Inspiration: Stablecoins can modernize bank payments, but most institutions can’t safely adopt them without clearer controls. We built StableRail to make stablecoin workflows feel bank-ready by adding policy, compliance, and audit layers on top of on-chain rails. As financial institutions such as BNY and Visa are investing billions into stablecoin adoption, we want to be at the forefront.
What it does: StableRail is a regulated interface for stablecoin operations. It converts user requests into compliant, traceable actions by enforcing rules (who can send, where funds can go, limits, approvals), logging an audit trail, and then executing the approved transaction or blocking it on-chain.
How we built it: 1) We combined on-chain smart contracts to represent stablecoin payment intents and execution
2) An off-chain “policy and compliance” layer that validates requests against rules before anything touches the chain
3) A simple control surface (“Control Tower”) for creating, reviewing, and monitoring payouts
Challenges we ran into: Translating real banking expectations (controls, approvals, auditability, reliability) into a workflow that still feels fast. Also, making the system resilient to infra issues and preventing invalid or non-compliant transactions from being submitted.
Accomplishments that we're proud of: We designed a clear architecture where policy comes first: every transaction is gated by validation, recorded for audit, and only then executed. The result is a stablecoin flow that feels closer to a bank payments stack than a typical crypto app.
What we learned: Banks don’t just need “access to crypto”, they need guardrails: configurable policies, strong identity and authorization, clear audit trails, and predictable execution. Adoption is mainly an engineering-and-governance problem, not a smart contract problem.
What's next for StableRail: Add deeper regulation layers: sanction/allowlist screening hooks, dual-approval workflows, transaction limits by role/customer, exception handling, and reporting. Then expand to more stablecoins and networks while maintaining bank-grade controls and observability.
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