01 / 05
The relationship
starts here.
The merchant joins your program and agrees refund terms before payment.
MerchantJoins Protocol
Your programEnrolled ✓
01 Identity02 Refund terms03 Enrolled funds
Payments settle.
Your protection still applies.
Extend buyer protection to stablecoin payments outside your checkout. Cleard makes the merchant's refund commitment enforceable after settlement.
Scroll to see how protection follows the payment
02 / Beyond checkout
Your protection. Open payments.
100 USDC · View refund rights
if policy valid → authorizeif edge case → manual reviewif funds short → obligation
x402MPPCircle
USDCUSDTPYUSDDAI
CheckoutProtection terms shown before the buyer or agent pays.
Protection termsCap, window, decider and enrolled funds, bound to the purchase.
Payment layerAny supported rail. Nothing routes through you or Cleard.
StablecoinsSettles to the merchant and stays final.
03 Familiar protection. Open-network payments.
Your program. Cleard enforces the agreed authority.
The relationship
02 / 05
Your program.
Your limits.
You set eligibility, exposure and reserves to match the merchant’s risk.
Trusted KYBVerified
✓Standing authority
Refunds from enrolled funds
Higher riskReserve-backed
Reserve / withholding
Refunds backed by reserves
03 / 05
The payment settles.
The rights stay.
The buyer pays the merchant through any wallet and stablecoin rail.
Buyer
100
Merchant100 USDC · Payment final
Purchase 1087Refund right attached ↗
04 / 05
A claim.
A clear decision.
The same authorization layer can also prevent avoidable payment errors before money moves.
cleard / protection
Claim receipt
Verification checklist
Purchase + evidence
Authority + limits
Beneficiary + funds
Edge case ↗ Manual review
05 / 05
A new transfer.
The promise stays.
Approved refunds use eligible enrolled funds. Any shortfall remains the merchant’s obligation.
Approved claim100 USDC
Merchant0Enrolled balance+40 incoming
Buyer100Refund received
100 paid0 still owed
- 01Enroll
- 02Set risk
- 03Pay
- 04Review
- 05Refund
04 The BLISK advantage
Complex approvals.
Simple verification.
Your approval structure becomes one key. Wallets and chains verify a single signature without rebuilding your approval logic or exposing who must sign.
Approval groups
- Merchant permissions
- Payment & refund approvals
- Claim decisions
- Reserve & recovery access
Compile policy
One verification key
One key.
One final signature.
We invented BLISK,
an original cryptographic primitive.
Read the BLISK paper ↗Boolean circuit Logic Integrated into the Single Key
Cryptology ePrint 2026/088 · Research preprint
Oleksandr Kurbatov · Yevhen Hrubiian · Illia Melnyk · Lasha Antadze
05 Escrow / Cleard
Escrow vs BLISK.
| Compare | Onchain escrowHold the funds. | Cleard · Powered by BLISKKeep the commitment. |
|---|
01 / First product
Start with refunds.
Make merchant refund commitments enforceable
after the payment settles.
02 / Beyond refunds
Extend to more
commercial promises.
Delivery guarantees. Milestones. Warranties.
Same enrollment.
03 / The ambition
The relationship layer
for open commerce.
Commercial history. Then, commercial credit.
Become a design partner.