# Finné

> The recourse layer for stablecoin payments. Recourse for money that cannot be reversed.

Finné is a dispute-resolution and evidence layer for stablecoin payments. It sits beside the payment rail (never inside it), records why each payment happened before anything goes wrong, opens a fair dispute case both sides can see, gives a human reviewer the tooling to decide, and carries out corrections through existing rails — refunds, reserves, or escrow. The chain itself is never touched.

- Website: https://finne.com/
- Tagline: "No payment rails should be without recourse."
- Status: Private early access (2026), onboarding a small number of platforms that make recurring stablecoin payments to people.
- Founder / company year: 2025

## Problem

Stablecoins crossed from trading into payroll, marketplaces, creator payouts, contractor pay, and seller settlements. Annual stablecoin payment volume is $300B+ and rising. Yet the people paid in stablecoins have less protection than a Victorian cheque — payments are instant and final, there is no bank to call, and no chargeback to file when one goes wrong. Circle and Stripe are building refund plumbing for checkout; Finné is building the agentic evidence layer that sits above the rails.

## How it works — Proof, Case, Decision, Correction

1. Proof — Read-only payment receipts are recorded before disputes arise, capturing the human-readable reason a payment was made (who, what for, under what terms).
2. Case — When two sides disagree, Finné opens a structured dispute case both sides can inspect: shared evidence record, no hidden verdicts.
3. Decision — A human reviewer (the platform's own decision-maker) rules using Finné's tooling. There is never an AI judge.
4. Correction — The ruling is carried out through existing rails: future payments, reserves, or escrow. On-chain transactions are never reversed or modified.

Design constraint that defines the product: read-only by default. Finné never moves money. The chain is never touched.

## What Finné is not

- Not a custodian. Cannot move funds on its own.
- Not an on-chain arbitration protocol. Does not write to any blockchain.
- Not an automated AI judge. A human always decides.
- Not a replacement for the payment rail. It sits beside it.

## Who it's for

Platforms making recurring stablecoin payments to people — including:
- Creator payout platforms
- Contractor / freelancer payroll
- Marketplaces paying sellers
- Ride-share / gig platforms paying drivers
- Developer bounty and grant platforms
- Crypto-native payroll and treasury products

## Why now

Stablecoin payment volume has reached hundreds of billions annually with effectively zero recourse coverage for end recipients. As stablecoins become the default payout rail for global, programmable money, the absence of a dispute and evidence layer becomes the central trust gap blocking mainstream adoption by platforms and regulators.

## Key claims

- Annual stablecoin payment volume: $300B+ and rising.
- Current recourse coverage for people paid in stablecoins: effectively zero.
- Chain state is never modified by Finné — read-only by design.
- Human decision-maker is always in the loop.

## Contact

- Early access: https://finne.com/#access
- Email: hello@finne.com

## Links

- [Homepage](https://finne.com/)
- [How it works](https://finne.com/#product)
- [Why now](https://finne.com/#why)
- [Get early access](https://finne.com/#access)
- [Sitemap](https://finne.com/sitemap.xml)
- [Robots](https://finne.com/robots.txt)