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Provider of a clearing system for stablecoin transactions. This system allows users to deposit stablecoins from various issuers and currencies into existing bank and fintech accounts, receiving full value. It transforms stablecoins into digital cash equivalents, facilitating seamless redemption through regulated channels while maintaining decentralization and peer-to-peer payments across multiple blockchains. The system aligns incentives among issuers, users, financial institutions, and regulators to promote stablecoin adoption. It enables banks and fintechs to offer stablecoin services to their customers, provides stablecoin issuers with a new revenue stream, and allows businesses and users to seamlessly accept and redeem stablecoins. The system also facilitates peer-to-peer payments without intermediaries.