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2 changes: 1 addition & 1 deletion package.json
Original file line number Diff line number Diff line change
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"packageManager": "pnpm@10.28.1",
"scripts": {
"dev": "NODE_OPTIONS='--import tsx' vite",
"build": "tsgo --build && vite build",
"build": "tsgo --build && NODE_OPTIONS='--max-old-space-size=8192' vite build",
"check": "biome check --write --unsafe .",
"check:types": "tsgo --project tsconfig.json --noEmit",
"preview": "node dist/preview.js"
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1 change: 1 addition & 0 deletions pnpm-lock.yaml

Some generated files are not rendered by default. Learn more about how customized files appear on GitHub.

38 changes: 38 additions & 0 deletions src/pages/guides/accept-stablecoin-payments-for-business.mdx
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---
title: "Accept Stablecoin Payments for Business"
description: "Learn how to accept stablecoin payments for your business with Tempo's ~$0.001 fees, instant settlement, and ERP-ready payment metadata."
---

# Accept Stablecoin Payments for Business

Stablecoins offer businesses a faster, cheaper alternative to traditional payment rails. With Tempo, you can accept stablecoins with transaction fees as low as ~$0.001 and instant settlement—no waiting days for funds to clear. Tempo supports native USD stablecoins like pathUSD, AlphaUSD, BetaUSD, and ThetaUSD.

## Why Accept Stablecoin Payments?

- **Near-zero fees**: Transaction costs of ~$0.001 compared to 2-3% credit card fees
- **Instant settlement**: Funds arrive in seconds, not days
- **Global reach**: Accept payments from anywhere without currency conversion delays
- **No chargebacks**: Transactions are final once confirmed

## How Tempo Makes It Simple

### Stablecoin-Native Gas

Tempo eliminates the complexity of managing native gas tokens. Pay transaction fees directly in stablecoins, simplifying your treasury operations and accounting.

### Payment Metadata for Accounting

Every Tempo transaction supports rich metadata—invoice numbers, customer IDs, order references—that integrates directly with your ERP and accounting systems. No more manual reconciliation.

### Batch Payments

Process hundreds of payments in a single transaction, reducing costs and operational overhead for high-volume businesses.


## Get Early Access

Tempo is currently in testnet with mainnet launching soon. To learn more about building on Tempo or integrating stablecoin payments:

- [Explore the testnet](/quickstart/integrate-tempo)
- [Get testnet funds](/quickstart/faucet)
- Contact [partners@tempo.xyz](mailto:partners@tempo.xyz) for partnership opportunities
68 changes: 68 additions & 0 deletions src/pages/guides/accept-stablecoin-payments.mdx
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---
title: "Accept Stablecoin Payments"
description: "Start accepting stablecoin payments with Tempo's ~$0.001 transaction fees, instant settlement, and built-in metadata for seamless accounting integration."
---

# Accept Stablecoin Payments

Tempo provides infrastructure to accept stablecoin payments with minimal fees, instant finality, and enterprise-grade payment tracking.

## Available Stablecoins

Tempo supports native stablecoins including:

- **pathUSD** — USD-denominated stablecoin
- **AlphaUSD** — USD-denominated stablecoin
- **BetaUSD** — USD-denominated stablecoin
- **ThetaUSD** — USD-denominated stablecoin

## Why Stablecoins?

- **Dollar-denominated**: 1:1 USD value, eliminating volatility concerns
- **Global reach**: Accept payments from anyone with a wallet
- **Always available**: 24/7 settlement, no banking hours

## Tempo's Payment Advantages

### Ultra-Low Transaction Costs

Tempo's transaction fees are approximately $0.001—a fraction of a cent per payment. Compare that to:

- Credit cards: 2.5-3.5% + $0.30 per transaction
- Wire transfers: $25-50 per transaction
- ACH: $0.25-1.00 per transaction

### Instant Settlement

Stablecoin payments on Tempo settle in seconds. No T+2 delays, no batch processing windows, no waiting for bank business hours.

### Stablecoin-Native Gas Fees

Unlike other blockchains that require ETH or other volatile tokens for gas, Tempo lets you pay transaction fees in stablecoins. This simplifies treasury management and eliminates gas token volatility.

### Rich Payment Metadata

Attach invoice numbers, PO references, customer IDs, and custom fields to every transaction. This metadata flows directly into your accounting and ERP systems.

