Security Shaping the Future: Safeheron Propels New Stablecoin Payment Ecosystem

Opening a Crypto Wallet Account is the "First Step" for Enterprises

As global digital asset regulatory frameworks gradually clarify, crypto payments are advancing toward large-scale commercial applications. Major economies such as Hong Kong, the United States, and Singapore have successively introduced regulations related to stablecoins and digital payments, providing clear compliance frameworks for the industry and signaling that crypto payments are transitioning from an exploratory phase to a mature commercialization stage.

Therefore, establishing a crypto wallet account has become a key entry point for enterprises participating in the digital asset payment ecosystem. Whether traditional payment institutions, cross-border e-commerce platforms, or financial institutions, adopting crypto wallet account systems has become an essential means of connecting to stablecoin channels. However, the payment industry still faces three major challenges when expanding crypto payment applications: cross-border compliance issues due to regulatory differences across regions, institutional-level security architectures that must balance usability and security, and integration challenges between crypto wallets and existing payment systems.

As an open-source digital asset self-custody service provider based on MPC and TEE technologies, Safeheron is helping the payment players overcome these challenges, providing solid support for the commercial scaling of enterprise crypto payments.

What is the Stablecoin Payment Industry Chain

Upper Stream: Infrastructure and Value Creation

The upper stream of the stablecoin payment industry chain primarily includes stablecoin issuers, underlying infrastructure providers, and blockchain network protocol layers.

Stablecoin issuers such as Circle (USDC), Tether (USDT), JINGDONG Coinlink, and Paxos (BUSD) are responsible for minting, redeeming, and managing reserves of stablecoins, serving as value anchors for digital asset payment systems. These institutions face core challenges in private key management, asset transparency, and compliance auditing, with extremely high requirements for security and regulatory compliance.

Underlying infrastructure providers such as Alchemy, Infura, and Safeheron provide blockchain node access, API interfaces, and security infrastructure for the industry chain, serving as critical bridges connecting blockchains with application layers. These institutions need to ensure high availability, security, and scalability of their services to support the stable operation of upper-layer applications.

Blockchain networks and protocol layers such as Ethereum and Solana provide transaction confirmation, consensus mechanisms, and smart contract foundations, serving as the underlying support for the entire ecosystem. The main demands at this level are improving throughput, reducing transaction fees, and achieving cross-chain interoperability.

Mid-Stream: Transaction Processing and Liquidity Provision

The mid-stream industry primarily consists of payment service providers, exchanges, OTC desks, and wallet service providers.

Payment service providers such as BitPay, Crypto.com Pay, Rong360, KUN, dtcpay, interlace, Request Finance, and MoonPay are responsible for transaction processing, clearing, and settlement, acting as connectors between digital assets and the fiat world. These institutions need to ensure fund security, compliance operations, and efficient processing to provide a smooth payment experience.

Exchanges and OTC desks such as Binance, Coinbase, Amber Group, BitMart, Legend Trading, and HashKey OTC Global provide digital asset trading, liquidity, and fiat currency on/off-ramp services, serving as core hubs for digital asset circulation. They need to establish secure and reliable hot and cold wallet architectures, efficient fund aggregation systems, and comprehensive risk control frameworks.

Wallet service providers such as MetaMask, Trust Wallet, and uxuy provide asset management and transaction interfaces for users, serving as the first entry point for users to interact with the digital asset world. These services need to address core issues such as private key management, multi-signature authorization, and user-friendly interfaces.

Downstream: Application Scenarios for End Users

The downstream industry primarily includes cross-border payment and remittance services, cross-border e-commerce platforms, game merchants and developers, and cross-border trade enterprises.

Cross-border payment and remittance services provide low-cost cross-border fund transfer services for businesses and individuals, requiring compliant channels, stablecoin liquidity, and efficient settlement systems.

Cross-border e-commerce platforms utilize digital assets to solve pain points in traditional payments such as exchange rate losses and settlement delays, with strong demands for seamless payment experiences, exchange rate advantages, and global coverage.

