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Utexo is a Bitcoin-native execution and settlement layer that allows payment operators to process stablecoin payments with predictable costs, private execution, and Bitcoin-anchored settlement through a single low-friction API integration. It leverages Bitcoin’s finality, censorship resistance, and global liquidity as the security and settlement anchor of the system.

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The Problem with Existing Stablecoin Rails

Existing stablecoin payment infrastructure was built for public blockchains, not business operations:
  • Unpredictable fees - gas markets fluctuate with network demand, making unit economics unreliable for payment operators.
  • Public execution - every transaction is visible on-chain, exposing business-sensitive payment flows.
  • Fragmented settlement - routing, liquidity management, and asset validation are handled by separate systems, increasing integration complexity.
  • No Bitcoin finality - most stablecoin rails depend on smart contract platforms without Bitcoin’s proof-of-work security guarantees.
These constraints make stablecoin settlement operationally brittle for payment systems, exchanges, wallets and financial operators that need deterministic margins and compliance-friendly infrastructure.

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The Utexo Framework

Utexo redefines stablecoin settlement by combining four core design principles:
  • Published cost model - Utexo charges a published commission, quoted before you send, instead of running a gas auction. Each transfer still pays the network fee of the chain it settles on.
  • Client-side validation with on-chain anchoring - RGB keeps asset state with its owners. Bitcoin carries only a cryptographic commitment, which anchors each transfer for correctness and dispute resolution.
  • Bitcoin + RGB - stablecoins are issued and transferred on Bitcoin with the RGB protocol, and Bitcoin provides the trust anchor for the entire stack. RGB over Lightning is available on test networks; it is not enabled on mainnet.
  • Single integration - the Mint, Swap and SDK expose USDT on Bitcoin through REST APIs and client libraries, so applications don’t integrate each protocol separately.

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Getting Started

Understand why existing stablecoin rails fail for business settlement and what Utexo solves. Learn how Bitcoin, the Lightning Network, RGB, and Utexo fit together as a unified stack. Integrate Utexo and process your first stablecoin payment in minutes. Explore the SDK, Cloud Modules, Mint and Cross-chain Swap.

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Key Design Properties

Utexo’s own fees follow a published schedule. For the Mint, the commission at launch is 0.1% of the amount plus a 0.5 USDT base fee, and the API quotes the exact amount before you transfer. Network fees for the Bitcoin and EVM transactions are separate. RGB transfer details stay with the sender and the receiver. Only cryptographic commitments are published to Bitcoin, preserving the confidentiality of business payment flows. Utexo does not rely on a new consensus mechanism. It inherits Bitcoin’s finality and censorship resistance by anchoring settlement state to the Bitcoin blockchain. Applications integrate through REST APIs and SDKs. Utexo handles liquidity, asset validation and settlement coordination for the Mint and Swap, so application code needs little protocol-specific logic.

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Further Reading

  • The Problem - Why existing stablecoin rails fail for business settlement.
  • Architecture - How Bitcoin, the Lightning Network, RGB, and Utexo fit together.
  • Product Suite - SDK/API, Cloud Modules, Mint, and Cross-chain Swap.