XKOVA SPS

XKOVA SPS, the Stablecoin Payment System, is the money movement product. It moves stablecoin value between members, into treasury, and out to the bank. XKOVA never receives or exports human MPC private-key material. Every transfer still requires the configured owner-address signature or Safe quorum before the XKOVA Relayer submits and the chain settles.

What SPS covers

Payments: direct sends between members and payment requests.
Escrow and Claims: hold funds until a recipient claims them.
Treasury: institution held funds in a multisig Safe, moved by an N of M signer quorum.
Transfers and Settlement: how a signed transfer reaches a confirmed on chain state.
Funding and Off-ramp: funding value in and cashing out to the bank.

One pattern underneath

A transfer is never a single write. The application creates and freezes an intent, the configured wallet produces the required signature, XKOVA verifies it, the XKOVA Relayer submits and pays gas, and XKOVA confirms the result on chain. Thirdweb MPC wallets and externally controlled wallets have different signing-session trust boundaries. See the Non-custodial Model for the mechanics.

For the exact operations, see the API Reference or try them live in the interactive reference. For a hands on path, follow the Quickstart.

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