How AllScale delivers instant, cross-border stablecoin transactions across 1.5M users with Turnkey

Learn how this high-growth stablecoin neobank partnered with Turnkey to provide secure, self-custodial wallets that power seamless cross-border payments.

• 1.5M+ user wallets created
• $500K+ daily transaction volume
• 10X user growth since launch

“Our goal is to make blockchain complexities invisible to the end user. With Turnkey powering our wallet infrastructure, we can deliver that streamlined experience without sacrificing security or our non-custodial status.” — Khalil Lin, Co-founder at AllScale

About

AllScale is a self-custodial stablecoin neobank designed to facilitate global businesses, freelancers, creators, and AI agents send and receive global payments without relying on traditional banking infrastructure. Since its launch in May 2025, AllScale has raised a $5M seed round led by YZi Labs, Informed Ventures, and Generative Ventures, to redefine how global businesses and AI agents transact.

Challenge

Establishing streamlined and secure user flows that drive continuous adoption

When Khalil Lin co-founded AllScale in 2025, his goal was to make stablecoin payments accessible to people without access to reliable banking infrastructure.

Freelancers, creators, and small businesses in regions like Africa, Southeast Asia, and Latin America often want to send and receive payments in USD but face barriers to opening international bank accounts. Stablecoins offered a viable alternative, but blockchain complexities posed a significant hurdle to adoption.

Between downloading external wallet apps, managing private keys, understanding gas fees, and navigating cluttered interfaces, even straightforward transactions can feel daunting for non-crypto-savvy audiences.

To ensure AllScale’s immediate and continued success, Khalil needed a way to abstract these complexities so users could issue invoices, receive funds, and manage balances through an experience that felt as simple as a traditional fintech product.

Early in development, Khalil and his team explored building their own passkey-based authentication system to streamline wallet creation flows for new users. While their homegrown solution was technically capable, the team recognized that leveraging the established credibility and security backing of Turnkey offered a strategic advantage. Furthermore, with users accessing the neobank through a variety of devices and operating systems, partnering with Turnkey helped seamlessly navigate the significantly varied support for passkey authentication.

Khalil knew that building and maintaining wallet infrastructure internally would introduce significant security, compliance, and operational overhead in the long run. As such, he began searching for an established wallet provider that would help his team abstract the complexities of crypto from onboarding to transaction execution.

“The biggest hurdle was onboarding users who had never interacted with a crypto product before. Most people don’t want to manage wallets or think about private keys; they just want payments to work. We needed infrastructure that could hide that complexity.”

Solution

Turnkey’s flexible, secure, and non-custodial wallet infrastructure

AllScale partnered with Turnkey to power the underlying wallet infrastructure behind its non-custodial stablecoin neobank.

The integration process was straightforward and collaborative. After establishing a shared Slack workspace, implementation discussions and troubleshooting happened directly between the engineering teams. “Turnkey was extremely responsive, which helped us move quickly without adding unnecessary complexity to the development process,” Khalil shares.

Flexible authentication flows drive continuous adoption

With Turnkey, AllScale implemented multiple authentication flows, including passkeys, email, and Google sign-in. This flexibility was crucial for supporting users across different regions and device environments, where passkey compatibility varies by smartphone brand and operating system.

Now, rather than requiring users to download external apps or manage private keys manually, creating non-custodial embedded wallets is as simple as logging into a fintech app. On the backend, Turnkey stores every generated key within secure enclaves that isolate cryptographic operations from application code, protect user credentials, and solidify AllScale’s non-custodial status.

Simplified onchain actions eliminate web3 complexity

AllScale leveraged Turnkey to improve how its users process and manage daily transactions. Many users regularly send or receive multiple small payments throughout the day, such as issuing invoices or settling payments in online commerce. With Turnkey’s session-based signing, users execute multiple onchain actions without navigating endless pop-up windows, eliminating signing fatigue for high-volume businesses.

To preemptively defend against malicious actions, AllScale uses Turnkey’s policy engine to define transaction limits and time windows that allow frictionless payments while maintaining strong security. “Turnkey singlehandedly eliminated the need for users to sign for every transaction while keeping security intact,” Khalil shares. “It’s an absolute game-changer, especially for users new to crypto payments.”

Infrastructure that paves the way for product iteration

For Khalil, the greatest value-add of the partnership was the depth of Turnkey's infrastructure. The AllScale team further integrated with Turnkey via its claim links to support an onchain refund feature, enabling them to immediately implement payout capabilities without building everything from scratch.

“With Turnkey’s wallet infrastructure, we’re able to focus on developing our product while ensuring every user interaction is secure and reliable. For a lean and fast-moving team, having that foundation in place is invaluable.”

Results

Simplified user flows, continuous adoption, and infrastructure built for global scale

With Turnkey, AllScale supports millions of freelancers, creators, and small businesses with user flows that rival the simplicity and intuitiveness of a traditional fintech platform. Now, Khalil’s team spends far less time on infrastructure and more time expanding AllScale’s product surface.

• 1.5M+ user wallets created
• $500K+ daily transaction volume
• 10X user growth since launch

With his team’s engineering bandwidth reclaimed, Khalil has successfully expanded the AllScale platform by launching its Checkout functionality. This service is already integrated with Bravo Rewards, bringing seamless stablecoin dining to more than 450 restaurants across Vancouver. By ensuring checkout works seamlessly without requiring users or merchants to engage with the underlying technology, AllScale has successfully made the blockchain invisible. Khalil is confident that as AllScale continues to expand, Turnkey will remain the core differentiator in streamlining traditionally friction-heavy crypto flows.

“We’re just getting started. Our goal is to keep expanding the platform so users around the world can accept and move stablecoin payments as easily as traditional payments. Turnkey is what enables us to achieve this at scale.”

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