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T-Pay

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T-Pay

T-Pay is Libertum’s integrated on & off-ramping gateway. It is the bridge between traditional banking systems and blockchain rails — the layer that lets investors fund a primary subscription in fiat and convert distributions back to bank, and lets issuers receive fiat payouts net of platform fees automatically.

Built on regulated infrastructure (Digital Asset Service Provider in El Salvador, Money Services Business in the U.S.) and integrated with Stripe, Transak and Bridge.xyz, T-Pay makes cross-border payments as simple as a few clicks while preserving the compliance and audit trail Libertum requires.

Use T-Pay when investors need to move fiat into the Libertum ecosystem (or out of it) without leaving the platform’s compliance perimeter.

What T-Pay gives you

Multi-rail fiat on-ramp

Investors can fund a Libertum primary subscription using whichever rail is most convenient:

  • Stripe card — Visa, Mastercard, Amex; Stripe-hosted checkout means card details never touch Libertum’s servers
  • Bank wire — issuer-published bank accounts (multi-currency); on-platform mark-received workflow on both sides for clean audit
  • SEPA and ACH — bank-to-bank transfers via Stripe and partner banks where supported by jurisdiction
  • Stablecoin — direct USDC / USDT escrow on Base, or Cardano stablecoin for Cardano-side offerings (these bypass T-Pay’s fiat layer entirely)

Behind the scenes, T-Pay handles the fiat → stablecoin conversion (where required), records the transaction against the investor’s KYC profile, and feeds the order through to S-Suite for settlement and T-Suite for token allocation.

Off-ramp back to bank

The same rails work in reverse for distributions and withdrawals:

  • Dividend off-ramp — investors can choose to receive distributions as stablecoin (default, lowest cost) or auto-converted to fiat and routed to a verified bank account
  • Custodian withdrawals — for issuers, T-Pay handles the off-ramp from the custodian wallet to the issuer’s banking partner, subject to platform-wide and per-issuer withdrawal limits
  • Stablecoin → fiat — via Transak and Bridge.xyz, with rate, fee and timing surfaced before the investor commits

Stripe Connect for issuer payouts

For card payments specifically, T-Pay uses Stripe Connect so issuer payouts are automatic and split at the protocol level:

  • Each card payment is processed through Stripe’s destination-charges flow
  • Stripe takes its standard processing fee
  • Libertum takes its platform fee (configurable in basis points, set per issuer)
  • The issuer receives the net automatically, settled to their connected Stripe account

No separate invoicing or reconciliation step is required — Stripe handles the split and Libertum’s event indexer reconciles it against the off-chain order book.

Issuers also have the option to use their own Stripe account rather than Libertum’s platform account; in that case the per-issuer Stripe key is encrypted at rest with AES-256-GCM and decrypted only inside the marketplace service.

Withdrawal limits & admin gating

T-Pay enforces three withdrawal thresholds at the platform level:

  • Per-transaction limit — default $5,000
  • Rolling 24-hour limit — default $10,000
  • Admin-approval threshold — default $25,000

These apply to custodian-wallet withdrawals and protect against runaway scripts. They’re configurable per Libertum admin and per issuer; institutional accounts can request elevated limits through the admin’s review queue.

Full KYC and audit trail

Every T-Pay transaction is linked to the investor’s verified identity:

  • SumSub KYC is a precondition for any fiat on/off-ramp
  • Wallet address is pinned to identity through the on-chain Identity Registry
  • Each on-ramp / off-ramp generates an audit-log entry with actor, timestamp, amount, rail, and external reference (Stripe charge ID, wire reference, etc.)
  • The platform’s event indexer reconciles fiat events with on-chain settlement events so the books always match

This is what makes T-Pay regulator-friendly: every fiat dollar that enters or leaves the system is traceable end-to-end.

Cross-border by design

Built on regulated rails and integrated with Transak and Bridge.xyz, T-Pay supports cross-border flows that would otherwise require opening accounts in multiple jurisdictions or working with multiple liquidity providers:

  • Multi-currency fiat — issuers can publish bank accounts in multiple currencies; T-Pay routes the investor to the most appropriate rail
  • Stablecoin as the universal asset — once funds are in stablecoin, jurisdictional friction drops to zero
  • Off-ramp to multiple jurisdictions — investors can off-ramp to a verified bank account in their own jurisdiction, regardless of where the issuer’s primary banking is

Where T-Pay sits in the stack

T-Pay is the fiat-side layer of the Libertum stack:

  • T-Pay — fiat in / fiat out, KYC and audit trail
  • S-Suite — stablecoin held, moved and reconciled
  • T-Suite — tokenization, cap-table, dividend declaration
  • B-DEX — bonding-curve liquidity (settles in S-Suite stablecoin)

For investors who only ever transact in stablecoin (USDC / USDT), T-Pay is invisible — they go direct through S-Suite escrow. For investors who want to move money in or out as fiat, T-Pay is the gateway.

Who uses T-Pay

  • Investors funding a subscription — every fiat-funded primary order touches T-Pay
  • Investors off-ramping a distribution — every fiat-converted dividend touches T-Pay
  • Issuers receiving fiat payouts — every Stripe Connect destination charge is a T-Pay flow
  • Custodian operators — every fiat off-ramp from a custodian wallet is gated by T-Pay’s withdrawal limits

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