> For the complete documentation index, see [llms.txt](https://docs.rozo.ai/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.rozo.ai/start/readme.md).

# Welcome to ROZO

Our story begins in the summer of 2025, in a small boba shop in San Francisco that accepted USDC.

I scanned their QR code with my mobile USDC wallet, but my app showed error.

<figure><img src="https://2103448998-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FhuTMWMzO32xbGDjNWeOa%2Fuploads%2Fgit-blob-afc7b1b1ba26844c8690b2a20841408e7aa3cd13%2FScreenshot%202025-11-29%20at%205.27.36%E2%80%AFPM.png?alt=media" alt="" width="173"><figcaption></figcaption></figure>

It turned out the merchant only accept USDC on Base chain, while my wallets only support USDC on Stellar. USDC on Stellar is not the same as USDC on Base.

<figure><img src="https://2103448998-files.gitbook.io/~/files/v0/b/gitbook-x-prod.appspot.com/o/spaces%2FhuTMWMzO32xbGDjNWeOa%2Fuploads%2Fgit-blob-4e58941c8b4667851bcc4ba1b310ac54623d0e61%2FScreenshot%202025-11-29%20at%205.27.39%E2%80%AFPM.png?alt=media" alt="" width="375"><figcaption></figcaption></figure>

Stablecoins are the best form of money on the Internet, but the user experience is still stuck in the early days. USDC exists on 29 different blockchains, and that’s not even counting USDT.

To pay for a coffee, why do we need to understand 29 chains, different stablecoins, different bridges, different fees? That’s *not* how money should work.<br>

We’re building ROZO, the Visa for Stablecoins. We hide the complexity, and we are building the stablecoin abstrations. You only need to think in *intents.*

> “I want to pay $3.25 for boba with 10% tips.”
>
> “I want to buy $100 BTC.”
>
> “I want to earn 10% APY with a pool with $10M+ TVL.”
>
> “I want my AI agent to pay for this API call, per request, with no API key.”

That last one is [Agentic Payments with MPP Router](/products/agentic-payments-mpprouter.md): an agent holding Stellar USDC can call paid API services such as OpenAI, Anthropic, DeepSeek, Perplexity, Exa, Firecrawl and Tavily, and settle each request over a 402 challenge, with no subscription and no card on file.

> "I want to top up OpenRouter with the SOL I already have."

That one is [ROZO Checkout](/products/checkout.md): paste an OpenRouter or other Coinbase payment link, pay with BTC over Lightning, ETH, SOL, BNB, USDC or USDT, and ROZO settles the invoice in USDC on Base. Agents can pay with stablecoins or Lightning through the CLI, the MCP server or the Claude Code skill.

Welcome to ROZO.

Let's hide the wires and use a new way of transacting.

Building on ROZO? Start with [Choose Your Integration](/start/choose-your-integration.md).

## Secret scanning

Enable the local gitleaks pre-commit hook once per clone: `brew install gitleaks pre-commit && pre-commit install` (config in `.pre-commit-config.yaml`). CI also runs a report-only scan in `.github/workflows/secret-scan.yml`.