Racto
Launch App

Turn your stablecoins
into everyday money.

Racto gives payment providers a single API to approve payments against users’ available funds across onchain, savings, and spending accounts — without requiring a separate prefunded balance.

Launch App Read the Docs

Our APIs let you spend directly from on-chain savings accounts, with every payment approved against live balances in real time.

Money earns yield until
the moment of spend — with your
favorite neobank.

Any balance, one authorization core, every rail people already spend on — decided in milliseconds.

Robinhood
Base
ETH
Arbitrum
YOUR NEOBANK
TOTAL BALANCE  •  EARNING UNTIL SPEND $29.154
STANDING BY  ...
AUTHORIZING  ...
VIA PSP  •  456 MS
VIA USDC  •  656 MS
Starbucks
Walmart
ChatGPT
McDonald's
Amazon
Airbnb

Works across

USDT USDC other PSPs
Spend from onchain vaults
Spend from your exchange balance
Spend from your neobank balances

Tap card.
Approved. Done.

Identical to a normal debit card —
under the hood, everything is different.

01

Check

Racto reads onchain purchasing power at the moment of spend

Purchasing power $19,748.55
02

Authorize

Card transaction approved in 600 ms on average

DONE STANDING BY ... Starbucks
03

Done

Purchase complete. Settlement follows on its own—nothing for the user to manage

Yield vault Earning until spend
Complete
Yield vault Earning until spend
Complete
Yield vault Earning until spend
Complete

Integrate without rebuilding your stack.

Start with one authorization call, keep the systems you already operate, and work directly with our team when you are ready to integrate.

Launch App Launch App Request sandbox access Read the Docs
Authorization API request approved in 583 milliseconds
POST /v1/authorizations
Live
{
  "account_id": "usr_123",
  "amount": 125.00,
  "currency": "USD"
}
Decision Approved
Latency 583 ms

See what becomes possible with Racto.

Robin Pay
ONCHAIN BALANCE REAL-TIME DECISION ASYNC SETTLEMENT

From onchain balance to payment approval—in one real-time decision.

Racto is working with Robin Pay to bring onchain purchasing power into familiar payment experiences without requiring a separate prefunded balance.

Explore a similar program
Stablecoin liquidity
STABLECOIN BALANCE PROGRAM POLICY CARD PAYMENT

One authorization path across stablecoin purchasing power.

A validation framework for resolving available balance, applying program policy, and returning a payment decision before settlement begins.

Discuss this use case
Card programs
CARD RAILS FAST PATH POLICY CONTROLS

Make purchasing power visible before settlement starts.

Connect account availability to the payment endpoint so a card program can receive a fast decision while its configured settlement flow continues afterward.

Design a card program
Stablecoin rails
RAIL-AGNOSTIC PROVIDER LOGIC ONE API · MULTIPLE ROUTES

Keep the rail flexible while authorization stays consistent.

A single decision layer can sit above provider-specific settlement logic, giving payment products a consistent experience across changing stablecoin infrastructure.

Map your integration

Bring real-time authorization to your payment product.

Connect your account systems to the payment rails your users already rely on—without maintaining a separate prefunded balance.

Launch App Launch App Read the docs Read the Docs

Bring real-time authorization to your payment product.

Connect your account systems to the payment rails your users already rely on—without maintaining a separate prefunded balance.

Launch App Read the Docs