PearlChain Tech is a leading stablecoin development company in Hong Kong, offering full-stack solutions for fiat-collateralized, crypto-collateralized, and algorithmic stablecoins. Deeply aligned with the regulatory framework of the Hong Kong Monetary Authority (HKMA) and with its smart contracts audited by CertiK, the company has successfully delivered various stablecoin systems for cross-border trade, DeFi, and multinational enterprises, supporting multi-chain deployment and ecosystem integration.
As a leading blockchain technology and digital financial service provider in Asia, PearlChain Tech leverages the geographical advantages of Hong Kong as an international financial center and a decade of in-depth industry experience. We specialize in the development and issuance of compliant stablecoin systems, offering global institutions one-stop stablecoin solutions that are secure, efficient, and regulable, empowering enterprises to build trusted digital payment and value exchange networks.
PearlChain Tech provides full-lifecycle services covering stablecoin design, issuance, circulation, and regulatory compliance, with key modules including:
- Support for fiat-collateralized (e.g., USD, HKD, EUR), crypto-overcollateralized, and algorithmic stablecoin models;
- Develop smart contract management systems to enable on-chain custody, real-time auditing, and automatic liquidation of collateral assets;
- Offer multi-chain deployment solutions (Ethereum, Polygon, BNB Chain, etc.) to support transaction environments with low gas fees and high TPS.
- Deeply align with the stablecoin regulatory frameworks of the Hong Kong Monetary Authority (HKMA) and the Securities and Futures Commission (SFC), supporting Virtual Asset Service Provider (VASP) license applications and compliant architecture design;
- Integrate on-chain anti-money laundering (AML) systems (e.g., Elliptic, Chainalysis) to monitor transaction activities in real time and block suspicious operations;
- Provide cross-border compliance solutions to meet international regulatory requirements such as U.S. MSB (Money Services Business) licenses and EU MiCA (Markets in Crypto-Assets) regulations.
- Develop hybrid on-chain + off-chain custody solutions, supporting bank-level custody of fiat deposits and multi-signature cold wallet management of crypto assets;
- Build a dynamic collateral ratio adjustment mechanism to mitigate risks from black swan events and market volatility;
- Real-time acquisition of collateral asset prices via oracles (Chainlink), triggering automatic liquidation to ensure the system’s solvency.
- Develop API and SDK toolkits to enable stablecoins to be quickly integrated into scenarios such as e-commerce, gaming, and cross-border payments;
- Connect to major exchanges, wallets, and DeFi protocols (e.g., Uniswap, Aave) to enhance liquidity and application ecosystems;
- Provide fiat exchange channels (e.g., UnionPay, Visa, SWIFT) to enable two-way exchange between fiat currencies and stablecoins.
- Top-Tier Technical Team: Core members come from international Central Bank Digital Currency (CBDC) projects and leading financial institutions, with cross-disciplinary experience in financial system development and cryptography;
- High-Performance Architecture: The system supports 10,000+ transactions per second with latency below 100 milliseconds, compatible with enterprise-level high-concurrency scenarios;
- Security and Audit Assurance: Smart contracts undergo triple audits by CertiK and SlowMist, with a 100% vulnerability fix rate, and collateral assets are transparently verifiable;
- Ecosystem Integration Capability: Support for interconnection with the digital Hong Kong Dollar (e-HKD), digital Renminbi (e-CNY), and traditional payment systems.
- Issued a Hong Kong Dollar-pegged stablecoin (HKD₮) for a Southeast Asian cross-border trade enterprise, reducing foreign exchange loss costs by 40% and shortening settlement time from 3 days to 10 minutes;
- Connected to local Hong Kong banks and the SWIFT network to support 1:1 fiat redemption.
- Developed an algorithmic stablecoin system for a decentralized exchange, maintaining a collateral ratio of over 200% with a Total Value Locked (TVL) exceeding USD 500 million;
- Integrated yield aggregation protocols, allowing users to earn 6%-15% annualized returns through stablecoin staking.
- Assisted a multinational group in issuing an internal stablecoin for supply chain settlement and cross-border salary payments, saving over HKD 10 million in annual fees;
- Supported multi-level permission management and automatic audit report generation.
- Participated in the Hong Kong Monetary Authority’s digital Hong Kong Dollar (e-HKD) pilot project, providing underlying technical architecture design for stablecoins;
- Collaborated with a Middle Eastern sovereign fund to issue an oil-pegged stablecoin, promoting the digitalization of commodity trading.
- Cross-Chain Interoperability: Achieve lossless cross-chain transfer of stablecoins by 2025, supporting multi-chain ecosystems such as Ethereum, Cosmos, and Polkadot;
- AI Risk Control Upgrade: Introduce machine learning models to predict collateral asset volatility, increasing liquidation accuracy to 99.5%;
- CBDC Bridging: Develop interoperability protocols between central bank digital currencies and stablecoins to promote the integration of compliant digital financial infrastructure;
- Green Finance Application: Explore carbon credit-backed stablecoins to support carbon neutrality goals and the circulation of green assets.
With profound technical accumulation, rich practical experience, and outstanding compliance capabilities, PearlChain Tech has become the preferred partner for numerous enterprises and institutions in stablecoin development. We provide end-to-end services from economic model design, technical development, and regulatory filing to ecosystem operation, helping clients seize new opportunities in digital finance.
If you have needs for stablecoin development, compliance consulting, or technical cooperation, please contact our expert team to obtain solutions and case materials.