Game merchants and developers leverage digital assets to enable seamless payments and revenue distribution for global users, reducing fees and accelerating settlement speeds. This sector requires key functionalities such as micropayment processing, global user coverage, and transparent revenue distribution.

Cross-border trade enterprises apply digital assets to optimize international supply chain payment processes, reducing intermediaries and improving capital turnover efficiency. This sector requires key functionalities such as trade financing, regulatory compliance interfaces, and secure transaction verification.

Safeheron’s Upgraded Product Matrix: Building Enterprise-level "Crypto Accounts" Systems

Over the past decade, stablecoin issuers have driven the first wave of crypto payment adoption. Recently, with increasingly clear regulations for stablecoins and the crypto industry, more enterprises need more comprehensive underlying business systems. So how can the crypto finance industry chain achieve the same level of security and compliance as traditional finance? How can top-level design effectively promote large-scale scenario implementation? As an enterprise-level self-custody security infrastructure, Safeheron aims to help every enterprise enjoy secure, compliant, and self-controlled enterprise-grade crypto wallet account architecture similar to bank accounts.

Safeheron’s upgraded product matrix consists of four core products, forming a complete solution spectrum from SaaS to private deployment.

MPC Self-Custody is an all-in-one institutional-grade digital asset self-custody solution that natively supports multi-platform management and transactions for mainstream blockchain networks and over 1,000 tokens. MPC technology eliminates single private key risk by building private key sharding for multi-person asset management, coupled with a TEE-empowered policy engine to implement multi-level permission systems and full-process approval mechanisms, ensuring enterprises can achieve decentralized transparent asset governance. The complete API set can also flexibly match team asset management and business operations, with automatic collection helping business automation and significantly improving business efficiency.

MPC Node Suite (SMN) is Safeheron’s private MPC-TSS key management solution that seamlessly integrates into customers’ existing system architectures, helping customers securely, efficiently, and massively build applications based on MPC wallets. As a white-label solution, SMN allows customers to directly integrate MPC threshold signature capabilities into their applications through SDKs without having to research cryptography and trusted computing from scratch. This not only provides enterprise-level security protection internally for customers with full data ownership, but also helps customers gain more trust from their end users, enabling them to quickly expand their business by seizing market opportunities on a foundation of high security.

Safeheron Connect is an efficient, secure, and compliant cryptocurrency transaction solution meticulously crafted by Safeheron for institutions. Built on TEE technology, Safeheron Connect’s secure transaction collaboration network implements an "address verification-free, risk-isolated" mechanism for inter-institutional transfers, similar to bank card transfers between banks, PayPal fund transfers, or WeChat friend transfers, using trusted profiles as transaction counterparties, significantly improving cross-institutional asset transfer efficiency while greatly reducing operational and compliance risks.

Click to learn how Safeheron Connect ensures transaction security.

TEE KMS Node is a completely private API Key and wallet private key management tool based on trusted execution environments, protecting private keys through hardware-level isolation to achieve the optimal balance between security and performance. This product uses Safeheron’s open-source TEE framework to create isolated trusted areas that protect single private keys and process sensitive data, effectively resisting system-level and memory attacks, providing stronger protection for high-value assets.

In terms of advanced features, Safeheron also provides innovative tools such as automative asset collection (Auto Sweep) and energy rental, and continuously enhances core functionalities like AML/KYT, policy engines, and API Co-Signer to improve its product ecosystem.

Safeheron’s self-developed and open-source MPC (Multi-Party Computation) technology achieves operation without exposing the original private key and private key shards throughout the entire private key lifecycle, and supports multiple elliptic curves to fully cover mainstream blockchain networks. Compared to traditional multi-signature solutions, MPC technology demonstrates significant advantages: substantially reduced transaction fees, broader chain compatibility, and greatly enhanced transaction privacy protection, making it the preferred solution for institutional digital asset management.

At the same time, Safeheron’s self-developed and open-source TEE (Trusted Execution Environment) technology provides solid hardware-level security guarantees for its products, further enhancing overall security and trustworthiness.

