Symphony Stablecoin Flow

Customer
Submits Credit Card Payment
⬇️
Symphony API
fiat-to-stablecoin Conversion
⬇️
Symphony Mints Stablecoin
USDS on Blockchain
⬇️
Smart Contract Distributes Payments
Artist, Collaborators, Symphony Fee, Misc
⬇️
Use USDS in Symphony Marketplace, DeFi, or Bridge to fiat
⬇️
Off-Ramp
USDS ➔ fiat via Symphony API
Optional step for cashing out to fiat

Example: Symphony Credit Card Transaction Fee Breakdown

Scenario: Customer pays $10 via credit card on Symphony platform

Fee TypeWho ChargesAmount
Credit Card Merchant Fee (3%)Merchant$0.30
Symphony Platform Fee (5%)Symphony$0.50
Network / Blockchain Fees Protocol$0.01

💰 Net Received Before Optional Network Costs: $9.19

Symphony $100 Million Inflow Model

Scenario: $100M in credit card inflow, $30 avg transaction, $0.01 network fee per transaction

Fee TypeWho ChargesCalculationAmount (USD)
Credit Card MerchantMerchant3% of $100M$3,000,000
Symphony PlatformSymphony5% of $100M$5,000,000
Network / BlockchainProtocol$0.01 * 3.3m Tx$33,333
Total Deductions$8,033,333
Net Received$91,966,667

Fee Breakdown