TapRails is a B2B payment infrastructure layer that enables stablecoin tap-to-pay inside your existing product. We provide the APIs, SDKs, and settlement rails — you own the user experience.
Today, a user on Phantom can’t tap-to-pay a merchant on Coinbase. A customer on Trust Wallet can’t settle with a vendor on KAST. Every wallet is an island.
TapRails fixes this.
We are the interoperability layer for stablecoin tap-to-pay — the rails that sit between wallets, apps, and payment terminals so that any sender can pay any receiver, regardless of what wallet either party is using. One tap. Any wallet. Settled on-chain.
For fintechs, neobanks, and crypto wallets, TapRails is the infrastructure you embed to make this possible inside your product — without building settlement, NFC handling, or cross-wallet routing yourself.
The TapRails idea in one sentence: Pay from any wallet. Receive into any wallet. TapRails handles the bridge.
The interoperability problem
Without TapRails
A customer on Phantom wants to tap-to-pay at a merchant using Coinbase. The wallets don’t speak to each other. The payment fails. The merchant loses the sale.
With TapRails
The customer taps their phone. TapRails routes and settles the payment on Base — wallet-agnostic, near-instant. The merchant receives funds into their wallet of choice. Neither party notices the bridge.
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).Customer taps their phone
Your app, powered by the TapRails SDK, emulates an NFC card using our proprietary Application Identifier (
F0TAPRAIL). The customer taps their phone at the merchant’s NFC reader — regardless of which wallet the merchant uses.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.
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.
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:| Role | iOS | Android |
|---|---|---|
| Customer (reads NFC, pays) | ✅ iOS 13+ | ✅ Android 5.0+ |
| Merchant (emits NFC via HCE) | ❌ | ✅ Android 5.0+ |
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.