INTRODUCTION

What is Tab?

Tab is a non-custodial payment layer for stablecoins. It gives a seller a wallet, a handle, and a checkout — and gives a buyer a way to pay without holding a gas token. Nothing in the loop touches a custodian; the wallets are owned by the people who created them, and the contracts are immutable.

The shape of it

Three pieces fit together:

• An invisible wallet.Generated on the user's device when they claim a handle. Encrypted under a PIN. Never uploaded.
• Four on-chain routers. TabRoutermoves stablecoins on a buyer's signed authorization; TabBotRouter handles social-style P2P and grants where users pre-approve a spender; TabEscrowRouter holds funds for OpenTab claims; TabSubscriptionRouter drives recurring billing.
• A small REST API. Wraps the on-chain side with orders, invoices, payment links, and webhooks so a normal backend can integrate Tab in a few lines.

What Tab is not

Tab is not a multi-asset wallet, an exchange, a yield product, or a bridge. The goal is to move one specific kind of value — a stablecoin denominated in dollars — between two people, with a receipt at the end. Anything that doesn't serve that goal isn't in scope.

Where it runs

Tab settles on six chains, each paired with its native stablecoin: Base (USDC), BNB Smart Chain (USDT), Solana (USDC), Ink (USDT0), Celo (cUSD), and Tempo (αUSD). The same handle resolves on every chain — buyers and sellers don't need to think about which network they're using.