# Stabledrop — escrow payments with a dispute window

> Stablecoin payments that a human can dispute for a stated period. The money sits in a
> non-custodial escrow on Base, and a signed receipt attests to what happened. Built so that
> agents can pay on a person's behalf while the PERSON keeps the right to object.

Payments settle in USDC on Base (chain 8453). The escrow's address is a pure function of its
terms — token, buyer, seller, amount, maturity, tiebreaker and an id — so the terms *are* the
address. That is what lets a payer sign a destination before anything exists at it, and why no
credential is needed to use the service: a request whose terms derive anywhere else is refused.

## For agents

- [MCP endpoint](https://api.stabledrop.me/api/ap2/mcp): tools for working out where a payment
  must go, settling one, checking what happened and verifying a receipt. Streamable HTTP, no
  authentication. The server holds no key and cannot sign — it is handed a signature, or the
  funds are transferred to the address directly.
- [Server card](https://stabledrop.me/.well-known/mcp.json): endpoint, transports and
  capabilities, for automatic discovery.
- [API reference](https://api.stabledrop.me/api/ap2/settle/doc): the same operations over plain
  HTTP, with the OpenAPI spec at `/api/ap2/openapi.json`.

## What an agent should know before paying

- **Two ways to fund an escrow.** Transfer the tokens to the address from any wallet, or hand
  over the payer's signed EIP-3009 authorization and we relay it — in which case the payer
  needs no gas at all.
- **The seller does not receive the full amount.** The escrow factory charges
  `max(1% of amount, 0.30 of one token)` at creation. The receipt reports the payout and names
  the fee, and the two reconcile to the sum authorised.
- **Only one wallet can dispute.** Whoever is named as the nominal buyer, and nobody else —
  not the agent that paid, not whoever holds the receipt. For an agentic payment this should be
  the person, not the agent.
- **A maturity of 0 means no recourse at all**, deliberately and irreversibly. There is no
  default: the request must say which.

## Pages

- [How it works](https://stabledrop.me/how-it-works/): an escrow payment start to finish
- [FAQ](https://stabledrop.me/faq/): fees, disputes, timing
- [Dispute policy](https://stabledrop.me/dispute-policy/): how a dispute is decided, by
  whom, and on what evidence
- [Terms of service](https://stabledrop.me/terms-of-service/)
- [Privacy policy](https://stabledrop.me/privacy-policy/)
- [Plugins](https://stabledrop.me/plugins/): WordPress and Shopify integrations