For store owners
What changes at your counter.
Less than you would think at the till, and more than you would think in the back office. Both halves are below.
At the till
One extra tender button
The cashier rings the sale as usual and picks stablecoin. The register shows a code for the customer to scan with their wallet.
One screen to read
Waiting, paid, expired, or check with a manager. Large type, big targets, one action per screen.
One rule for staff
Goods leave the counter when the register says paid. Not when the customer shows a phone screen, and not when someone says it is coming.
In the back office
- Refunds are proposals
- A manager starts a refund against a specific original payment. ProxyPay checks the refund cannot exceed what was actually received, reserves it, and prepares the proposal. It is approved on merchant-controlled keys and sent from a merchant-controlled refund vault.
- Close-out is a summary you sign off
- At the end of the day you get a close-out summary of requests issued, payments observed, exceptions held, and refunds in flight. It reconciles chain facts against POS facts, and it does not let a POS fact stand in for a missing chain fact.
- Cash-out is yours
- Money moves from your vault to your exchange or off-ramp account, and from there to your bank. Those accounts are in your name, under your provider agreements.
- Exceptions have owners
- Every exception (ambiguous payment, late evidence, held fee, re-org) waits on a named role. Nothing clears itself quietly.
What you need before a pilot
- A multi-approval vault you control, with hardware keys held by people you name.
- At least three seats able to approve, held by distinct people, plus a plan for replacing a lost key.
- Your own exchange or off-ramp account, in good standing under that provider’s own rules.
- A business that is lawful where it operates, holding every authorisation its activity requires.
- A POS you can integrate with, or staff willing to run the register app beside it during the pilot.
- A named person who owns reconciliation at the end of each day.
What we will not help you avoid
ProxyPay is an additional payment rail for lawful merchants. It is not a way around banks, card networks, transaction monitoring, reporting or tax. Stablecoin payments settle on a public ledger, where amounts, addresses and times are permanently visible to anyone who looks.
Risks, stated plainly
| Risk | What it means for you |
|---|---|
| Payments are final | A payment cannot be reversed. Refunds are a separate transfer you initiate and approve. Your refund policy and your receipts have to be good. |
| Key loss is your loss | Nobody, including ProxyPay, can restore access to your vault. Seat possession and replacement drills are part of the pilot, not optional extras. |
| Public ledger | Your receiving addresses and the amounts paid to them are public. Treat address reuse as a business-information decision. |
| Network conditions | Confirmation depends on a public network ProxyPay does not operate. The register is designed to say waiting or offline honestly rather than guess. |
| Provider dependencies | Your exchange, bank and vault vendors have their own rules and their own outages. ProxyPay cannot override them. |
| Pilot stage | This is pre-launch software. Independent security review, provider agreements and production qualification are open work items. |