Firearms, Ammunition & 2A
A payment rail that won't deboard you for being lawful.
FFLs, ammunition manufacturers, optics, suppressors, and 2A retail keep getting cut off by Stripe, PayPal, and Square, for selling fully legal products. Offbank settles in USDC, peer-to-peer, at 1%. No reputational risk reviews. No surprise reserves.
1%
Flat fee, vs 4–8% high-risk
0
Account freezes possible
<5s
Settlement finality
Why traditional rails fail you
Banks, processors, and money movers weren't built for the friction your category deals with daily.
Mainstream processors deboard 2A
PayPal, Stripe, Square, and Shopify Payments all explicitly prohibit firearms, ammunition, and even adjacent gear. One audit and you're frozen.
Banks pull operating accounts
Operation Choke Point lives on. Even with full ATF compliance, your bank can drop you with 30 days notice, and good luck reapplying.
High-risk processors gouge
The few processors that accept firearms charge 4–8% plus reserve withholding. Margin disappears.
B2B wholesale is paper cheques
Distributors pay manufacturers on net-60. Manufacturers float inventory and payroll until cheques arrive. Settlement should be instant.
How Offbank fixes it
Non-custodial USDC settlement on Solana. 1% flat. Cash out to USD via Sphere whenever you need it.
Non-custodial settlement
Offbank doesn't hold your money. There's no account for a processor to close. Peer-to-peer USDC on Solana, period.
1% flat, no reserve, no rolling hold
One percent on every settlement. No PCI fees, no monthly, no chargeback reserve, chargebacks don't exist on USDC rails.
FFL-aware compliance
KYB checks confirm business legitimacy. We don't do viewpoint reviews, only legal/regulatory ones. Lawful commerce settles.
Cash out to USD on your schedule
Sphere off-ramp pushes USDC to your bank via ACH or wire. 1–2 business days. You control timing.
Where operators use it
- FFL retailers settling B2B wholesale orders with manufacturers
- Ammunition manufacturers replacing distributor cheques
- Optics, accessories, and apparel brands deboarded by Stripe / PayPal
- Suppressor and Class-3 dealers needing reliable payment rails
- Range and training operators taking corporate / municipal bookings
- International parts and components suppliers paid in USDC
Built for regulated, scrutinised commerce.
KYB, OFAC screening, BSA/AML monitoring, and on-chain auditability on every settlement and every counterparty.
- KYB verification, confirm FFL status and business legitimacy
- OFAC and PEP screening on every counterparty
- BSA/AML monitoring with thresholds and SAR-ready audit logs
- On-chain receipts, immutable record of every settlement
- ITAR-aware: cross-border transfers flagged for review
- Non-custodial, no money transmission, no custody risk
Common questions
Are firearms payments on Offbank legal?
Yes, for fully legal commerce between licensed parties. Offbank settles peer-to-peer in USDC; we don't custody funds or transmit money. KYB verifies counterparties (including FFL status where relevant) and screens for sanctions before settlement.
Do you support consumer-facing FFL transfers?
Offbank is built for B2B settlement (wholesale, distributor, and manufacturer flows). For consumer DTC, you can issue payment links to verified buyers, but most operators use it for B2B where margins matter most.
What if a processor 'reviews' me later?
There's nothing to review. Offbank doesn't hold your funds, they settle directly to your wallet. There's no account to close, no reserve to seize, no rolling hold. That's the whole point of non-custodial settlement.
How does cash-out to USD work?
Sphere off-ramp converts USDC → USD and pushes via ACH (1–2 days), wire (same day), or SEPA (EU). You initiate when ready. No mandatory holds.
Get paid in seconds, even when banks won't.
Self-serve onboarding. KYB in minutes. 1% flat. No custody.
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