Successful payment receipt
Payment widget

CheckoutX

CheckoutX is stablecoin payment infrastructure enabling businesses and creators to get paid globally, instantly, and securely.

Inspiration

Global online payments are still fragmented, expensive, and slow, especially for businesses and creators operating across borders. Traditional payment rails introduce friction through high fees, settlement delays, geographic restrictions, and chargebacks. While stablecoins solve many of these issues at the protocol level, integrating them into real-world products remains complex and developer-unfriendly.

CheckoutX was inspired by a simple question:
Why isn’t accepting stablecoin payments as easy as integrating Stripe?

What We Built

CheckoutX is stablecoin payment infrastructure that enables businesses and creators to create invoices, accept global payments, and settle instantly - without intermediaries.

The platform provides:

Invoice-based, onchain payments
Instant settlement directly to wallets
Low, predictable fees
Checkout widgets, payment links, and QR codes
A merchant and creator-friendly dashboard
Developer-first APIs and SDKs for fast integration

Our goal was to abstract away blockchain complexity while preserving the benefits of decentralization.

How We Built It

CheckoutX is built with a modular, protocol-first architecture:

Smart contracts handle invoice validation, payment execution, and settlement using stablecoins
Cryptographic invoice signing ensures authenticity and prevents double-spending or replay attacks
Offchain services manage invoice creation, dashboards, analytics, and developer tooling
Frontend widgets and SDKs allow seamless integration into any UI with minimal code

At a high level, the payment flow looks like:

Invoice → Signed → User Payment → Onchain Validation → Instant Settlement

This design ensures trust minimization while maintaining a smooth user experience.

How MNEE Is Used

Core Payment Token: Every payment processed by CheckoutX uses MNEE as part of the protocol’s payment and settlement flow.
Protocol Alignment: Using MNEE in every transaction creates a unified economic layer that aligns businesses, creators, and the protocol.

Challenges We Faced

UX vs decentralization trade-offs: Designing a checkout flow that feels Web2-simple while remaining trust-minimized
Invoice security: Preventing replay attacks, expired invoices, and unauthorized payments
Developer ergonomics: Abstracting complex onchain logic into simple APIs without sacrificing flexibility
Global usability: Supporting merchants, creators, and customers across different geographies and devices

Each challenge pushed us to think deeply about protocol design, security boundaries, and real-world usability.

What We Learned

Infrastructure wins when it disappears into the product experience
Stablecoins are only powerful when paired with great UX
Developers value clarity, composability, and minimal integration friction
Creators and small businesses need instant settlement and zero operational overhead

Accomplishments That We’re Proud Of

Built a production-ready stablecoin payment infrastructure, not just a demo
Designed a secure, invoice-based payment protocol with cryptographic verification
Achieved instant, trust-minimized settlement directly to merchant and creator wallets
Enabled offline QR codes for brick-and-mortar stores, allowing payments without POS systems
Created plug-and-play checkout widgets, payment links, and QR codes usable across platforms
Delivered a developer-first integration with SDKs and REST APIs that work in minutes
Enabled global payments without chargebacks, intermediaries, or geographic restrictions
Balanced Web2-level UX with Web3-native security and decentralization

What’s Next

CheckoutX aims to become the default stablecoin payment layer for the internet—powering commerce for businesses, creators, and developers worldwide.

We believe the future of payments is global, instant, and permissionless, and CheckoutX is built to enable exactly that.