Notabene Flow - Stablecoin Payment Infrastructure

Notabene Flow is the first open stablecoin payments platform for businesses, built on the Transaction Authorization Protocol (TAP). It introduces new business payment capabilities that enable the growing network to tackle the B2B payment market.

Payment Capabilities

Pull Payments (Payins) - Merchant-initiated flows that allow businesses to send invoices and payment requests directly to customers without requiring wallet addresses in advance. This enables traditional invoicing workflows in the stablecoin ecosystem.

Push Payments (Payouts) - Streamlined sender-initiated transfers for disbursements, vendor payments, and traditional payout use cases with fast settlement.

Recurring Payments - Support for agentic, metered, embedded, and subscription services with automated billing cycles and proper authorization controls.

Technical Architecture

Flow is embedded stablecoin payment infrastructure for wallets, issuers, and fintechs. It adds Stripe-level invoicing, billing, and instant settlement capabilities integrated into existing stacks with protocol-based compliance and a shared revenue model. The platform uses agent-based messaging for transaction authorization and is built on an open-loop network, ensuring no partner lock-in.

Target Markets

Flow serves payment orchestrators and networks dealing with fragmented cross-border settlement, fintechs and PSPs serving enterprise clients wanting stablecoin payments, wallet providers and custodians looking to evolve into full payment service providers, and on/off ramps needing enterprise-grade stablecoin billing with compliance.

Network Benefits

Partners gain access to 2,000+ verified institutions on the Notabene Network, earn revenue on each transaction, and benefit from 95% straight-through processing with built-in Travel Rule compliance. The platform processes over $1 trillion in annual total payment volume with $600 billion from stablecoin transactions specifically.

Open Protocol Foundation

Flow is built on TAP (Transaction Authorization Protocol), an open protocol governed by community contribution. This enables interoperable, programmable financial workflows across wallets, issuers, and platforms without gatekeepers or vendor lock-in.