The architecture, in one paragraph
DOLLA settles all creator payments in USDC on Coinbase Base — an Ethereum Layer 2 launched by Coinbase in 2023 that inherits Ethereum's security but settles in roughly 2 seconds at fractions of a cent in network fees. The platform pays the gas fee on the user's behalf via paymaster contracts (gasless to both sender and recipient). For creator-fan transactions this means $1 paid by a fan = $1.00 USDC received by the creator in seconds. For business-scale recurring payments the same architecture applies — the only difference is volume.
Where this matters at enterprise scale
Three categories of enterprise payment programs run particularly poorly on traditional rails and cleanly on USDC + Base:
**1. Recurring small payments to thousands of creators or contractors.** ACH at $0.05-$0.50 per transaction × 10,000 monthly recurring payments = $500-$5,000/month of pure transaction-fee overhead. USDC on Base is essentially free per transaction.
**2. International payments.** Wire transfers cost $25-$50 per transaction, take 3-5 business days, and can fail for arcane compliance reasons. USDC on Base is dollar-denominated, settles in seconds, and reaches anyone with a wallet — no SWIFT involvement.
**3. Affiliate / influencer / micro-payment programs.** ACH minimums and wire fees make $5 affiliate payouts uneconomic. USDC on Base makes $0.01 payouts economic.
For programs whose costs are bottlenecked by transaction fees rather than the underlying payment amounts, the USDC rail is a step-function improvement.
What's actually built into DOLLA today
DOLLA today supports:
- Recurring $1/mo creator follows (the core product) - $1/wk creator follows (the Weekly Page tier) - Custom-amount one-time donations (Sovereign-tier feature) - Tier subscriptions ($4.99/mo Verified, $4.99/wk Sovereign)
All of these settle in USDC on Coinbase Base via the same architecture. The platform does NOT today expose:
- A public payments API for arbitrary B2B payment programs - White-labeled payment infrastructure - A merchant-of-record service for non-DOLLA transactions
Those are interesting future possibilities, not current products. If a company has a specific large-scale recurring-payment use case that maps to the existing architecture, that's a real conversation. If a company wants generic B2B payment-rail infrastructure, the right place is Stripe Connect or Coinbase Commerce directly.