Overview
StablePay is an open-source payment widget that lets merchant websites accept crypto and stablecoin payments without a centralized processor in the middle1. A merchant embeds the widget, a customer clicks Pay, and the transaction settles directly between their wallets through a smart contract, with no Stripe, no PayPal, and no platform sitting between the two parties1. The widget can convert payments on the fly, so a customer can pay in a chain's native coin while the merchant receives a stablecoin.
StablePay is built by the Djed Alliance, the open collective behind the Djed stablecoin protocol, and the work is funded through Cardano's Project Catalyst program2. The widget supports Djed-based stablecoins deployed on EVM-compatible chains (networks that run Ethereum's smart-contract format), including the Milkomeda Djed Osiris dollar (MOD) on a Cardano-paired sidechain2.
Key Features
- Drop-in payment widget for any website. Merchants embed a "Pay with StablePay" button on their site, and customers check out without leaving the page. The widget is a client-side JavaScript component that handles network selection, token choice, and transaction review in one flow1.
- Pay in crypto, receive a stablecoin. A customer can pay using a chain's native cryptocurrency and the merchant receives a Djed-based stablecoin instead. The conversion happens automatically by minting the stablecoin against the Djed contract, with no manual swap step1.
- No middleman, no custody. The widget talks directly to smart contracts on the blockchain. There is no payment processor holding funds, no chargeback rail, and no platform account to maintain1.
- Open source on GitHub. All code lives in a public GitHub repository, so merchants and developers can read it, fork it, or contribute. The widget and the underlying Djed software development kit are both in the same repo1.
- Merchant dashboard for received payments. A separate Stability Nexus app pulls payments that a merchant has received through StablePay directly from the blockchain, so merchants can see settlement history without trusting an external service2.
What to Expect
The public site at stablepay.stability.nexus presents as a landing page rather than a working product page. The navigation buttons are placeholders pointing to a single anchor, so most of what a visitor needs is a click or two away from the home page itself. The working code lives in the Djed Alliance GitHub repository, where the widget is split into a Djed software development kit (the part that talks to the stablecoin contracts) and the StablePay widget itself (the part the customer sees).
A merchant evaluating StablePay will typically read the GitHub README and look at the demo merchant website to understand what an integration looks like in practice. The Catalyst Fund 12 milestones (design, the Djed SDK, the widget frontend, the SDK and widget integration, and a merchant dashboard) are all marked complete, but the project does not publish a list of live commercial integrations, so production readiness is something to gauge from the code and recent commits2. No independent security audit of StablePay has been published; merchants planning to handle real funds should review the code and underlying Djed contracts before going live (see FAQ for the full posture).
For end customers, the experience is closer to a familiar checkout: pick the network, pick the token to pay in, review the transaction, and connect a wallet to sign. Because the widget runs client-side and settles on chain, every payment is a normal blockchain transaction with the usual network fees and confirmation times. There is no off-chain queue and no third party that can pause or reverse a payment.