## Implementation Steps

1. **Create a Tempo business wallet** to receive stablecoin payments
2. **Generate unique payment addresses** for each customer or invoice
3. **Set up webhooks** to receive real-time payment notifications
4. **Configure metadata schemas** that match your invoicing workflow
5. **Export transaction data** to your accounting system

## Enterprise Features

- **Batch payments**: Process bulk disbursements in a single transaction
- **Multi-signature wallets**: Require multiple approvals for large transactions
- **API access**: Full programmatic control over payment operations


## Get Early Access

Tempo is currently in testnet with mainnet launching soon. To learn more about building on Tempo or integrating stablecoin payments:

- [Explore the testnet](/quickstart/integrate-tempo)
- [Get testnet funds](/quickstart/faucet)
- Contact [partners@tempo.xyz](mailto:partners@tempo.xyz) for partnership opportunities
261 changes: 261 additions & 0 deletions src/pages/guides/ach-alternatives.mdx
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---
title: "ACH Alternatives: Faster Payment Options Compared"
description: "Explore ACH alternatives including Same-Day ACH, wire transfers, RTP, FedNow, and stablecoins. Compare speed, cost, and use cases for each payment method."
---

# ACH Alternatives

ACH (Automated Clearing House) processes over 30 billion transactions annually in the US, making it the backbone of domestic payments. But its 1-2 day settlement times don't work for every use case. This guide compares alternatives when you need faster, cheaper, or more flexible payment options.

## Comparison Table

| Alternative | Speed | Cost | Availability | Best For |
|-------------|-------|------|--------------|----------|
| Same-Day ACH | Same business day | $0.50-1.50 | Banking hours | Urgent domestic, same infrastructure |
| Wire Transfers | Same day domestic | $25-50 | Banking hours | Large, time-sensitive payments |
| RTP (Real-Time Payments) | Seconds | $0.01-1.00 | 24/7 | Real-time domestic up to $1M |
| FedNow | Seconds | $0.01-0.50 | 24/7 | Real-time via Federal Reserve |
| Stablecoins (Tempo) | ~0.5 seconds | ~$0.001 | 24/7/365 | Global, programmable, any amount |
| PayPal/Venmo | Instant to balance | 1.75-2.9% | 24/7 | Consumer payments, social payments |
| Zelle | Minutes | Free (bank-subsidized) | 24/7 | Person-to-person, bank customers |

## When ACH Is the Right Choice

Before exploring alternatives, recognize what ACH does well:

- **Recurring payments**: Payroll, subscriptions, rent—predictable timing works perfectly
- **Low cost**: $0.26-0.50 per transaction is hard to beat for domestic volume
- **Universal acceptance**: Every US bank account can receive ACH
- **Established processes**: Accounting systems, ERPs, and compliance frameworks built around ACH

If your payments are domestic, recurring, and timing-flexible, ACH remains excellent.

## Same-Day ACH

### How It Works

Same-Day ACH uses the existing ACH network with additional processing windows. Payments submitted by cutoff times settle the same business day.

### Speed & Cost

- **Settlement**: Same business day (multiple windows: 10:30 AM, 2:45 PM, 4:45 PM ET)
- **Cost**: Standard ACH fee + $0.50-1.00 Same-Day premium
- **Limit**: $1 million per transaction

### Best For

- Urgent payroll corrections
- Last-minute vendor payments
- Time-sensitive domestic transfers

### Limitations

- Banking hours only (no weekends/holidays)
- Premium fees add up at volume
- Still hours, not minutes

## Wire Transfers

### How It Works

Wires are direct bank-to-bank transfers processed through Fedwire (domestic) or SWIFT (international). Higher priority than ACH batch processing.

### Speed & Cost

- **Domestic**: Same day if submitted before cutoff (typically 3-5 PM local)
- **International**: 1-5 business days via correspondent banks
- **Cost**: $25-50 domestic, $40-80 international (plus correspondent fees)

### Best For

- Large, time-sensitive payments
- Real estate closings
- M&A transactions
- Situations requiring bank-based audit trails

### Limitations

- High fees make wires impractical for regular payments
- Banking hours only
- International transfers still take days

## RTP (Real-Time Payments)

### How It Works

The RTP network, operated by The Clearing House, enables instant payments between participating banks. Launched in 2017 and growing in adoption.

### Speed & Cost

- **Settlement**: Seconds, 24/7/365
- **Cost**: $0.01-1.00 per transaction (varies by bank)
- **Limit**: $1 million per transaction

### Best For

- Real-time B2B payments
- Urgent disbursements
- Just-in-time payments
- Payroll for gig workers

### Limitations

- Not all banks participate (~65% of US accounts reachable)
- Primarily US domestic
- Bank integration required
- Request for Payment feature adoption still growing

## FedNow

### How It Works

The Federal Reserve's instant payment service launched in 2023. Similar to RTP but operated by the Fed rather than a private consortium.