Bank-Grade Stablecoin Solution: Empowering the Stablecoin Payment Industry Chain

Safeheron’s new product matrix provides comprehensive solutions for various links in the stablecoin payment industry chain.

The upper stream primarily includes stablecoin issuers, underlying infrastructure providers, and blockchain network protocol layers. Taking stablecoin issuers as an example, Safeheron provides stablecoin issuance and tokenization solutions, as well as refined cold, warm, and hot wallet architecture solutions. By carefully designing MPC wallet architecture based on wallet purpose and usage frequency, utilizing MPC hot wallets and warm wallets to support daily minting and redemption operations, and complementing with physical cold wallets or very low-frequency MPC wallets, effective fund isolation is achieved. Distributed private key shard management completely eliminates private key single-point risks, multi-party TEE transaction approval processes effectively prevent internal fraud and external attacks, while disaster recovery mechanisms ensure business continuity.

The midstream industry mainly consists of payment service providers, exchanges, OTC platforms, and wallet service providers. These businesses need supporting solutions for crypto acquiring and settlement, crypto debit cards, deposit/withdrawal, cross-chain bridges, keyless wallets, crypto revenue sharing, and AML/KYT compliance. Meanwhile, the solutions adopted by midstream enterprises must also have the capability to help them build applications and tools for downstream and end users.

Taking exchanges and payment service providers (PSPs) as examples, they can achieve significant cost reduction and efficiency improvements through Safeheron. Its Auto Sweep function enables efficient fund scheduling through smart threshold triggers while optimizing Gas fees, effectively improving operational efficiency; the energy leasing model further helps enterprises dramatically reduce transaction costs. Safeheron’s API and SDK integration solutions greatly simplify the development process, enabling customers to quickly build efficient and flexible wallet account systems, allocate resources reasonably, and seize market opportunities. Its multi-layered security protection system encompasses multi-factor verification mechanisms, abnormal transaction monitoring, and risk early warning systems, providing comprehensive security protection for institutions. Furthermore, through Safeheron’s Connect transaction network, enterprises can build efficient peer-to-peer business networks and expand more business cooperation opportunities.

The downstream industry covers cross-border payment and remittance services, cross-border e-commerce platforms, game merchants and developers, and cross-border trade enterprises. These businesses generally need solutions to meet the demands of internal team asset management, independent platform development, and efficient inter-institutional transfers.

In addition to utilizing applications built by midstream players, downstream enterprises can also directly adopt Safeheron’s one-stop asset self-custody solution. When downstream enterprises have internal asset management needs, they can use Safeheron to achieve institutional-level asset management and build internal asset management platforms or end-user-facing service platforms through its supporting APIs or SDKs.

Safeheron effectively eliminates enterprise private key single-point risks through MPC technology, and combines TEE technology with hierarchical permission mechanisms to create a transparent asset governance system. The solution supports multi-currency management, automatic exchange, and flexible withdrawal functions, while integrating leading AML and KYT services to monitor transaction risks in real-time, effectively meeting regulatory compliance requirements and laying a solid foundation for business expansion.

The Go-To Security Infrastructure for Building the Crypto Payment Industry

Safeheron’s upgraded product matrix comprehensively empowers the stablecoin payment industry chain: from upstream stablecoin issuance, mid-stream liquidity to downstream payment applications, achieving full-chain protection; flexibly providing full-scenario adaptation solutions from SaaS to private deployment; and building a multi-dimensional protection system from private key management to transaction verification, ensuring comprehensive security.

Safeheron has adhered to an open-source technology strategy since its inception, which not only improves overall security standards but also promotes industry transparency and verifiability, contributing to the construction of a healthier Web3 ecosystem. As the payment industry steadily moves toward a more secure, compliant, and transparent future, security is no longer an option but the core of infrastructure. Safeheron is committed to helping more payment industry participants achieve secure and compliant development, enabling enterprises to enjoy a secure and reliable experience when using crypto accounts, similar to using bank accounts.