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Platform & Technology


Despite the infinite possibilities of cryptocurrency, it has yet to gain mainstream popularity as a personal finance tool. The last barriers to mass market adoption will be removed when cryptocurrencies become embedded into everyday commerce. An estimated $22 trillion* of consumer spending takes place annually between shoppers and merchants. Local or national currencies are used to pay for everything from your daily cup of coffee to your weekly grocery run. What if you could pay for your cup of coffee with Bitcoin or Ether? The STK token, implemented through the STACK digital wallet, will allow users to transact instantly through the point of sale provider’s existing equipment, enabling ubiquitous merchant acceptance of cryptocurrencies.

* Source


STK will be a solution that will facilitate real-time cryptocurrency transactions at points of sale. Our vision is to create a globally accessible alternative to traditional banking, allowing you to store your money safely, access it instantly and transact with it anywhere, in any currency including crypto. By integrating the STK token into the STACK digital wallet, you can use any currency you like, at any point of sale, anywhere in the world.

STK Solution: Introducing the STK State Channel and STK token

There are two challenges preventing widespread adoption of cryptocurrency. Our team has developed solutions for both, removing the most common barriers facing cryptocurrency growth from both a user and merchant perspective.


A lack of merchant acceptance of cryptocurrency.

STK Solution:

STACK has partnered with existing payment networks that will allow the cryptocurrency wallet to be used at 39 million merchants worldwide.


Payments at point of sale must complete in near-instant time.

STK Solution:

Rather than writing each payment transaction to the blockchain, STACK, will create State Channels between the customer and STACK. These channels are an established way to provide real time transaction guarantees on the blockchain. Once this is done, customers transactions will be funded through STK’s liquidity pool to make point of sale purchases instantly.

To use this system, the user is required to hold a STK token which can be used to access the STK State Channel and will be limited to those who have STK tokens. STK is a solution that can be implemented globally, with the first implementation occurring in partnership with STACK.

For users of the STACK wallet to transact in real-time, the STK solution will be integrated into the STACK digital multi-currency wallet. This functionality can only be accessed with a STK token. The STK token will be used to pay for the operating cost of setting up the State Channel. Because STK tokens can change in value, the price per transaction is calculated similarly to how gas prices are on Ethereum.

How it works

For more on our plans to evolve the future of finance, read our whitepaper, or drop us a line. We’d love to hear from you.

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