> ## Documentation Index
> Fetch the complete documentation index at: https://docs.stable.xyz/llms.txt
> Use this file to discover all available pages before exploring further.

# Payments & transfers

> How Stable supports P2P payments and merchant settlement with a single-asset model, zero-fee UX, and immediate finality.

P2P payments and merchant settlement built around one asset that moves the money and pays for the transaction.

## The problem

On general-purpose chains, users must hold a separate gas token (ETH, SOL) just to move stablecoins. That breaks the "send a dollar, receive a dollar" mental model and bleeds conversion at onboarding, where a payer who only has USDT can't even submit the transfer.

## How Stable addresses it

* **USDT0 is both the gas token and the payment asset.** A user only ever needs one asset to send or receive. See [USDT as gas](/en/explanation/usdt-as-gas-token).
* **Gas waiver lets applications cover gas on behalf of users**, enabling a zero-fee UX without the user touching a second token. See [Gas waiver](/en/explanation/gas-waiver).
* **Single-slot finality means settlement is immediate.** Once a transfer is in a block, it's final. See [Ethereum comparison](/en/explanation/ethereum-comparison).

## Next recommended

<CardGroup cols={2}>
  <Card title="USDT as gas" icon="fuel" href="/en/explanation/usdt-as-gas-token">
    Understand the asset that replaces ETH for gas and payment at once.
  </Card>

  <Card title="Gas waiver" icon="circle-off" href="/en/explanation/gas-waiver">
    See how applications cover user gas through governance-approved waiver addresses.
  </Card>

  <Card title="Ethereum comparison" icon="git-compare" href="/en/explanation/ethereum-comparison">
    Review what changes (finality, gas token, priority tips) when moving from Ethereum.
  </Card>
</CardGroup>