Facto is a stablecoin payment infrastructure platform that enables users to spend directly from onchain, savings, and spending accounts without maintaining a separate prefunded balance. Its API provides payment providers with real-time authorization based on users’ available purchasing power, including funds held in yield-generating onchain vaults. Facto separates authorization from settlement, allowing transactions to be approved in milliseconds while settlement occurs asynchronously. This enables stablecoins and onchain assets to function more like everyday money across existing card and payment rails.