Ashutosh Kumar Singh
Software Engineer at Skyhigh Security · Building Furlpay · NeurIPS 2026 author · Google DeepMind contributor · ex-Quantiphi
Ashutosh is a Software Engineer at Skyhigh Security (previously Quantiphi), working across ML systems and cloud infrastructure. He is a contributor to Google DeepMind and a NeurIPS 2026 author. He is building Furlpay: stablecoin payments, travel booking, and investing in one client — settled on Arbitrum. Pay in USDC, book 2.2M+ stays and flights, and let AI agents pay per-request via x402. Phishing-resistant. Compliance-aware. Zero gas.
16 articles
LEAP East 2026: Hong Kong Just Became the Test Bed for Stablecoin Settlement and Agent Payments
The Saudi-backed LEAP exhibition opened its first international edition in Hong Kong this week — and the agenda reads like a roadmap for regulated stablecoin money movement in APAC. Licensed issuers, Japan's newly approved JPYSC and RLUSD, and AI agents paying per request: here is what it means, and where Furlpay's rails fit.
July 8, 2026 · 7 min read
The Stablecoin Rail Question: UPI vs Solana vs Polygon — and Where Furlpay Settles
Every serious payments platform now has to pick a settlement layer. We compared UPI, Solana and Polygon on the metrics that actually matter for moving a stablecoin dollar across borders — cost, finality, liquidity and AI-agent readiness. The honest answer is not one rail, it is stablecoins on the right rail for each job.
July 7, 2026 · 11 min read
The Tokenized Economy Still Needs a Cash Register: Stablecoins as the RWA Settlement Layer
Roughly $27B of real-world assets are now on-chain and BlackRock's BUIDL alone passed $2.5B. But a tokenized Treasury or hotel share is only half a market — it still needs a payment rail. Here is where stablecoin settlement fits, and where Furlpay honestly does and does not play.
July 7, 2026 · 7 min read
Trip.com Now Takes Stablecoins — What It Signals for Travel Payments in 2026
Trip.com added USDT/USDC checkout in 2026, joining Travala, Wego and Meta's creator payouts in a broad shift to stablecoin money movement. Here is what changed, why it matters, and where Furlpay fits — USDC-native settlement, agentic booking, and a single-use Visa card for merchants that still take fiat only.
July 7, 2026 · 7 min read
The 2026 Card Fee Changes Hotels Should Watch — and the USDC Alternative
April 2026 brought a wave of card network fee changes — new Mastercard transaction fees, Visa's Level 2 sunset, and revised hotel interchange. Here is what actually changed, honestly, and how USDC at 0.5% compares.
July 6, 2026 · 6 min read
The GENIUS Act: What US Businesses Need to Know About Stablecoins in 2026
The GENIUS Act, signed in July 2025, is the first US federal law for payment stablecoins. It regulates issuers like Circle — not merchants — and gives businesses the legal clarity to accept USDC with confidence. Here is the plain-English version.
July 6, 2026 · 7 min read
FCA Crypto Regulations 2026: What UK Businesses Need to Know
The FCA published final crypto rules on 30 June 2026. The authorisation gateway opens 30 September 2026 and the regime becomes mandatory on 25 October 2027. Here is what UK businesses should understand — plainly.
July 6, 2026 · 7 min read
Crypto Payments for Hotels: The Complete 2026 Guide
International guests, high room rates, and card FX fees make hotels a natural fit for stablecoin payments. Palazzo Versace and Emirates already accept crypto. Here is how any hotel can, at 0.5% and zero chargebacks.
July 6, 2026 · 8 min read
Arbitrum vs Base for Payments: Which Layer 2 Should You Settle On?
Both are strong Ethereum Layer 2s with sub-cent fees. For stablecoin payments the deciding factors are settlement finality, ecosystem maturity, and where institutional volume already lives. Here is the honest comparison.
July 6, 2026 · 6 min read
USDC on Arbitrum: The Complete Guide for Businesses (2026)
USDC on Arbitrum One settles in about a second for a fraction of a cent of gas — the combination that makes 0.5% payment pricing viable. Here is how it works, why it matters, and how to accept it.
July 6, 2026 · 7 min read
How Do Crypto Payments Work? A Plain-English Guide for Businesses
No jargon: what actually happens when a customer pays a business in USDC, how settlement differs from cards, what a wallet and gas are, and why on-chain payments are final. A practical primer for merchants.
July 6, 2026 · 8 min read
USDC vs USDT for Payments: Which Stablecoin Should a Business Accept?
USDT is bigger; USDC is more transparent. For accepting payments, reserve quality, attestations, and regulatory posture matter more than market cap. Here is how the two compare where it counts for merchants.
July 6, 2026 · 6 min read
Crypto vs Card Fees: The Real Math on Every $100,000 in Sales
Credit cards take 2.9%-3.5% of every sale. USDC on Arbitrum takes 0.5%. On $100,000 in volume that is roughly a $3,000 difference. Here is the honest, line-by-line math — including the costs each side hides.
July 6, 2026 · 7 min read
Why We Built Furlpay Around Stablecoin Payments, AI Agents and Arbitrum
Merchant payment fees run 1.5-3.5% on card rails. Stablecoin payments on Arbitrum cost a fraction of that — and the industry's biggest players are moving the same direction. Here is the thesis behind Furlpay, what we have built so far, and where we fit in the payments landscape.
July 5, 2026 · 8 min read
Announcing Furlpay Connect: B2B Stablecoin Settlement
A single-integration gateway that slashes merchant settlement fees to a flat 0.5% and deposits local currency straight into your bank account.
July 1, 2026 · 4 min read
Agentic Commerce: Securing Autonomous AI Payments with x402
Furlpay now supports the x402 Machine Payments Protocol, letting users delegate spend-limited sub-wallets to autonomous AI agents.
June 20, 2026 · 5 min read