TapRails enables contactless stablecoin payments inside your existing app. We supply the mobile SDKs, NFC protocols, and automated settlement engine so you can offer tap-to-pay without managing complex payment rails.
Without TapRails, wallets don’t talk to each other — a customer on Phantom can’t spend their stablecoins physically at a vendor/merchant on Coinbase. TapRails makes tap-to-pay wallet-agnostic.
One tap. Any wallet. Instant settlement on-chain.
The TapRails idea in one sentence: Turn stablecoin balances into real-world purchasing power with a single tap — across wallets, across borders.
The interoperability problem
Without TapRails
Different wallets can’t communicate at point of sale. Payments drop, checkout stalls, and merchants lose sales.
With TapRails
Universal NFC bridge. Any payer wallet taps to pay any merchant wallet in seconds with near-zero gas on-chain.
Who TapRails is for
TapRails is a B2B infrastructure product. We don’t serve merchants or consumers directly — we power the products that do.Fintechs
Embed wallet-agnostic stablecoin NFC payments into your app without building cross-wallet settlement from scratch.
Neobanks
Offer your users a modern, borderless payment rail that settles in stablecoins on Base.
Crypto Wallets
Let your users spend their stablecoin balance in the real world with a single tap.
How it works
TapRails uses Host Card Emulation (HCE) to turn a customer’s Android phone into an NFC payment instrument. Our infrastructure handles cross-wallet routing and settles every transaction on Base (Coinbase’s L2) (We are chain agnostic, but Base is the available chain for now).1
Customer taps their phone
Your app, powered by the TapRails SDK, emulates an NFC card using a unique partner AID (typically starting with
F0). The customer taps their phone at the merchant’s NFC reader — regardless of which wallet the merchant uses.2
TapRails bridges the wallets
TapRails routes the payment between sender and receiver wallets, abstracting away wallet-specific protocols. Phantom to Coinbase. Trust Wallet to KAST. Gnosis Pay to Revolut. It doesn’t matter.
3
Settlement on Base
The transaction settles on Base using our pre-funded pool model or our session key model — near-instant, low-cost, and fully on-chain. Both parties settle in their stablecoin of choice.
What you can build
Cross-wallet tap-to-pay
Let your users pay any merchant, on any wallet, with a single tap.
Merchant acceptance
Turn any Android phone into a stablecoin POS terminal that accepts payments from any wallet.
Cross-border spend
Enable stablecoin payroll recipients to spend locally at point of sale — across wallets, across borders.
Wallet-native interoperability
Embed cross-wallet NFC payments directly inside your crypto wallet without redirecting users.
Key Features
NFC Tap-to-Pay
Full HCE (Host Card Emulation) for merchant devices and NFC reading for customer devices.
Two Payment Modes
POOL (custodial, your company wallet) or SESSION_KEY (non-custodial, user’s own wallet).
Built-in UI
Complete payment flow screens with TapRails branding, 60fps animations, and full accessibility support.
Secure by Default
ECDSA-signed NFC invoices, replay-attack protection, device Keychain key storage.
Zero-App Fallback
Dual-path NFC flow: integrated apps use primary HCE, while others fall back to a secure web payment experience.
SDKs
React Native
Available Now (
@taprails/tap-to-pay)Flutter
Coming Soon
Android (Java/Kotlin)
Coming Soon
iOS (Swift)
Coming Soon
Platform Support
Regardless of the framework used, the following device capabilities are required:Next Steps
Get Started
Get your API keys and make your first cross-wallet payment in under 15 minutes.
Installation
Full setup guide for iOS and Android.