The first open stablecoin payments platform for businesses

Notabene Flow is an open payments network for stablecoin business payments. It unlocks the B2B payments market for stablecoins by delivering the missing context, authorization and trust layers that enable pull payments, stablecoin-native invoicing, and recurring revenue models previously impossible in crypto.

An Initiating Agent creates a payment link by uploading an invoice, or manually providing payment details, and sends it to the payer. After the payer reviews and initiates the payment from their wallet and asset of choice, the payer's Responding Agent authorizes the payment over the secure Notabene Flow network. Once authorized, Travel Rule compliance is verified pre-transaction and funds are settled on the recipient’s chain and asset of choice. Both parties hold the same invoice details and payment context before any money moves, allowing for instantaneous and agentic post-settlement reconciliation to both parties’ AP/AR systems without additional manual overhead.

A Notabene Flow payment link is how a merchant or business initiates a payment request. The Initiating Agent generates a link tied to a specific invoice, including the amount, currency, and payment terms. The payer opens it, connects their wallet or account, and authorizes the payment through their institution's normal flow. No wallet addresses need to be exchanged in advance. Behind the scenes, the Transaction Authorization Protocol (TAP) handles counterparty authorization, compliance checks, and settlement coordination before any funds move.

The Initiating Agent issues the invoice — typically a PSP or platform collecting payment on a merchant's behalf. The Responding Agent holds the payer's funds and settles it. A single company can play both roles depending on the transaction direction.

Every Notabene Flow payment carries a network fee paid by the initiating party. That fee is split between the Responding Agent — the institution that receives and settles the payment — and any Infrastructure Providers, like custody or wallet platforms, that execute the on-chain settlement leg. For participating institutions, that's what makes Notabene Flow different from typical compliance tooling: it turns compliant transaction operations into a revenue driver rather than a cost center.

A standard stablecoin transfer is just an asset moving between wallet addresses — a hash on one end, a hash on the other, with no surrounding context. There's no invoice, no confirmation of terms, and no way to know if the amount is correct or who sent it without manual reconciliation after the fact. A Notabene Flow payment works differently: both parties agree on the amount, asset, and payment terms before anything moves, compliance is verified in the same step, and the settled transaction arrives pre-reconciled.

Yes — Travel Rule compliance is part of the protocol, not an add-on. Counterparty verification and Travel Rule data exchange happen before settlement on every transaction. Companies needing standalone Travel Rule compliance for non-Flow transfers can use Notabene Transact.

Notabene Flow launched with Founding Partners including Dfns, Zodia, Yellowcard, Gnosis, Bitso, Monerium, Orbital, and more. In addition, Notabene's 270+ existing regulated customers — institutions already processing Travel Rule–compliant transactions through the Notabene network — are available as Responding Agents on the network from day one.

Notabene Flow is integrated via a single API. If you're already on Notabene Transact, the integration is largely already in place. To learn more, explore our developer documentation at https://devx.notabene.id/docs/introduction which covers both Initiating and Responding Agent implementations.