Stripe and Paradigm Launch the Tempo Platform for the Community: Stablecoin Enters a New Payment Era

As the demand for stablecoin payments surges, the Tempo blockchain officially opens its public testnet this week, allowing companies to start building instant payment applications today.

How It Works: Rounding Fees to the Tenth and Transaction Efficiency

Tempo blockchain has been fundamentally designed to prioritize payment speed and cost stability. Instead of traditional transaction mechanisms prone to congestion, this network uses a split-processing architecture, separating payment transactions from the main network.

In particular, Tempo applies a model of rounding fees to the tenth cent for each transaction — a small figure compared to traditional card systems requiring 1-3% plus fixed fees. This model creates predictable costs and opens up possibilities for microtransaction testing, especially attractive to fintech companies and AI applications.

Major Partners Participating in Testing

The list of organizations agreeing to test Tempo is quite impressive. Major banks like UBS, Deutsche Bank, and Cross River Bank have joined the trial program. Additionally, tech giants such as OpenAI, Anthropic, Kalshi (market prediction), along with payment companies like Coastal Bank, Klarna, Brex, Payoneer, see the platform’s potential.

Partners include leading e-commerce brands like DoorDash, Shopify, Coupang, and financial service companies such as Revolut, Standard Chartered, Visa, Mastercard. The list continues to grow, with new companies like Ramp, Persona, and Figure joining after the initial announcement.

Support for a Wide Range of Stablecoins

Tempo accepts any stablecoin valued in dollars for paying transaction fees, including USDT and USDC — the two largest stablecoins currently in circulation. This flexibility allows developers to easily integrate the technology without being tied to a specific stablecoin.

Driven by New Legal Frameworks

Tempo’s development occurs amid increased participation of US financial institutions in the crypto space. Part of this trend is driven by the GENIUS ACT law signed by President Donald Trump in July 2025, creating a clear legal framework for businesses operating in this domain.

Matt Huang, managing partner at Paradigm — the leading company developing the project — affirmed to the media that their team will focus on real-world use cases for stablecoin, rather than just theory.

Opportunities for Developers

Starting today, any company can begin building and testing applications on the Tempo blockchain. The platform is designed to provide a native experience for stablecoins — meaning no need for complex intermediary tools.

Brian Hamilton, Chairman of Coastal Bank, shared that working with Tempo allows his organization to co-create the next generation of financial infrastructure, unlocking new possibilities not only in speed and efficiency but also for the entire ecosystem of fintech partners and embedded financial services.

With Tempo’s testnet officially live, the practical testing phase of this blockchain payment technology begins, opening a new chapter for stablecoin applications in modern finance.