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Money is moving onchain. Stablecoins now settle trillions of dollars a year, and payments-first networks like Tempo - the EVM chain incubated by Stripe and Paradigm - are being built specifically so banks, card networks, neobanks, and marketplaces can move regulated dollars with card-network throughput and sub-second, re-org-free finality. Moving the money is the easy part. The hard part is everything a finance organization needs around the money: seeing every settlement in real time, reconciling it against your books, controlling it when something looks wrong, and proving it to auditors and regulators - all with the reliability tradfi expects. That is what Goldsky does.

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The stack

A payments or tokenized-finance product needs three things from its data infrastructure: a real-time view of what happened, a reliable connection to the chain, and a durable way to act on it. Goldsky maps one product to each.
ProductRole in a payments stack
TurboReal-time data plane. Stream every settlement, mint, burn, and policy change into your own ledger, warehouse, or Kafka in seconds. Decode custom events (like TIP-20 memos) on the fly.
Edge RPCReliable connectivity. Cross-validated, low-latency reads and writes, so your apps and reconciliation jobs never run on stale, partial, or reorged data.
ComposeDurable execution. Move money, publish oracles, screen transactions, and trip circuit breakers - with retries, full tracing, and TEE attestations that prove your logic ran as written.
Subgraphs / MirrorIndexed history & replication. Customer-facing statements, transaction history, and full replication into Postgres, ClickHouse, or Snowflake.

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Why TIP-20 changes the reconciliation story

Traditional onchain transfers are anonymous value movements - great for settlement, useless for accounting. You see that 0xabc… paid 0xdef…, but not which invoice it settled. TIP-20, Tempo’s native token standard, fixes this at the protocol level. It extends ERC-20 with the primitives a finance team actually needs, and each one emits an onchain event that Goldsky indexes:
  • Transfer memos - a 32-byte reference (TransferWithMemo) carried on every payment. Put your invoice ID, order number, or PSP reference here and reconciliation becomes a join.
  • Compliance policies - whitelist/blacklist enforcement via the TIP-403 Policy Registry (TransferPolicyUpdate, TransferBlocked, BurnBlocked).
  • Issuance controls - mint, burn, supply caps, and pause (Mint, Burn, SupplyCapUpdate, PauseStateUpdate) for real-time supply and reserve monitoring.
  • Reward distribution - yield paid to holders (RewardDistributed) for accurate interest accrual.
These are ordinary Solidity events, so they land in Goldsky’s raw_logs datasets and can be decoded inside a Turbo or Mirror pipeline. Everything in these guides also works for standard ERC-20 stablecoins (USDC, USDT, PYUSD) on any supported chain - TIP-20 just gives you the memo and policy events for free.

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The rails are multiplying

Money is arriving on-chain on several rails at once, and each pursues a different thesis:
  • Tempo (Stripe + Paradigm) - a payments rail for stablecoins, with memos and compliance built into the TIP-20 token.
  • Circle Arc - an L1 for stablecoin finance: USDC-native gas, an on-chain FX engine, and CCTP moving USDC natively across 13+ chains.
  • Robinhood Chain - tokenized equities: thousands of stock and ETF tokens trading 24/7, built on the ERC-3643 securities standard.
Goldsky already indexes all of them - plus Plasma, Codex, Stable, Ethena, Plume, and Mantra. Pick any rail; the patterns below port across chains.

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Use cases

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Payments & stablecoins

Real-time reconciliation

Decode TransferWithMemo, stream it into your ledger, and match settlements to invoices on the memo in under five seconds.

Compliance & AML monitoring

Push a new OFAC address to a running pipeline in seconds, flag matching flows, and attest every decision in a TEE.

Proof-of-reserves & treasury

Track circulating supply and collateralization in real time, and alert the moment backing slips.

Cross-chain settlement (CCTP)

Match burn-and-mint USDC across every chain into one ledger, and catch in-flight transfers.

On-chain FX

Index Circle StableFX quotes and settlements for multi-currency analytics and a rate oracle.

Programmable payouts

Durable, gas-sponsored disbursements - payroll, marketplace payouts, remittance - with per-payment memos.

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Tokenized assets & markets

Tokenized equities & RWA

Holder registry, 24/7 price feeds, and automated dividends for tokenized stocks and RWAs.

Securities compliance & surveillance

Monitor ERC-3643 identity and freeze events, and surveil for wash trading and best execution.

NAV & reserve oracles

Publish a tokenized fund’s NAV to any chain on a schedule, with a Chainlink-compatible interface and a kill-switch.

Embedded wallet & app data

Sub-50ms reads for balances and history, plus indexed statements via Subgraphs and webhooks.

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Why Goldsky for regulated money

Finance and risk teams evaluate infrastructure differently than growth teams. Here is how Goldsky maps to that checklist.
A ledger is only as trustworthy as its inputs. Edge RPC cross-validates responses across multiple nodes, enforces complete block ranges, and never returns partial eth_getLogs results - so you never reconcile against a missing settlement. On Tempo, sub-second and re-org-free finality means a payment you record is final; it will not unwind under your books.
Compose traces every function call that touches an external system, with inputs and outputs saved, and can run in a Trusted Execution Environment that produces attestations proving the exact code ran with no side effects. When an examiner asks “how did you decide to freeze this account?”, you have the record.
Turbo and Mirror replicate into your database (Postgres, ClickHouse, Snowflake, Kafka), co-located with your customer and product data. That keeps regulated data inside your compliance boundary and makes GDPR/data-residency obligations tractable - the data never has to live behind someone else’s API.
Goldsky has no token. Your finance team never has to operate a trading desk to pay an infrastructure vendor or model volatile per-query costs. Edge RPC is a flat $5 per million requests; Turbo and Mirror bill on predictable resource sizing.
24/7 on-call support with engineers who help debug pipelines and resolve incidents - the operational posture a payments business needs.

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Get started

Real-time reconciliation guide

The flagship pattern - decode TIP-20 memos and match to your ledger.

Deploy your first Turbo pipeline

Stream token transfers into a database in minutes.
Can’t find what you’re looking for? Reach out to us at support@goldsky.com for help.