The problem Fracted solves

Stablecoin payment rails are fragmented. Merchants accepting Base-USDC miss the vast majority of on-chain demand because USDT on Arbitrum & USDC on Optimism, don't flow natively between chains.​​

Businesses face three critical barriers: incompatible stablecoin types, siloed blockchain networks, and the confusing requirement to hold native gas tokens just to complete transactions. This creates failed cross-border payments, particularly painful for Web3 merchants, freelancers, and SMBs processing international transactions.

Traditional cross-chain solutions route through DEXs, forcing users to set 5% slippage tolerance to guarantee execution, potentially losing significant value per transaction.​

We solved this by fronting liquidity directly on destination chain smart contracts. When a user initiates a swap on Base, we only send a message via LayerZero to Optimism, no tokens are bridged. The destination smart contract, holding pre-funded liquidity pools, immediately sends the required stablecoin to the recipient.

Challenges I ran into

At first, we tried integrating Stargate Finance as our cross-chain liquidity layer, adding a small fee on top of their bridge transfers. The idea was simple: handle token transfers between chains while offering a smooth API for B2B clients.

The developer support from Stargate Finance was painfully slow (responses took a week), which stalled our progress. Worse, since we relied on third-party bridge liquidity, we couldn’t guarantee transaction reliability or control the user experience.

So, we pivoted to Uniswap V3, building our own swap logic for stablecoin conversions. This gave us more control but introduced a new problem: slippage. To ensure transactions went through, we had to allow up to 5% slippage, which could mean losing $500 on a $10,000 transfer. That’s obviously not okay for business payments.

Then came the deeper infrastructure challenge, connecting EVM environments like Base with Solana. The tooling and SDK versions between the two ecosystems don’t play well together, breaking compatibility at multiple layers. To solve this, we’re now exploring a proxy-based approach to relay messages from Base to Solana, allowing smoother interoperability without depending on mismatched toolchains.

In the end, we realized DEX-based routing just doesn’t work for enterprise payments, companies need stable, fixed rates, not prices that swing with market conditions.

Link to the GitHub Repo of your project

https://github.com/goheesheng/fracted

Live URL of your project

https://demo.fracted.xyz/

What is your product’s unique value proposition?

Our product delivers guaranteed, fixed-rate cross-chain payments, something traditional DEX or bridge-based systems can’t offer. Instead of relying on volatile on-chain swaps or third-party bridge liquidity, we front liquidity ourselves and handle settlement behind the scenes. We will be a stablecoin Omnichain layer.
**
This approach gives businesses what they actually need:**

1. Predictable conversions with no slippage or hidden fees

2. Instant settlement across chains

3. Enterprise-grade reliability rather than market-dependent execution

Who is your target customer?

Our target customers are B2B clients such as exchanges, wallet providers, infrastructure platforms, and cross-border payment companies. These businesses regularly face friction when moving stablecoins across different chains, liquidity fragmentation, slippage, and settlement delays make smooth payments difficult.

Through early conversations and testing with existing partners in our network, we’ve confirmed that this is a real and persistent pain point that current solutions have not solved. These clients are actively looking for a reliable, fixed-rate cross-chain payment API, validating that we’re building for the right audience.

Who are your closest competitors and how are you different?

Closest Competitor: Tazapay

While Tazapay focuses on fiat on/off-ramp and compliance-heavy cross-border payments, Fracted is building for the onchain B2B ecosystem, exchanges, wallets, and payment platforms that already operate with stablecoins.

Our differentiation lies in:

Liquidity Fronting Model: We guarantee fixed-rate conversions and instant settlements without relying on DEX slippage or third-party bridges.

API-First Approach: Easy integration for developers, offering plug-and-play cross-chain stablecoin payments.

Web3-Native Focus: Built specifically for digital asset companies, not traditional payment processors.

What is your distribution strategy and why?

We’re starting with a partnership-driven and direct sales strategy, leveraging existing relationships built over the past five years with exchanges, wallets, and payment providers. These early adopters already trust our team and have directly expressed interest in our solution.

Once initial traction is established, we’ll expand through ecosystem integrations and community partnerships within Base and other L2 networks, allowing us to grow efficiently through B2B referrals and strategic alliances rather than mass retail acquisition.