

Layer 3 — Chain router

Automatic chain selection

Picks Base, Solana, or Ethereum based on destination, fee, and current block latency. Not a config you have to maintain.

Layer 1 — Settlement

On-chain, non-custodial

USDC moves directly. Proco never holds funds. Verifiable on-chain receipt for every transaction.

04

Your application

Your SDK call, your webhook handler

your code
03

proco.payments.create()

Compliance + chain routing + gas abstraction

proco api
02

Chain router

Base / Solana / Ethereum · auto-selected

routing layer
01

On-chain settlement

USDC transfer · immutable receipt · <30s

settlement
Payroll

Run global payroll. One API call. Under 30 seconds.

HR platforms and fintechs use Proco to pay teams in 40+ countries in USDC, settling to local bank accounts without a correspondent bank in sight.

170+ countries p99 < 30s 0bp FX batch payments
RecipientAmountStatus
A. Kone
NG · bank_transfer
$3,200
settled
S. Reyes
MX · bank_transfer
$4,750
settled
M. Patel
IN · upi
$5,100
settled
J. Laurent
FR · sepa
$6,800
routing
Compliance

The full compliance stack. In a single API call.

KYC, KYB, KYT, AML, travel rule, OFAC, UN, EU sanctions screening — all bundled into the payment request. Your engineers build features, not regulatory infrastructure.

FATF Travel Rule OFAC screened KYC + KYB auto
KYC — Identity verified
auto
KYB — Entity cleared
auto
AML — Transaction monitored
auto
OFAC / UN / EU sanctions
auto
FATF Travel Rule filed
auto
Architecture

Non-custodial. Not a design choice — a protocol guarantee.

Proco never holds your customers' funds. Non-custodial at the protocol level. No money transmission licence overhead. No custody risk passed to your legal team.

non-custodial no MTL required on-chain receipts
Your application
your funds, always
Proco Protocol
routes · never holds
On-chain settlement
USDC · Base · Solana · ETH
Recipient bank account
local currency · direct
Protocol modules

Four modules.
One API surface.

Proco ships four production-grade modules. Use all of them, or just the ones you need.

module_01

Payment Orchestration

USDC across Base, Solana, Ethereum. Automatic chain selection by latency and fee. Gas abstracted. p99 < 30s.

chains: base, solana, eth p99_latency: 28.1s countries: 170+
module_02

Compliance Suite

KYC, KYB, KYT, AML. Travel rule. OFAC, EU, UN sanctions. One call per payment. No compliance infrastructure to build.

compliance: 'auto' | manual travel_rule: FATF sanctions: OFAC + EU + UN
module_03

Treasury & Yield

~3.5% APY on idle USDC. Automated sweeps. Real-time P&L. Full on-chain reporting. No fund lockup.

apy: ~3.5% lockup: none reporting: real-time
module_04

Embedded Wallets

White-label non-custodial wallets. Programmable spend controls, hosted payment links, zero crypto UX burden.

custody: non-custodial brand: white-label controls: programmable
// integrate in <48h · rest_api + typescript_sdk

Built for
engineers.

TypeScript SDK, REST API, signed webhooks, full sandbox. No blockchain knowledge required.

payment.ts
@proco/sdk v2.1.0
1import Proco from '@proco/sdk'; 2  3const proco = new Proco({ apiKey: process.env.PROCO_KEY }); 4  5// Full compliance + settlement in one call 6const tx = await proco.payments.create({ 7 amount: 500_000, // USD cents 8 currency: 'USDC', 9 destination: { country: 'NG', method: 'bank_transfer' }, 10 compliance: 'auto', // KYC+KYB+AML+sanctions 11}); 12  13console.log(tx);
// { status:'settled', chain:'base', settlementMs:18430,
// txHash:'0xf3a8c...', complianceRef:'CPL_7f2b...' }
SDK

TypeScript SDK + REST API

Full types and auto-complete. OpenAPI 3.1 spec. Works with any language — Python, Go, Ruby clients available.

Webhooks

HMAC-signed webhooks

Real-time, HMAC-SHA256 signed delivery with retries. Every settlement status, compliance event, and failure — streamed instantly.

Testing

Full sandbox environment

Mirror production exactly. Simulate settlements, failures, and compliance outcomes without touching real funds or chains.

Architecture

Non-custodial by design

Proco never holds funds. No MTL licensing overhead, no custody risk passed to your legal or compliance team.

Built to move
real money.

Most teams are in production within 48 hours.

Book a demo → View the docs
SOC 2 Type II Non-custodial Sandbox on signup No commitment