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Transfer Process

Every stablecoin transfer on PayWithZ automatically goes through compliance checks. This happens at the blockchain protocol level - it cannot be bypassed.

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Step-by-Step Flow

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1. User Initiates Transfer

User requests to send tokens: 
{
  "from": "7xKXtg2CW87d97TXJSDpbD5jBkheTqA83TZRuJosgAsU",
  "to": "9zLYuh3DX98e98UYJTSEcqE6kCifUqB94UaSvKptLhBvV",
  "amount": 100
}

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2. Backend Validates Request

  • Checks wallet balances
  • Validates request format
  • Prepares transaction

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3. Transfer Hook Triggered

This happens automatically - Solana calls the Compliance Hook program:

Automatic

No manual intervention needed. Solana handles it.

Cannot Bypass

Enforced at protocol level. Impossible to skip.

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4. Compliance Checks

The Compliance Hook program verifies:
Both sender and receiver must have valid, non-expired SBTs.
Neither wallet can be on the blacklist (checked via Merkle tree).
Transaction amount and frequency must be within limits.
Must pass all configured risk rules and policies.

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5. Transfer Decision

All Checks Pass ✓

Transfer executes successfully. Tokens move from sender to receiver.

Check Fails ✗

Transfer is blocked. Reason logged in database. User receives error.

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Visual Flow

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Gasless Experience

Users never need SOL. The platform authority wallet pays all transaction fees, providing a seamless user experience.

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API Example

curl -X POST http://api.paywithz.com/api/stablecoin/transfer \
  -H "Content-Type: application/json" \
  -d '{
    "from": "7xKXtg2CW87d97TXJSDpbD5jBkheTqA83TZRuJosgAsU",
    "to": "9zLYuh3DX98e98UYJTSEcqE6kCifUqB94UaSvKptLhBvV",
    "amount": 100
  }'

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Key Features

Automatic

No manual approval needed. Compliance is automatic.

Fast

Checks happen in milliseconds. No delays.

Transparent

All checks visible on-chain. Fully auditable.

Secure

Cannot be bypassed. Enforced by blockchain.

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Next Steps

KYC Flow

Understand the KYC process

Compliance

Learn about compliance enforcement