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DoorDash, Stripe, Coastal, and ARQ Bring Stablecoin Payments Into Production on Tempo
Major companies including Stripe, DoorDash, and ARQ are now running production payment flows on Tempo, a payments-focused blockchain that eliminates the fee volatility and throughput issues of general-purpose chains.
What: Tempo is a blockchain built specifically for payments, incubated by Stripe and Paradigm, that processes enterprise payment flows using stablecoins. ARQ processes over $10 billion in annual transactions on it, Stripe uses it for cross-border payouts across 100+ countries, and DoorDash is implementing it for global marketplace payouts.
Why it matters: This represents a shift from general-purpose blockchains to specialized infrastructure for enterprise payments, addressing real blockers like unpredictable fees and throughput constraints that prevented prior adoption. It demonstrates stablecoins moving from crypto-native use cases into mainstream payment operations at scale.
Takeaway: Developers building payment or fintech products can evaluate Tempo's infrastructure for global payouts, cross-border payments, or embedded finance use cases through their new Stablecoin Advisory program.
Deep dive
- Tempo is purpose-built for payments with features general-purpose chains lack: guaranteed blockspace lanes for payments, dollar-denominated fees with no native token requirement, and sub-second finality
- ARQ processes $10 billion+ in annualized transaction volume across Mexico, Colombia, Argentina, and Brazil on the network
- Stripe uses Tempo as the settlement layer for cross-border payouts across 100+ countries, powering stablecoin capabilities for millions of businesses
- DoorDash is implementing stablecoin payouts for merchants in its 40+ country marketplace to address complex settlement timelines and FX dynamics
- Coastal Bank is building stablecoin infrastructure on Tempo alongside traditional rails to offer fintech partners faster settlement and lower costs
- Key technical differentiators include dedicated payment lanes that prevent congestion from other network activity, predictable fees at any volume, and no requirement to hold volatile native tokens
- Tempo Zones enable private stablecoin payments where only transaction parties see details, with selective disclosure to authorized parties for compliance
- Native account abstraction allows batching thousands of payouts in a single operation, fee sponsorship so recipients never touch crypto, and passkey authentication
- Over 50 infrastructure partners provide production-grade custody, compliance, on/off ramps, and card issuance from day one
- New Stablecoin Advisory service provides hands-on support from use case scoping and economic modeling through solution architecture and forward-deployed engineering to production deployment
- Additional companies mentioned as upcoming Tempo users include Felix, Klarna, Shopify, and Visa
Decoder
- Stablecoin: Cryptocurrency pegged to a stable asset like the US dollar to avoid price volatility
- Finality: The point at which a blockchain transaction is irreversible and fully settled
- Blockspace: The capacity in a blockchain to process transactions, often limited and contested
- Account abstraction: Blockchain feature allowing programmable accounts with custom logic like spend limits, rather than simple key-based accounts
- DeFi: Decentralized Finance, blockchain-based financial services like lending and trading
- ERP: Enterprise Resource Planning, business management software for accounting and operations
- TMS: Treasury Management System, software for managing corporate cash and financial operations
Original article
Stripe, DoorDash, Coastal Bank, and ARQ have moved stablecoin payment flows into production on Tempo, a payments-focused blockchain incubated by Stripe and Paradigm. Tempo's architecture uses dollar-denominated fees with no native token requirement, sub-second finality, and dedicated blockspace lanes, removing the fee volatility and throughput unpredictability that blocked enterprise adoption of general-purpose chains. ARQ processes $10B+ in annualized transaction volume across Mexico, Colombia, Argentina, and Brazil on the network, while Stripe uses Tempo as the settlement layer for cross-border payouts across 100+ countries.
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