Briefly
- Stripe is working with crypto enterprise agency Paradigm to construct a brand new layer-1 community for funds and stablecoins.
- The community is in personal testnet, being constructed with design enter from international companies like OpenAI, Shopify, and Visa.
- Tempo will function low charges, a payments-first consumer expertise, and opt-in privateness options.
Stablecoins and fee use instances are exploding in reputation in crypto, drawing main institutional adoption whereas gaining a regulatory stamp of approval with the passing of the GENIUS Act in July 2025.
The full stablecoin market cap has grown to greater than $300 billion on-chain in response to information from DeFi Llama, and U.S. Treasury Secretary Scott Bessent has beforehand mentioned {that a} $2 trillion market cap is cheap for the asset class.
Now, funds large Stripe is collaborating with crypto enterprise agency Paradigm to construct a blockchain particularly targeted on stablecoins and their use in funds.
Right here’s what it’s worthwhile to know.
What’s Tempo?
Tempo is a brand new Ethereum Digital Machine-compatible, layer-1 blockchain developed by Paradigm and Stripe.
Not like different layer-1 networks like Ethereum and Solana which are constructed for all kinds of crypto exercise, Tempo is purposefully designed for stablecoins and funds, banking on the expertise Stripe has garnered from its 15 years within the subject.
Along with promised low charges, the blockchain will function at round 100,000 transactions per second (TPS) and include particular options designed to finest facilitate real-world fee use instances and assist deliver extra capital on-chain.
Tempo eases the trail to bringing real-world flows onchain, equivalent to:
• International payouts, payins, and payroll
• Embedded monetary accounts
• Quick and low cost remittances
• Tokenized deposits for twenty-four/7 settlement
• Microtransactions
• Agentic funds— Matt Huang (@matthuang) September 4, 2025
The agency raised a $500 million Collection A, valuing it round $5 billion, in response to an October report from Fortune.
Who’s constructing Tempo?
Tempo is being incubated by crypto enterprise agency Paradigm and international funds large Stripe, with early design enter from a few of the world’s largest corporations—like OpenAI, Shopify, Visa, and extra.
The blockchain is initially utilizing a set of impartial validators, some run by early design companions, previous to transitioning to an open and permissionless community that permits validation by any occasion.
Moreover, within the early phases of Tempo’s growth, it’s working with its design companions to check use instances on a non-public testnet associated to real-world funds and stablecoin use, together with cross-border funds, remittances, and extra.
In September, Tempo unveiled an inventory of infrastructure companions that can assist provide the constructing blocks of its community, together with crypto wallets Phantom and MetaMask for pockets providers, in addition to protocols like Throughout and LayerZero for blockchain interoperability.
Stripe-acquired stablecoin platform Bridge and pockets infrastructure agency Privy are additionally included within the checklist of infrastructure companions.
In October, the agency poached outstanding Ethereum developer Dankrad Feist to assist construct out its community.
What options does Tempo have?
Tempo’s payments-focused design ensures that it maintains a function set that’s completely different from different networks.
For instance, the community permits for batch transfers and its transactions could make use of memo fields. Plus, its reported speeds of greater than 100,000 TPS make it a lot quicker than different well-liked layer-1 networks like Ethereum and Solana, which at present preserve true TPS numbers round 21.8 and 1,344 in response to their respective block explorers.
As a result of Tempo is designed particularly for stablecoin use, it additionally comes outfitted with an automated-market maker (AMM) that permits customers to pay for fuel or transaction charges with any stablecoin on the community. In different phrases, a consumer may pay for his or her transactions on Tempo with Circle’s USDC or Tether’s USDT stablecoin.
Moreover, whereas blockchains are lauded for his or her transparency, Tempo boasts an opt-in privateness function that permits customers to maintain choose transaction information personal whereas nonetheless adhering to typical monetary compliance requirements.
The way forward for Tempo
Tempo is at present in personal testnet, working with international design companions to construct out present funds use instances in a interval of precedence entry. A few of its early design companions are additionally appearing because the community’s validators at current time.
Sooner or later, although, Tempo goals to be an open, permissionless blockchain, permitting any people to make use of, construct, and take part in community validation.
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