Payment links
Share a hosted USDC checkout or embed it directly in your product.
a new world of finance
Businesses keep more from every sale.Customers pay 1% less every purchase.
built on stablecoins
Instant settlement. Lower-cost global payments.Global financial privacy, whenever you need it.
one integration. every way to get paid.
Online, in person, inside apps, or through AI.Connect and start accepting payments with Soca in minutes.
start keeping what you earn
Businesses keep more from every sale.Customers pay 1% less when they pay with Soca.
For business
Why businesses switch to Soca.
Accept USDC, or let customers pay by card or bank transfer, through a hosted checkout, a payment link, or embedded in your product. Far lower fees than card processors, settling instantly as USDC in your wallet with no payout window.
Earn 10% of everything Soca makes from every business you refer. Not just their payments, but privacy fees, the spread on their balances, global transfers, and subscriptions. A business doing $1M a year earns you around $1,400, every year they stay.
No setup fees, no monthly cost, no minimums. We earn a small share only when a payment actually lands, so nothing leaves your pocket until money moves.
Turn any phone into a tap-to-pay terminal. Take payments at the counter or on the go, at a lower rate than card terminals, settling straight to your wallet with instant receipts.
Turn it on for any flow — payments, payouts, treasury, even payroll — to keep it off your public on-chain history. Optional, and available across the whole platform, not just checkout.
Run weekly, monthly, or annual plans with automatic renewals and built-in dunning to win back failed payments. USDC payments can’t be charged back, so you see far fewer disputes than card-only billing.
Split revenue into separate balances — operating, payroll, tax reserve — with rules that set aside a cut of every sale automatically. Idle funds earn up to 6% variable yield instead of sitting still.
Meter anything and bill for exactly what customers use, with a credit ledger, entitlements, and per-unit pricing down to the cent.
For everyone
Save when you spend. Earn when you don’t.
This isn’t points or cashback you claim later. When you pay with Soca, 1% comes straight off the price at checkout. A real discount almost no one offers.
Refer someone and earn a share of everything they do on Soca. 0.2% their first year, then 0.1% every year after, for as long as they stay. Their payments, yield, privacy, and global transfers all count.
Your balance lives in your own wallet, not a bank’s. No one can freeze it, hold it, or tell you what to do with it. It’s yours, always.
Your Soca balance earns up to 6% variable yield, automatically. It grows while it sits, and it’s still yours to spend the moment you want it.
Turn it on for any payment to keep it off your public on-chain history. Optional, and available across everything you do, not just checkout.
Move money across the world for a fraction of a percent. It’s on-chain USDC, so there are no bank wires, no FX markups, and no middlemen taking a cut.
The operating system
The whole business, on one screen.
Payments, subscriptions, treasury, usage billing, and AI agents — one operating system, settling instantly as USDC, the digital dollar, straight to your wallet.
- Payments
- Subscriptions
- Treasury
- Usage billing
- AI agents
- Wallets
Powered by USDC — a fully-backed digital dollar — on Solana · non-custodial
Why you pay less
We're not a card network. So we don't charge like one.
A typical card payment is split between the issuing bank, the card network, and the payment processor. Often 2–3% of every sale disappears before a business receives it.
Soca uses stablecoin payments instead. Money moves directly between customer and business, with network fees sponsored by Soca. Businesses keep more of every sale, and customers pay 1% less at checkout.
- Direct wallet-to-wallet payments
- Network fees sponsored by Soca
- More value stays with customers and businesses
Wireless headphones
Black · Over-ear
Total$200.00USD
Payment method
Card
Visa, Mastercard, Amex, etc.
soca
Soca
Save 1% on every purchase, forever
Pay $198.00
Secure and encrypted checkout
Built to plug in
Plugs into everything you already run.
Your website, your counter, your community, your agents — connect Soca with a link, a snippet, or one API call. Or point an agent at our MCP and it wires itself.
OnlineIn personCommunitiesDevelopersAI
No-code or embed
Your website
Drop in a hosted checkout or embed payments directly on any site.
Tap to pay
In person
Turn any phone into a tap-to-pay terminal at the counter.
Community
Telegram
Take payments and gate access right inside your community.
Community
Discord
Tie roles and access to payment status, automatically.
Developer
Developers
REST APIs, SDKs and webhooks for any application.
MCP
AI
Let AI agents buy, sell and get paid through Soca.
Referrals
Earn as your network grows.
Earn a share of what Soca earns whenever someone you refer uses an eligible product or makes a payment. Rewards are added to your balance automatically.
- Friends and businesses
- Ongoing rewards
- Added automatically
Today
J+$0.14
James paid with Soca
Referral · Payment
E+$0.24
Emma earned yield
Referral · Earning balance
N+$1.42
Northstar Studio
Referral · Business revenue
Lifetime earnings$847.21
Global
Move money without borders.
Send money to friends, family, or businesses around the world in seconds. Stablecoins remove expensive international wires and hidden currency conversion fees.
