Klaro
Make stablecoin payments
boring.
The vendors we build for don't care about chains, oracles, or rollups. They care whether the money arrived. Klaro hides every piece of plumbing that doesn't matter and surfaces every piece that does.
Mission
Make every payment a vendor receives feel like they were paid by their best customer.
Fast. Verifiable. With a receipt that survives any audit. In the local currency they spend. Without ever asking them to learn what a chain ID is.
North star
One billion vendors paid faithfully.
The first emerging-market vendor invoicing graph on stablecoin rails — owned by the vendors, readable by every lender, denominated in USDC.
How we work
Six rules that govern every decision.
The full set of 21 product principles and 15 AI-discipline rules lives in our repo. Here are the six that shape the product most directly.
Money flows are state machines.
Every invoice, payment, cashout, and dispute has explicit states, retries, failures, and final outcomes. No undefined branches. No infinite loops.
No PII onchain.
Hashes, IDs, wallet addresses only. Raw evidence stays encrypted offchain. Privacy is a feature, not an afterthought.
Proof beats claims.
Every live action produces evidence: tx hash, signature, receipt, payout reference, audit-log entry. Simulated states remain explicitly labelled.
Admin is not the product.
Normal flows are automatic. Admin only handles risk, disputes, stuck states. If admin is needed for normal operation, the product is broken.
Test like money is real.
Foundry on contracts, Vitest on the API, Playwright on the UI. Coverage is reported honestly — no green-badge theatre.
Honest labels everywhere.
live testnet · simulated · access-gated · partner-pending · mainnet-only · unsupported. Every feature carries one tag. No overclaiming.
Stack
Built on Arc + Circle.
Arc Layer-1
USDC-native gas · sub-second finality · opt-in privacy · EVM-compat.
Circle CCTP V2
Planned cross-chain USDC route for live buyer payments.
Circle App Kit
Planned unified balance, bridge, and swap integration.
Circle Wallets
Target wallet integration with passkeys and non-custodial controls.
ERC-8004 / 8183
Agent identity + job-settlement escrow. The agent-economy spec.
Pyth + Permit2
Target FX oracle and approval primitives for live cashout.
Who we are
A small team, working in public.
Klaro is pre-incorporation. Real bios and office details will appear here once the legal entity is formed — until then we won’t invent them.
Get in touch