a new world of finance
Businesses keep 50% more from every sale.Customers pay 1% less every purchase.
built on stablecoins
Instant settlement. Lower-cost global payments.Private when you want it.
one integration. every way to get paid.
Online, in person, inside apps, or through AI.Connect and start accepting payments with Soca in minutes.
start keeping what you earn
Businesses keep 50% more from every sale.Customers pay 1% less every purchase.
For business
Why businesses switch to Soca.
Accept USDC through a hosted checkout, a payment link, or a drop-in Pay button you paste onto any site, at far lower fees than card processors and settling instantly as USDC in your wallet with no payout window. Card and bank checkout are coming soon.
Earn 10% of everything Soca makes from every business you refer. Not just their payments, but privacy fees, the spread on their balances, global transfers, and subscriptions. A business doing $1M a year earns you around $1,400, every year they stay.
No setup fees, no monthly cost, no minimums. We earn a small share only when a payment actually lands, so nothing leaves your pocket until money moves.
Turn any phone into a tap-to-pay terminal. Take payments at the counter or on the go, at a lower rate than card terminals, settling straight to your wallet with instant receipts.
Route payments, receive links, and payouts privately. The USDC transfer stays off your public on-chain history, through a privacy partner. Opt-in per action. Covers private payments, private receive links, and private payroll/payouts today, with more flows on the way.
Run weekly, monthly, or annual plans with automatic renewals and built-in dunning to win back failed payments. USDC payments can’t be charged back, so you see far fewer disputes than card-only billing.
Split revenue into separate balances, operating, payroll, tax reserve, with rules that set aside a cut of every sale automatically. Earning variable yield on idle funds is coming soon.
Meter anything and bill for exactly what customers use, with a credit ledger, entitlements, and per-unit pricing down to the cent.
For everyone
Save when you spend. Earn when you don’t.
This isn’t points or cashback you claim later. When you pay with Soca, 1% comes straight off the price at checkout. A real discount almost no one offers.
Refer someone and earn a share of everything they do on Soca. 0.2% their first year, then 0.1% every year after, for as long as they stay. Their payments, yield, privacy, and global transfers all count.
Your balance lives in your own wallet, not a bank’s or Soca’s. Soca can’t freeze it, hold it, or move it — it settles to a wallet only you control.
Soon your Soca balance will earn variable yield automatically, growing while it sits and still yours to spend the moment you want it.
Send privately, or get paid through a private link. The USDC transfer stays off your public on-chain history, routed through a privacy partner. Opt-in, off by default. More flows on the way.
Move money across the world for a fraction of a percent. It’s on-chain USDC, so there are no bank wires, no FX markups, and no middlemen taking a cut.
Why you pay less
We're not a card network. So we don't charge like one.
A typical card payment is split between the issuing bank, the card network, and the payment processor. Often 2–3% of every sale disappears before a business receives it.
Soca uses stablecoin payments instead. Money moves directly between customer and business, with network fees sponsored by Soca. Businesses keep more of every sale, and customers pay 1% less at checkout.
- Direct wallet-to-wallet payments
- Network fees sponsored by Soca
- More value stays with customers and businesses
Wireless headphones
Black · Over-ear
Payment method
Card
Visa, Mastercard, Amex, etc.
Soca
Save 1% on every purchase, forever
Secure and encrypted checkout
Built to plug in
Plugs into everything you already run.
Your website, your counter, your community, your agents, connect Soca with a link, a snippet, or one API call. Or point an agent at our MCP and it wires itself.
Your website
Drop in a hosted checkout or embed payments directly on any site.
In person
Turn any phone into a tap-to-pay terminal at the counter.
Telegram
Take payments and gate access right inside your community.
Discord
Tie roles and access to payment status, automatically.
Developers
REST APIs, SDKs and webhooks for any application.
AI
Let AI agents buy, sell and get paid through Soca.
Referrals
Earn as your network grows.
Earn a share of what Soca earns whenever someone you refer uses an eligible product or makes a payment. Rewards are added to your balance automatically.
- Friends and businesses
- Ongoing rewards
- Added automatically
Today
James paid with Soca
Referral · Payment
Emma earned yield
Referral · Earning balance
Northstar Studio
Referral · Business revenue
Global
Move money without borders.
Send money to friends, family, or businesses around the world in seconds. Stablecoins remove expensive international wires and hidden currency conversion fees.
- Global in seconds
- No wire fees
- No hidden FX markups
From
Toronto
To
Tokyo
$500
Privacy
Go private in one tap.
Send money, get paid through a private link, or run payroll. Each one stays off your public on-chain history, routed through a privacy partner. Optional, opt-in, and always your choice.
- One tap to enable
- Payments, links, and payouts
- Always your choice
Overview
Balance
$18,421.37
Net Worth
$46,782.18
Recent activity
Yield · Coming soon
Soon, your balance grows on its own.
Yield is on the way: instead of sitting idle, your balance will earn automatically in the background while staying ready to spend whenever you need it. No staking, no lockups, and nothing to manage.
- Always earning
- Spend anytime
- Nothing to manage
Available
$12,842.57
Crypto underneath. Familiar everywhere else.
Soca keeps the speed and reach of stablecoins while removing the parts people usually struggle with. Send by username, pay without managing gas, track every transaction, and get refunded when needed.
Send
Send by username
James Wilson
Verified Soca account
Fees
No gas to manage
Records
Receipts and refunds
Essentials Hoodie
$127.71
Paid to Northstar Studio
July 20, 2026 at 2:42 PM
Safety
Protection from mistakes
You are sending
$500.00
To
@maya
Maya Chen
For
Invoice #1048
Developers
One API for the entire Soca stack.
Access payments, wallets, billing, refunds, and agent commerce without rebuilding the infrastructure underneath.
Developers
From idea to payment in minutes.
Add payments, subscriptions, invoices, wallets, refunds, and agent commerce with a few lines of code. Soca handles stablecoin settlement, sponsored network fees, and payment logic underneath.
Every action, one call away.
Checkout, subscriptions, invoices, usage metering, and prepaid credits through one typed client. Test in sandbox, switch one flag, and go live without building separate payment infrastructure.
- Typed SDKs for your stack
- Signed, retried webhooks
- A sandbox that behaves like production
Run to see the response.
One network.
Two ways in.
Build the infrastructure businesses run on, or open the account that helps customers keep more.
