#Decal

My primary focus these days is Decal, my own startup! Decal is a Solana-based payments and loyalty platform for local merchants — replacing legacy credit card processing with stablecoin rails. That means instant settlement, fees closer to 1% (vs. the 2.5–3.5% merchants get squeezed by today), and no chargebacks.

The catch is that none of that should actually be visible to the people using it — merchants don't need to know what a blockchain is, and neither do their customers. The two pieces I'm most proud of so far are Smart Payments, which aggregates whatever stablecoins a customer has into one spendable balance (no thinking about which token to pay with, no wallet switching), and Stored Value, a modern loyalty program where prepaid balances earn yield that funds the rewards. Both are live, and we're shipping more on top of them constantly — you can see what's new on the changelog, or read longer-form launch posts on the blog.