The user experience of stablecoins on-chain has always been an issue.

The most obvious pain point is Gas fees. Users want to transfer hundreds of dollars worth of USDT but have to worry about transaction fees of tens of dollars. Another problem is the complexity of UI/UX—wallets, DEXs, payment protocols each operate independently, forcing users to switch between multiple systems every time.

One project is rethinking this problem from a different perspective. Instead of optimizing Gas, it’s better to make stablecoins directly a native payment infrastructure.

**How zero-fee transfers work**

The core idea of this solution is to maintain dedicated contracts at the protocol level. For stablecoin transfers (like USD₮), a built-in payment and payout mechanism is provided:

Dedicated contracts only handle transfer and transferFrom operations for stablecoins. They do not support arbitrary calldata calls, thus eliminating complex attack vectors from the source. Sponsorship eligibility is controlled through lightweight identity verification (similar to zkEmail) combined with rate limiting. Fees come from a pre-configured quota pool set by the Foundation.

What’s the result? Users can transfer at zero cost, project costs are manageable, and the system prevents spam transactions. This approach addresses practical issues better than simply optimizing Gas.

**Users only need stablecoins**

The second approach is Gas abstraction. The protocol offers a main program for ERC-20 Gas payments. Projects can register their own stablecoins or ecosystem tokens as Gas payment methods, eliminating the need for additional payment intermediaries or extra fees.

The key is that this solution has already been audited and can be directly used in production. Users can truly operate only with stablecoins, barely noticing the existence of native tokens. For ordinary users, this is the normal way to use the system.

**Privacy payments are in development**

Another feature under development is privacy transfers for stablecoins. It hides amounts, recipient addresses, and memo information, while maintaining full composability and the possibility of regulatory disclosure.

This design is voluntary and targeted at real financial scenarios—salary settlements, corporate fund flows, private clearing. It uses standard Solidity, without introducing custom opcodes or modifying the virtual machine. Once completed, it will be maintained by the protocol and seamlessly integrated with existing wallets and DApps, requiring no change in user habits.

**Payment infrastructure, not Gas optimization**

This is not just another Gas optimization scheme. It’s about transforming stablecoins into truly usable, scalable, and compliant-friendly payment infrastructure from a design perspective. Every aspect considers real-world use cases—from the convenience of zero-fee transfers, to invisible privacy protections for users, to cost control for project teams.

This is how stablecoins should be.