Anatomy of the Stablecoin Fintech Stack
A Modular Blueprint for Launching Global Fintech Products
Building stablecoin fintech requires assembling multiple specialized layers. Rehive and Bridge together deliver a complete end-to-end solution.
This modular blueprint shows you where each piece fits — and how to scale flexibly by plugging in specialized providers as you grow.
While Rehive + Bridge provides a ready-made global dollar account, additional providers can be added to support more on/off ramps and features as needed.
📱 1. Application Layer
User-facing interfaces (mobile apps, web apps, admin dashboards, etc.) that both fintechs and their customers directly interact with.
Building stablecoin fintech requires powerful user interfaces that are both beautiful and functional.
Fintechs traditionally build this layer themselves, but creating a production-ready multi-platform solution is expensive and time-consuming, often requiring specialized teams for each platform and extensive QA processes.
Implementation Approaches
| Build Custom | Use Pre-built | |
|---|---|---|
| Benefits |
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| Challenges |
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| Ideal For | Teams with large engineering resources and unique UX requirements | Startups and growth-stage companies focused on speed-to-market |
Pro Tip: Even companies that eventually build custom interfaces typically start with pre-built solutions to validate their product and generate revenue while developing.
Pro Tip: Rehive clients get access to the web and mobile frontend codebases to completely customize the frontend look and feel, making it possible to unlock full design control, create a unique user experience, and add proprietary features without starting from scratch.
Application Layer Capabilities by User Type
Below is the typical feature set required for a comprehensive fintech application layer. Rehive already supports most of these capabilities out of the box, allowing you to launch quickly with a full-featured product while focusing your development resources on your unique value proposition rather than rebuilding standard functionality.
| User Type | Example Features & Functionality |
|---|---|
| For Consumers |
•
iOS and Android mobile apps
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Web app
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View accounts and balances
•
Manage profile and settings
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Make payments (deposits, withdrawals, send, receive)
•
Buy and sell crypto
•
Receive referral and cash back rewards
•
Export transaction history
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Download statements
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Receive notifications
|
| For Businesses |
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Same as consumers
•
Create invoices
•
List products in marketplace
•
Manage purchase orders
•
Process point of sale payments
|
| For Admins |
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Admin Dashboard
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Manage users, transactions
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Configure compliance controls, groups, regions and limits
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Configure fees
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Review activity logs
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View metrics
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Configure notifications
•
Configure reward campaigns
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Custom integrations
•
Upload multi-language
|
Rehive provides pre-built, white-label UIs and frontends for all platforms, reducing time-to-market from months to weeks while allowing progressive customization as your product matures.
🛠️ 2. Platform Layer
Fintech engine with ledger, users, compliance logic, and business rules.
The infrastructure powering your fintech product. Think of it as your "fintech operating system" — the essential backend capabilities to manage users, balances, compliance, and transaction flows.
Rehive provides this full fintech platform out of the box, dramatically accelerating time-to-market while giving you the flexibility to customize as needed.
🔐 Auth
Built-in user registration, login, and security with flexible authentication options.
- Multi-factor authentication
- Token management
- User authentication flows
- Security controls
📒 Ledger
Flexible transaction ledger system to track any asset format (fiat, crypto, stablecoins, points).
- Multi-currency support
- Multi-account management
- Immutable transaction records
- Compliance rules
👥 Users
Robust user management for collecting, storing, and verifying user information.
- Tiered KYC implementation
- Group permissions
- User profiles and metadata
- Compliance features
💱 Conversions
Seamless in-app currency conversions between different assets.
- Real-time pricing
- Quote management
- Fee structures
- FX and currency pairs
Additional Platform Capabilities
- Business logic and transaction rules engine
- Messaging and notifications
- Event hooks and triggers
- Transaction fees configuration
- Logs and audit trails
- Compliance logic (transaction limits)
- API and SDK for custom integrations
- Multi-tenant architecture
🔄 3. Connectors Layer
We refer to this as the Connectors Layer, which typically consists of three types of services: 1) direct provider connections, 2) aggregator platforms, and 3) intelligent orchestration solutions.
This connectivity layer links your Core Platform to real-world infrastructure providers and comes in three distinct forms:
1️⃣ Direct Connections
Individual integrations with specific providers (like Plaid for bank connections)
2️⃣ Aggregator Platforms
Services that bundle multiple providers (like Borderless for stablecoin providers)
3️⃣ Orchestration Solutions
Intelligent systems that dynamically route transactions (like Bridge)
This layer is sometimes referred to as the "abstraction" or "orchestration" layer, as it abstracts away provider complexity and orchestrates transaction flows based on cost, speed, and compliance requirements.
- Optimal funds flow management behind the scenes
- Smart routing for payments and liquidity
- Failover logic to maximize uptime
- API normalization across multiple providers
- Cross-border optimization and FX fee efficiency
Rehive integrates with Bridge for a complete fintech backend, and it's possible to add more providers as needed. This flexibility allows fintechs to choose and integrate with different on/off ramps based on their specific requirements, with Rehive managing the underlying connections and optimizing the flow of funds.
🧩 4. Infrastructure Providers
Custody, KYC/AML, on/off-ramps, and card issuance services that enable global operation.
These are the partners who help you go live legally, securely, and globally.
| Category | Examples | Purpose |
|---|---|---|
| Stablecoin Issuers | Circle, Tether, MakerDAO | Mint, custody, and regulate stablecoins |
| Custody Providers | Fireblocks, BitGo, Bridge | Secure assets, manage wallet infrastructure |
| On/Off-Ramps | Bridge, Transak, MoonPay | Convert stablecoins to local fiat and back |
| KYC & Compliance | Persona, Sumsub | User verification, risk screening, audits |
| Card + Payment Networks | Bridge, Rain, Marqeta | Enable global card issuance and merchant acceptance |
🌐 5. Value Transfer Networks
Blockchains, banking rails, and card networks where actual value movement occurs.
This is the foundational layer — where value actually moves.
| Type | Examples | Function |
|---|---|---|
| Public Chains | Ethereum, Solana | Transfer and settle stablecoins on-chain |
| Banking Rails | ACH, SWIFT, SEPA | Enable fiat transfers to/from banks |
| Card Networks | Visa, Mastercard | Point-of-sale, ATM access, push-to-card payouts |
🔁 Interoperability is the unlock: bridge public and private rails for a seamless user experience.