Settle

Non-custodial crypto invoicing in stablecoins

Get paid in stablecoins. Without banks. Without waiting. Without borders. A Stripe-grade invoicing SaaS that lets freelancers receive USDC, USDT, and DAI on cheap EVM L2s — fully non-custodial, no smart contracts to audit, no money-transmitter risk.

Sector: Fintech · SaaS
Stack: Symfony 7.1 · React + TypeScript · viem + wagmi · EVM L2s

In numbers

L2 Chains Live: 4
Stablecoins Supported: 3
Custodial Risk: 0%
Payment Detection: <30s

01 — About the Project

Stripe-Grade UX on Crypto Rails

Freelancers in Ukraine, Argentina, Nigeria, Brazil, Mexico, and dozens of other markets lose 5-10% of every invoice to SWIFT delays, frozen wires, and FX spreads. They already use crypto privately — but the tooling is awkward, custodial, or built for Web3 natives.

Settle wraps non-custodial stablecoin payments in the kind of polished, professional UX freelancers expect from Stripe. Funds move directly from client wallet to freelancer wallet. We never touch the money — we just make it feel effortless.

02 — The Challenge

Build a payments product that looks and feels like Stripe, but on EVM L2s. Stay completely non-custodial to avoid money-transmitter regulation. Detect on-chain payments reliably across four chains with different block times and confirmation models. Make it accessible to freelancers who have never used a crypto wallet before.

03 — The Solution

Symfony backend that only reads from chains (never writes), React dashboard for invoice management, Twig + viem checkout for the payment flow, and a PHP daemon that polls Base/Polygon/Arbitrum/Optimism for ERC-20 Transfer events. Token contracts are explicitly allowlisted. All amounts use bcmath/gmp — never floats. The architecture is boring on purpose.

04 — Key Features

Built for Real-World Payments

01
Non-Custodial by Design
Funds move directly from client wallet to freelancer wallet. Settle never holds your money — zero custody risk, zero regulatory ambiguity.
02
Four EVM L2s Live
Base, Polygon, Arbitrum, and Optimism — all on mainnet. Cheap gas (cents per payment), fast finality (5-30 confirmations).
03
USDC · USDT · DAI
The three stablecoins freelancers actually want. Token contracts are explicitly allowlisted — symbol-only matching is forbidden.
04
On-Chain Listener
A PHP daemon polls every chain via eth_getLogs, decodes ERC-20 Transfer events, and matches them to open invoices in seconds. Idempotent and resumable.
05
PDF Receipts + Email
Every paid invoice triggers a branded PDF receipt delivered via Resend with DKIM, SPF, and DMARC. Plaintext fallback and List-Unsubscribe included.
06
Multilingual Marketing
Full English, Ukrainian, and Spanish marketing site with hreflang, sitemap, JSON-LD, and OG tags. Built for the markets where this product actually matters.

05 — Screenshots

See It in Action

Settle — Mobile Version — Mobile Version

06 — Technology

Under the Hood

A deliberately boring stack chosen for reliability, longevity, and zero deploy risk. Symfony writes nothing on-chain — it only reads. All transactions are signed in the user's browser. No custom smart contracts. No money-transmitter surface area.

Symfony 7.1: Backend Framework
React + TypeScript: Dashboard SPA
viem + wagmi: Wallet Connection
EVM L2s: Base · Polygon · Arbitrum · Optimism

Building a Web3 Product?

From DeFi dashboards to crypto-native SaaS, we build production Web3 apps with the same engineering discipline as traditional fintech. No vibes, no rugs, no surprises.

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