Ready-to-go-live stablecoin infrastructure
One operating stack for every stablecoin product you offer.
GSOS is the complete software a licensed business runs to offer financial products built on stablecoins: accounts, payments, trading, cards, lending, or its own digital currency. It is built as independent product engines on one immutable, double-entry ledger of record: switch on the engines you need, plug in the partners you choose, and keep the margin you set.
- Customer apps
- Mobile / web (UI kit)
- Web portal
- Self-service dashboard
- Chat (WhatsApp / Telegram)
- Notifications
- Agentic banking
- Orchestration
- Workflow automation
- Public APIs
- Webhooks
- APIs & SDKs
- WebSocket streaming
- AI ops co-pilot
- Admin console
- Ops tooling
- Reporting & dashboards
- Internal controls
- Support console
- Customer account creation
- Party ledger
- Wallet infrastructure
- Single-user access
- Customer account creation (multi-user)
- Party ledger
- Wallet infrastructure
- Third-party setups
- Reconciliation
- IAM: identity & access
- Multi-auth
- Authorization
- Maker-checker setup
- Audit trails
- SSO support
In plain terms
Stablecoins are digital money that moves on public networks, around the world. Licensed companies everywhere are building financial products on them. GSOS is the operating software they run to do it, the way a bank runs on a core banking system.
Why GSOS
Between an API toolkit and someone else's neobank.
Stablecoin infrastructure comes in two shapes today. API-first providers hand you primitives and leave your team to build the bank around them. Closed-loop platforms give you a finished product that carries their brand and owns your customers. GSOS is built for the operators in between: a full operating stack you run under your own brand, your own licence, and your own partner contracts.
Modular by design
Every engine and every capability is a module on one core. Turn on ramps now; add cards, lending or issuance later without rebuilding. The catalogue is not fixed either: because every engine shares the same primitives, a new product engine can be built on GSOS far faster than from scratch.
One core, provable by construction
One immutable, double-entry ledger of record sits under every engine, so a balance is real and provable rather than a number assembled after the fact. Reconciliation and a write-once audit trail are built in: evidence for regulators, partners and your board, drawn from one system.
Your economics
Provider cost plus gas is the floor. The markup you set stacks on top, and it is yours. GSOS takes no share of the transaction.
What operators run on GSOS
OTC desk, Remittance corridor, Stablecoin neobank, Corporate treasury, Branded stablecoin, Card program, Merchant payments, Lending desk, Wealth desk, Tokenization platform.
The stack, top to bottom
Each layer has one job.
Channels are how people and systems reach the engines. The engines are the products you sell. The immutable core holds every balance. Each layer rests on the one below it, and every path through the stack clears the same controls.
Channels
Engagement & orchestration
Customer apps on a brandable UI kit, a web portal and self-service dashboard, public APIs, SDKs, webhooks and streaming, and the consoles your teams work in: admin, ops, reporting, internal controls and support. Agentic banking and an AI ops co-pilot sit here too, governed like everything else.
Product engines
The composition layer
Independent engines, each composed on the core, with room for the next one. There is no separate money-movement layer underneath them: partners plug in as connectors inside the engines, behind one interface per capability. Switching a rail is configuration, not code, and the contracts and credentials stay with you.
Immutable core
Party ledger & wallet infrastructure
The system of record, shared across individual and institutional accounts: one append-only, double-entry ledger where balances are derived and provable, with account creation, identity and access, maker-checker and audit trails built in. Every engine reads and posts to this one core.
Seven capability families cover the partner surface. Use the integrated connectors or bring your own: one integration surface, your contracts, your credentials.
- Custody
- KYC / KYB
- Cards
- On/off ramps
- Issuance
- Compliance analytics
- Treasury
The engine catalogue
Switch on the products you sell.
Start with one product line. The ledger, compliance and reporting underneath are already shared, so the second product is configuration, not a second build. Twelve engines exist today, and the catalogue is open: your product can be the next engine, built on the same core.
- 01
On/Off Ramps
Fiat to stablecoin and back, as one order.
- 02
OTC / FX
A two-sided OTC and FX desk.
- 03
Cross-Border & Remittance
Corridors, FX and local payouts.
- 04
Payments
Collections, payouts and mandates.
- 05
Cards
Stablecoin-funded card programs.
- 06
Limits & Prefund
Enforced limits on live balances.
- 07
Reporting & Accounting
P&L, GL and your ERP, fed from one ledger.
- 08
Loans
A credit book in stablecoin.
- 09
Wealth
Client portfolios, orders and rebalancing.
- 10
Tokenization
Permissioned tokens for real-world assets.
- 11
Stablecoin Issuance
Your own stablecoin, backed and provable.
