Why architecture matters here

Stablecoin fails on reserve gaps, custody loss, and compliance violations. Architecture matters because reserves + custody + compliance + audit compose.

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The architecture: every piece explained

The top strip is issuance. Issuer. Reserves. Custody. Chain settlement.

The middle row is payments. AP2 signed intent. Compliance. Fees + latency. Reversal.

The lower rows are governance. Audit. Reporting. Ops — reserves proof + insurance.

AP2 stablecoin — issuance + custody + reserves + settlement + regulatoryprogrammable dollars for agentsIssuerregulatedReserves1:1 backingCustodywallets + keysChain settlementL1 or L2AP2 signed intentbuyer authorizesCompliancesanctions + KYCFees + latencygas + finalityReversaloff-chain evidenceAuditon-chain + off-chainReportingregulator + userOps — reserves proof + insurance + governanceauthorizegatesettlereverserecordreportreportoperateoperate
AP2 stablecoin settlement flow.
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End-to-end flow

End-to-end: agent authorizes payment via AP2 intent. Compliance checks sanctions + KYC. Custody signs and submits on-chain transfer. Finality at ~2 blocks. Audit trail on-chain + off-chain intent. Regulator report monthly.