Accept stablecoin.
Get paid in AUD.
Same EMV terminal, same tap. Customer sends AUDD or AUDM. Funds land in your existing Australian bank account, settled and reconciled. 60 bps flat. No card network. No chargebacks.
Three steps.
Plug in your terminal.
We ship an OPK Pay Terminal preconfigured for your business, or load the Android app onto your existing device.
Connect your bank.
Link your AUD bank account during onboarding. AUDD and AUDM redemptions route directly. We handle the off-ramp.
Take payments.
Customer taps or scans. Stablecoin settles on Base in 2 seconds. AUD lands in your bank the same/next business day.
Less to pay.
More to keep.
| Visa / Mastercard | OpenPasskey | |
|---|---|---|
| Total merchant fee | 150–250 bps blended | 60 bps flat |
| Settlement time | 1–3 business days | 2 seconds, on-chain |
| Chargebacks | Yes, costly to the merchant | None. Refund is a deliberate action. |
| Hardware | Card terminal + acquiring contract | Same EMV terminal · OPK Pay app |
| Loyalty / rewards | Bolted on, plastic stamp cards | Programmable hooks, on every transaction |
| Reconciliation | Monthly statement, opaque interchange | Real-time, on-chain ledger, exportable |
Switch your payments.
Start with loyalty.
The same OPK terminal runs in two modes. Plug it in today as a digital stamp card — keep your existing card processor, and let your regulars rack up free coffees on-chain. When you're ready, one switch turns on stablecoin payments. Same hardware. Same merchant portal. Zero migration.
Stamp card, on-chain.
Tap to stamp. Stamp collects in their Apple/Google wallet — not their drawer. 10th coffee free, awarded automatically. Cross-merchant rewards work out of the box.
same terminal
Take stablecoin. Get AUD.
Same terminal. Customer taps OPK card or scans QR. Stablecoin settles in 2 seconds, AUD lands in your bank. 60 bps flat. No re-onboarding.
More than just lower fees.
No chargebacks
On-chain settlement is final. Disputes become a deliberate refund action, not a unilateral reversal weeks later.
2-second settlement
Funds reach your vault before the customer leaves the counter. Move to your bank on a daily schedule that suits you.
Built-in loyalty
Stamp cards, cashback, cross-merchant rewards. Define your hook, ship the same day. No POS plugin required.
Real-time reconciliation
Every payment is a public on-chain transaction. Export to Xero or MYOB. Your accountant will love you.
30-day timelock vaults
Payout addresses are vault-locked. Changes require a 30-day timelock. Operator keys can be rotated anytime.
Customers in your store today
4–5M Australians hold crypto. We onboard the consumer side. You meet them at the till.
“We were paying Square 1.6% on every coffee. With OpenPasskey it's 0.6% and the money is in our account before lunch, not Tuesday.”
Chloe's Mama Kitchen · Turramurra · live since April 2026Request a test terminal.
We'll ship a configured OPK Pay device to your business, set up your vault, and walk you through your first transaction. Australia first, expanding from Q3.