payments at checkout; and Pay by Stablecoin, powered by USDC on the Hedera Hashgraph distributed ledger, enabling programmable, blockchain-native payments for digital and physical commerce. By bringing both bank and stablecoin rails directly to the point of sale in-store, online, and web3, Dropp helps merchants reduce interchange and processing costs, achieve instant settlement, and offer customers a faster, more flexible checkout experience than traditional card networks provide. The platform is purpose-built for small-value and micropayment use cases, with native support for merchant offers, referral incentives, and loyalty mechanics. Dropp also offers white-label deployment for banks, POS providers, fintech partners, and financial institutions seeking to launch branded real-time payment products without building core infrastructure from scratch. Dropp is architected for the payments landscape ahead, including agentic commerce and machine-to-machine transactions, where speed, programmability, and cost efficiency at the transaction layer are foundational requirements.