Payments

Idea 05

Recurring USDC Subscriptions

Pay for newsletters, SaaS, and memberships in USDC, with no custodian.

Category
Subscriptions
Theme
Payments
  • Soroban
  • SEP-41
  • USDC
  • Keeper

01Goal

Let users pay for newsletters, SaaS, DAO memberships, and signal services in USDC straight from their wallet, with no custodian.

02Description

A non-custodial subscription protocol. A subscriber authorizes a capped, expiring allowance to a plan, a keeper charges each billing period, and the subscriber can cancel any time.

03Key features

  • 01Plan registry with price, period, and merchant.
  • 02Subscribe with a capped, expiring token allowance.
  • 03charge() callable once per period by anyone.
  • 04Cancel or pause at any time.
  • 05Merchant dashboard of active subscribers.

04Technical direction

Rust contract using SEP-41 approve and transfer_from, with period checks against the ledger timestamp. Soroban has no native cron, so run a keeper or relayer. Frontend with Freighter or Stellar Wallets Kit.

05Stellar alignment

Turns USDC on Stellar into a recurring-revenue rail, not just a one-off payment rail.

06Use cases

  • Newsletters
  • SaaS tools
  • DAO memberships
  • Trading-signal platforms

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