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 five chains, all in USDC: Base, BNB Smart Chain, Solana, Ink, and Celo. One stablecoin across every network, so buyers and sellers never have to think about which chain's dollar they're holding. The same handle resolves on every chain.