beanie
A multichain, non-custodial, permissionless stablecoin payment gateway.
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About
A multichain, non-custodial, permissionless stablecoin payment gateway. A merchant registers ONE destination address and ONE blockchain network to get dedicated, merchant-bonded non-custodial receivers on all supported blockchains; deposits settle through these receivers without Beanie ever having custody of users' funds. Incentivized keepers consistently call sweep() on pending balances to earn 0.05% of volume MEV reward. All chains share one pattern: 1. A single factory deploys non-custodial receivers whose destinations are pinned to the merchant for good at deploy time. 2. Receiver addresses derived from the merchant address. Funds ALWAYS sweep to the merchant 3. Universal Beanie Webhook Registry, KV store for merchants' URL (as a 20-byte EVM address) 4. Optional Stealth Account: Provides protocol-agnostic privacy on Beanie using PassKey Stealth Account Abstraction
How it's made
At its core, Beanie is a private intent layer. It allows anyone to announce an intent and uses JIT deployment to trigger actions when onchain conditions are met; in this case, it settles transfers. The exposed single function of the receiver is basically a deterministic turnkey and would do exactly the actions embedded without accepting external parameters. Beanie is grounded in efficient stablecoin infrastructures. Near-zero overhead of compute, network, or storage beyond the call function used to dispatch the announce events for direct wallet transfers using Chainlink CRE. No external ACID storage beyond the contracts deployed onchain, enabling a network of API providers and Keepers to serve as a convenience layer over Beanie contracts, without a privileged party. Starting beanie_api brings up the convenience layer; including the API, the workers, and the customer/merchant-facing UI. Receiver initialization is bundled with the first sweep() following a deposit; subsequent sweeps are cleared as a single transaction, ensuring that spam is a losing game for spammers On EVM, automations are orchestrated from Chainlink's CRE to ensure fast onchain delivery of assets, and signed webhooks are optionally delivered. UI and server authentication are through passkeys, and neither merchants nor users need native gas to make payments or receive payments on Beanie. Beanie processes direct transfers and gasless payments. Beanie abstracts all its complexity behind a single link that renders a payment widget for end users. Developers, merchants, and ordinary users can use any chain from any wallet. Zero sign-up friction during onboarding, merchants authorize with their passkey. The same PassKey is essential for Stealth Account Abstraction on Beanie