Supported Assets
Epay is designed as a multi-asset payment network, with stablecoins serving as the primary settlement instruments. The choice of supported assets directly impacts liquidity, compliance, interoperability, and user adoption. To ensure reliability at launch, Epay prioritizes established, high-liquidity stablecoins while maintaining flexibility for future integrations.
Stablecoins Supported at Launch
At inception, Epay will support three of the most widely used and trusted fiat-backed stablecoins:
USDC (USD Coin) – Issued by Circle, USDC is regulated under U.S. frameworks, fully backed by fiat reserves, and has extensive banking relationships. It is a preferred asset for compliance-focused businesses.
USDT (Tether) – The most liquid stablecoin globally, with deep penetration in emerging markets. USDT ensures user familiarity and broad exchange/wallet support.
PYUSD (PayPal USD) – Issued by Paxos and backed by PayPal’s ecosystem, PYUSD introduces new rails for consumer adoption and merchant acceptance, particularly in e-commerce contexts.
These assets collectively provide global reach, liquidity depth, and multiple network footprints (Ethereum, Solana, L2s, etc.), ensuring users can transact at scale without liquidity bottlenecks.
Potential Integration of Regional Stablecoins
Beyond USD-denominated assets, Epay recognizes the importance of regional and local stablecoins in markets where USD rails are either inefficient or over-regulated. Potential integrations include:
NGN-pegged stablecoins for Nigeria and West Africa, enabling direct local settlements.
EUR-backed stablecoins for European corridors under MiCA compliance.
GHS/KES/ZAR stablecoins to improve accessibility in Sub-Saharan Africa.
CBDCs (Central Bank Digital Currencies) where integration is feasible via APIs or regulated gateways.
In each case, Epay will evaluate liquidity partners, banking anchors, and regulatory permissions before activating support.
Asset Selection Criteria
Epay applies a rigorous evaluation framework before supporting any stablecoin. Key criteria include:
Liquidity Depth – asset must demonstrate consistent daily trading volume across centralized and decentralized markets to support real-time settlement.
Transparency & Audits – issuers must provide frequent attestations of reserves (e.g., monthly attestations for USDC, PYUSD).
Regulatory Clarity – assets must either be explicitly regulated (MiCA, NYDFS frameworks) or operate in legal gray areas with low enforcement risk.
Technical Stability – smart contract security, uptime, and multi-chain deployment quality are evaluated before integration.
Anchor Support – availability of regional partners who can mint, redeem, or provide liquidity in the chosen stablecoin.
This ensures that every supported asset aligns with Epay’s compliance-first, reliability-first approach.
Expansion Roadmap
Epay’s asset support strategy will evolve in phases:
Phase 1 (Launch): USD-backed stablecoins (USDC, USDT, PYUSD).
Phase 2: Regional fiat stablecoins (NGN, GHS, KES, ZAR, EUR).
Phase 3: Integration of compliant CBDCs where permitted.
Phase 4: Commodity-backed stablecoins (e.g., tokenized gold) and algorithmic stablecoins (if regulatory frameworks allow).
Each expansion phase is governed by Epay’s Risk & Compliance Committee, ensuring that new assets are only introduced once liquidity, security, and regulatory requirements are met.
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