The Fianto blog, page 5.
Notes on USDC subscriptions on Solana: how renewals are collected, what Fianto ships, and the numbers behind it.
Older posts.
Streaming payments vs per-period subscriptions: Superfluid and Fianto
Money streaming moves tokens from payer to payee continuously at a set rate per second, so the payee's balance grows every second until someone stops the stream or the payer's balance runs out; Superfluid does this on EVM networks with wrapped Super Tokens such as USDCx. A per-period subscription instead collects one fixed charge per billing period, which is how Fianto bills USDC on Solana: the customer approves once, and each 30- or 365-day charge is pulled within a cap. Streaming fits salaries, vesting and pay-as-you-go use; per-period billing fits a product sold by the month or year.
ComparePaymentsStripe stablecoin payments vs Fianto checkout for one-off USDC sales
Stripe's one-off stablecoin payments cost the merchant 1.5% of the amount on Stripe's pricing page as of 15 October 2026, accept USDC on five networks including Solana, and settle in your Stripe balance in your local currency. Fianto's checkout accepts only USDC on Solana, charges the merchant nothing, and the customer's transaction puts the USDC in your own wallet. Stripe suits US businesses that want dollars and one checkout for cards and crypto; Fianto suits sellers who want to keep USDC, or who cannot use Stripe's crypto payment method.
GuidesHow to refund a USDC payment and record it, with a refund policy template
To refund a USDC payment taken with Fianto, you send USDC from your own receiving wallet to the customer's wallet, because Fianto never holds the money and has no refund API. That transfer is yours: you sign it and pay its Solana fee in SOL. Fianto charges you nothing for it, and cannot see it either, so you keep the record yourself.
StablecoinsTurning USDC revenue into local currency: what Fianto does and does not do
Fianto does not turn USDC into local currency: every payment lands as USDC in your own Solana wallet, and Fianto has no off-ramp, payout or bank transfer. To get money into a bank account you sell the USDC through a third party, usually an exchange account or an off-ramp service; Circle, which issues USDC, redeems it 1:1 for dollars only for institutions through Circle Mint. Each sale is a transaction you record for tax, and nothing here is financial, tax or legal advice.
PaymentsDo you need a licence to accept crypto payments? What US regulators say
FinCEN's federal guidance has no separate category for a merchant paid in crypto: it says a user, a person who obtains virtual currency to buy goods or services, is not a money services business (2013), and that crypto payment processors, intermediaries that let merchants accept crypto, fall within the definition of a money transmitter (2019). New York's regulator says merchants that use virtual currency solely to buy or sell goods or services are exempt from its BitLicense; other states have their own laws. This post quotes those texts as of 15 October 2026, is not legal advice and does not say whether you need a licence.
PaymentsWalletsWrong amount, token or network: crypto payment mistakes and how a signed checkout prevents them
Once a crypto transfer is final, nobody can pull it back: not your wallet, not the network and not Circle, whose USDC terms say "Circle does not have the ability to reverse or recall any transaction once initiated." The only way to get mistaken USDC back is for whoever controls the receiving address to send it, and anyone who offers to "recover" it for a fee is almost certainly running a scam. A checkout that builds the transaction for the customer removes the usual mistakes before the wallet opens: on Fianto the amount, the token, the network and the destination are fixed by the server and checked again after signing.
PaymentsHow long does a USDC payment take to settle? Cards vs USDC on Solana
Measured to the moment it can no longer be undone, a USDC payment on Solana settles in about 12.8 seconds until the Alpenglow upgrade activates on 21 October 2026, and solana.com targets roughly 150 milliseconds after that. The money is in the merchant's own wallet from the moment the transaction lands; there is no payout to wait for. A card payment through Stripe in the US becomes available after 2 business days, the first payout takes 7 to 14 days, and the cardholder can usually dispute it for 120 days, sometimes longer.
StablecoinsWhy price a subscription in USDC, not SOL: volatility, caps and trade-offs
Price a subscription in USDC because a recurring charge on Solana is capped by a fixed number of token units, and SOL's dollar value moves too much for a fixed number to stay a fair bill. On Coinbase, SOL closed at $202.55 on 14 October 2025 and $104.18 on 14 October 2026, with a low close of $62.15 on 6 June 2026, so 20 dollars took anywhere from 0.0987 to 0.3218 SOL in that year. A plan priced at 20.00 USDC asks the same amount every period; Fianto bills in USDC on Solana only.
StablecoinsThe GENIUS Act explained for merchants: dates, rules and what it regulates
Signed on 18 July 2025, the GENIUS Act (Public Law 119-27) sets the US rules for payment stablecoins such as USDC: who may issue them, what reserves back them and what issuers must publish. It takes effect on 18 January 2027 at the latest, and as of 15 October 2026 its implementing rules are still proposals, apart from one procedural interim rule from Treasury. Its obligations fall on issuers and on "digital asset service providers", and the word "merchant" appears in it only once, in an unrelated phrase. This post is not legal advice.
SolanaWhy did my Solana payment fail? Common errors in plain English
The usual reasons a Solana payment fails sit in the wallet: too little of the token being sent, too little SOL for the network fee and the minimum balance, no account for that token yet, or a transaction signed too late, after its blockhash expired. A Solana transaction is all or nothing, so a failed one moves no tokens, though one that reached the network and failed still costs its small SOL fee. On a Fianto checkout most of these are caught before your wallet even opens, and the page names the one that stopped you.
WalletsSign message vs sign transaction: what you are approving in a Solana wallet
Signing a message proves you control a wallet and moves nothing: the signature goes back to the site that asked, never to the network, and costs no fee. Signing a transaction authorises instructions that run on chain, which can move tokens and cost a small network fee once the network processes them. Fianto uses both, on purpose: merchants prove their receiving wallet and customers sign in to the portal with a message, while a payment, a subscription and a cancel are transactions.
DevelopersAdd USDC checkout with an AI coding agent: the Fianto agent skill
Run npx skills add fianto-xyz/skills in your project, then ask your coding agent to add Fianto checkout: the skill gives it the real API, the official @fianto/* packages and the rules that keep money safe. It cannot create your merchant account, your API keys or your webhook secret, and it is told to ask you before anything irreversible, such as cancelling a real subscription or moving USDC.