- 12
Compliance
Inline screening before money moves.
Every engine opens into a capability sheet: what it includes, what you configure, and how it composes on the one ledger.
Rate source · markup and spread (in bps, direction-aware) · fees and gas pass-through · limits and velocity (gated by KYC tier). All versioned and maker-checker gated.
Controls, enforced by the platform
A money system earns trust by what it refuses to do.
These controls are enforced by the platform, not left to operational discipline. One set applies on every path: app, API, console, or agent.
It does not move blocked money.
Compliance runs inline, before money moves. A block becomes ledger state, a freeze every engine honours: no partner connector is ever called for a blocked party.
It does not transact through a solvency gap.
The ledger, the partner rails and the chain are reconciled continuously, per asset. While a break is open, settlement halts. The safe default is to stop.
It does not let one person change the rules.
Every spread, fee, limit and approval flow is a policy version that passes maker-checker review before it takes effect. Every change is attributed.
It does not edit history.
The ledger is append-only: corrections are reversing entries, never edits. The audit trail is write-once.
It does not mint against unconfirmed reserve.
A mint is gated on backing that the books have recorded as received. Proof-of-reserve is computed from those same books, on your cadence.
It does not give agents a shortcut.
An agent proposes; the same inline compliance, limits and approvals decide. There is no separate path to the money.
You hold the licences and set the policy. The platform enforces that policy uniformly, checks solvency per asset continuously, and records what it did. The obligations stay yours while the controls run.
Your economics
Every transaction is priced in layers you control.
Provider cost plus on-chain gas is the floor, passed straight through. Your markup sits on top. The end-user pays the sum, each layer is named and recorded, and the margin is booked at settlement on the same ledger your reporting reads.
End-user price= the sum
Your markupyours, in bps you set
Provider cost + gasthe floor, passed through
GSOS is not a layer in that price. It is licensed software with ongoing support, and it does not take a share of the transaction.
Pricing is governed policy.
A re-price is a new policy version: it passes review before it takes effect, and it never reaches back to re-rate a trade in motion. Work in flight keeps the price it was quoted at.
Two ways to run it.
Hosted, where GSOS operates the stack and your business lines are isolated tenants. Or licensed operator, where you run identical software under your own licences, holding your own keys and partner credentials. You bring the licence and the partners; the software is identical either way.
Why now
The question moved from “should we?” to “how fast?”
The GENIUS Act, MiCA and Hong Kong's LEAP framework did not create the demand. They removed the excuse not to act. The operators who move now set the terms in their corridors.
$27.6T
in reported stablecoin transfer volume in 2024
$415B
in crypto received by Latin America in 2024, growing 42% year on year
$669B
annual remittance market, still paying 6.65% in average fees
Market figures: The Stablecoin Story by Sandy Peng (mid-2025 snapshot), citing Artemis (via McKinsey), Chainalysis, JPMorgan and Standard Chartered.
Built by CodeDecoders
Built by the team whose systems already move real money.
CodeDecoders is an engineering studio that designs, builds and operates stablecoin systems in production: settlement rails, trading operations, remittances and tokenization. GSOS is that experience, productized.
$100M+
settled across 100,000+ transactions
Cross-border stablecoin settlement network built for a regulated digital asset firm. Concept to production in three weeks; scaled through nine-figure volume without a rebuild.
$3.4B+
tracked across 20,000+ trades
System of record for a multi-billion-dollar OTC desk since 2024. The figure is volume recorded on its books, not volume processed.
$4M+
processed on merchant rails
Merchant checkout on stablecoin rails: hosted payment flows and payment links settling into each merchant’s preferred currency.
8 weeks
to a licensed tokenization platform
B2B real-world-asset tokenization delivered under El Salvador’s national CNAD licence, with audited contracts and institutional custody.
Everything above is running, with real volume behind it. Client names are available on request, under NDA. Figures describe those client systems, built and operated by CodeDecoders.
Where we work. Our client systems run in production across the USA and Latin America, including a nationally licensed tokenization platform in El Salvador. GSOS is built for licensed operators in the GCC, Europe, Latin America and India: CBB, VARA, ADGM, MiCA, or the regime you hold.
How GSOS is engineered. A double-entry, append-only ledger at the core, fail-closed compliance controls, exact integer money end to end, and an automated test suite guarding the platform invariants. More about the team at codedecoders.io.
A walkthrough beats a document.
Sixty minutes, on your use case: an OTC desk, a remittance corridor, a card program, or your own stablecoin. We walk the stack end to end and leave you with the executive brief.
Or write to info@codedecoders.io. The executive brief and reference documentation are available on request.