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Cross-network Settlement

Status: conceptual, last checked 2026-11-02. No cross-network route exists.

An invoice settles in a Cardano stablecoin, and the payer holds USDC on Base. The signed invoice is the same either way. The route is what changes.

The pattern

  1. The invoice states acceptable assets, networks and a deadline.
  2. Calvin finds candidate routes, such as a bridge, a solver or a provider. Each one is an external system with its own trust model.
  3. The quote shows every fee, the expected time and the required finality on both sides.
  4. The payer authorizes one quote.
  5. Evidence is collected from both networks before the invoice is marked settled.

What this does not give you

The protocol provides none of the following:

  • Atomicity. The source side can complete while the destination side fails.
  • Uniform finality. Networks reach finality differently, and “final” has to be stated per route.
  • Automatic refunds. Recovery depends on the provider and has to be named in the route.
  • One address everywhere. Each network has its own destination.

States a client should show

StateMeaning
Source sentPayer’s transaction is on the source network
In transitThe provider has it, and neither side is final
Destination receivedFunds arrived, and finality is pending
SettledThe route’s finality requirements are met on both sides
StuckPast the quoted time. Show who is responsible for recovery

Candidate transports are listed on the interoperability page.

Explore invoicing: Programmable Invoicing

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