OrcaRail is a crypto payment API for Web2 apps. Accept stablecoins across multiple chains with a single integration, fiat-priced checkout, and 0.5% fees. OrcaRail bridges Web2 apps and Web3 settlement, delivering "Stripe-like" multichain crypto checkouts as a developer-first, transparent public good.
Maker
📌I believe crypto payments should be an open, transparent public good. Drawing on over a decade of experience as a startup CTO and blockchain developer, I was inspired to build the essential "plumbing" to easily connect everyday Web2 businesses with fast, borderless Web3 technology.
Merchants are trapped by high fees, complex crypto interfaces, and price volatility. Legacy processors take up to 4%, and even crypto gateways like Stripe still charge 1.5% to 2.9%. We solved this by offering "Stripe-like" simplicity alongside a highly competitive 0.5% transaction fee. This allows merchants to price items in standard fiat (like USD) to avoid price swings, while instantly settling the payment in stablecoins.
Our approach evolved in three key ways:
- Automating Network Support: Instead of manually maintaining blockchain nodes, we integrated deeply with Relay's API to automatically sync and support 75+ networks and 2,300+ tokens from day one.
- Building Native Subscriptions: We realized one-off payments were not enough for SaaS businesses, so we engineered true "auto-charge" subscriptions using smart contracts (EVM allowances and Solana delegations) for automatic recurring billing.
- Refining the Pricing Model: As discussed recently, we evolved our monetization strategy to a 0.5% transaction fee. This acts as the perfect "adoption wedge"—offering merchants massive cost savings against competitors while giving us a sustainable, volume-based revenue stream.
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