- Global in seconds
- No wire fees
- No hidden FX markups
From
Toronto
To
Tokyo
$500
Delivered instantlyNo wire feesNo hidden FX markups
Privacy
One switch. Privacy everywhere.
Hide your financial information across your entire Soca account whenever you choose. Privacy is optional and always under your control.
- One tap to enable
- Across your entire account
- Always your choice
Overview
PrivacyOn
Balance
$18,421.37
Net Worth
$46,782.18
Recent activity
Salary+$2,840
Shopping-$84
Global Transfer-$500
Yield
Your balance keeps growing.
Instead of sitting idle, your balance earns automatically in the background while staying ready to spend whenever you need it. No staking, no lockups, and nothing to manage.
- Always earning
- Spend anytime
- Nothing to manage
Available
$12,842.57
Growing
DeFi-native financial infrastructure
Financial infrastructure for the onchain economy.
Accept USDC, automate billing, move money, and power new revenue models—from your first payment onward.
Connect a wallet. No cards or bank account. Funds settle directly.
WC settlement rail
Network onlineExample transaction
pay_8F21A2,480.00USDC
Settlement confirmed
Mode
Payment link
Finality
Confirmed
Source
Customer
7vP…2Lm
Rail
Solana
Native USDC
Destination
Merchant
D4q…8Ns
Settlement
Direct to wallet
Payout wait
None
Event
payment.succeeded
Illustrative product state
Payments
Subscriptions · Links · Invoices
Access
Wallet-first · No bank forms
Settlement
No payout window
Operations
Portal · Analytics · Webhooks
How it works
Money that works the way it should.
Use one product or connect the entire stack. Start simple, then compose what comes next.
- 01
Connect your wallet
Sign in and choose where your USDC should settle. No bank account or card processor setup.
- 02
Choose a payment flow
Launch a payment link, subscription, invoice, or embedded checkout for your product.
- 03
Run everything in one place
Manage payments, customers, refunds, access, analytics, and developer events from one operating system.
The commerce platform
One financial system. Every wallet-native revenue flow.
Accept money, manage revenue, serve customers, automate access, and connect your product—without stitching together a dozen crypto tools.
Commerce activity
Example operations timeline
Payment received
240.00 USDC · Payment link
Invoice paid
invoice_1042
Webhook delivered
payment.succeeded
Payments, customer records, and developer events stay in sync.
Subscriptions
Run monthly and annual plans with automated renewals and recovery.
Invoices
Request one-time USDC payments with clear records and receipts.
Refunds
Send full or partial refunds back to the original customer wallet.
Customer portal
Give customers one place for payments, subscriptions, invoices, and receipts.
Access automation
Connect Telegram and Discord access directly to payment status.
APIs & webhooks
Connect payment data to your product with versioned REST resources and signed events.
Revenue operations
Track revenue, customers, failed payments, retries, and entitlements.
Money movement
Revenue lands when the payment does.
USDC reaches your wallet in the payment transaction—without a payout batch, bank processing window, or withdrawal request.
- No pooled merchant balance
- No payout schedule or bank waiting period
- One transparent onchain transaction
Direct settlement
Example 20.00 USDC payment
Customer
20.00 USDC
Self-custody wallet
Solana
One transaction
No platform balance
Merchant wallet19.80 USDC
Settles directly · 99%
Platform fee0.20 USDC
Disclosed at checkout · 1%
For developers
Built for people who move money for a living.
Bring subscriptions, payments, invoices, and events into your stack through a predictable REST API. React to state changes with signed, retried webhooks.
Idempotent writes Signed webhooks Test isolation
List payments
curl $WC_API/v1/payments?limit=3 \
-H "Authorization: Bearer $WC_KEY"
# Cursor-paginated JSON response200·payment.succeeded·webhook signed
Built for self-custody
DeFi-native where it matters.
Customers pay from their own wallets. Merchants receive funds in theirs. Soca provides the software in between without becoming the custodian.
Wallet-first access
No card or bank login required.
Direct settlement
USDC moves wallet to wallet.
Explore the technical safeguards
For developers and security teams
+
Explore the technical safeguards
For developers and security teams
01
Capped amount
A plan cannot charge above its approved limit for a billing period.
02
Fixed destination
An existing permission cannot be silently redirected to another wallet.
03
One charge per period
On-chain accounting and database constraints prevent duplicate renewals.
04
Revocation is final
Once revocation confirms, future unexecuted charges are blocked.
Core payment flows are verified on Solana devnet against the official Subscriptions & Allowances program.
Simple pricing
We only make money when you do.
No monthly fee, no setup fee, no minimums, no seats. You pay 1% of each successful payment — and nothing at all until money actually moves. Every product is included: subscriptions, invoices, checkout, customer portal, access automation, and analytics.
- No monthly fee
- No setup fee
- No minimums
1%
per successful payment
Nothing until you get paid. Disclosed at checkout.
For businesses and their customers
Start keeping what you earn.
Businesses keep more from every sale. Customers pay 1% less when they pay with Soca. Live in minutes.