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, without taking custody of anyone's keys. Every transfer follows the same pattern: the owner signs, 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 an intent, the member signs it in their own wallet, the XKOVA Relayer submits the signed instruction and pays gas, and XKOVA confirms the result on chain. This is what makes SPS non-custodial. 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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