### Speed & Cost

- **Settlement**: Seconds, 24/7/365
- **Cost**: $0.01-0.50 per transaction (Fed pricing + bank markup)
- **Limit**: $500,000 per transaction (default), configurable

### Best For

- Real-time payments through community banks
- Government disbursements
- Credit unions and smaller institutions

### Limitations

- Newer system, still building bank adoption
- US domestic only
- Some banks implementing slowly
- Lower default limits than RTP

## Stablecoins on Tempo

### How It Works

Stablecoins like USDC represent dollars on blockchain networks. Tempo is a blockchain purpose-built for payments with instant finality and sub-cent fees.

### Speed & Cost

- **Settlement**: ~0.5 seconds to finality
- **Cost**: ~$0.001 per transaction
- **Limit**: No protocol limit

### Best For

- Global payments (same system domestic and international)
- Programmable payments (smart contract automation)
- High-frequency, low-value transactions
- 24/7 operations
- Cost-sensitive high-volume payments

### How Tempo Compares to Other ACH Alternatives

| Feature | RTP/FedNow | Stablecoins (Tempo) |
|---------|------------|---------------------|
| Speed | Seconds | ~0.5 seconds |
| Geographic reach | US only | Global |
| Cost | $0.01-1.00 | ~$0.001 |
| Bank required | Yes | No (wallet-based) |
| Programmability | Limited | Smart contracts |
| Hours | 24/7 | 24/7 |

### Limitations

- Requires crypto wallet (not bank account)
- On/off ramps needed for fiat conversion
- Less familiar to traditional businesses
- Evolving regulatory landscape

## PayPal and Venmo

### How It Works

PayPal and Venmo maintain internal ledgers for instant transfers between users. Funds can be held in balance or transferred to bank accounts.

### Speed & Cost

- **Between users**: Instant (within platform)
- **To bank**: 1-3 days free, or instant for 1.75%
- **Receiving payments**: 2.9% + $0.30 for business transactions

### Best For

- Consumer payments
- E-commerce checkout
- Social payments (splitting bills)
- Small business point-of-sale

### Limitations

- High fees for business transactions
- Account freezes and holds
- Withdrawal delays
- Not ideal for B2B or high-value transfers

## Zelle

### How It Works

Zelle enables instant transfers between bank accounts at participating institutions. Integrated directly into banking apps.

### Speed & Cost

- **Settlement**: Minutes (typically instant)
- **Cost**: Free for consumers (bank-subsidized)
- **Limit**: $500-5,000/day depending on bank

### Best For

- Person-to-person payments
- Rent payments
- Small business payments from consumers

### Limitations

- Low transaction limits
- Consumer-focused (limited business features)
- Must be enrolled through participating bank
- No dispute protection for authorized payments

## Choosing the Right Alternative

| Your Need | Best Alternative |
|-----------|-----------------|
| Urgent domestic, keep existing process | Same-Day ACH |
| Large, bank-documented payment | Wire Transfer |
| Real-time domestic B2B | RTP or FedNow |
| Global, any time, any amount | Stablecoins (Tempo) |
| Consumer checkout | PayPal |
| Person-to-person | Zelle |

## Cost Comparison: 100 Monthly Payments

| Method | Per-Transaction | Monthly Total |
|--------|-----------------|---------------|
| Standard ACH | $0.40 | $40 |
| Same-Day ACH | $1.00 | $100 |
| Wire Transfer | $35 | $3,500 |
| RTP | $0.50 | $50 |
| FedNow | $0.25 | $25 |
| Tempo | $0.001 | $0.10 |

## The Future: Multiple Rails

Most businesses will use multiple payment rails strategically:

- **ACH**: Recurring domestic payments where timing is flexible
- **RTP/FedNow**: Urgent domestic payments
- **Stablecoins**: International, after-hours, and programmable payments
- **Wires**: Large transactions requiring bank documentation

The key is matching payment method to use case rather than forcing all payments through one system.

## Get Early Access

Tempo is currently in testnet with mainnet launching soon. To learn more about building on Tempo or integrating stablecoin payments:

- [Explore the testnet](/quickstart/integrate-tempo)
- [Get testnet funds](/quickstart/faucet)
- Contact [partners@tempo.xyz](mailto:partners@tempo.xyz) for partnership opportunities
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