The Unaffiliated Payment Network.
Transparent fees. Richer data. Real-time stablecoin settlement. Howlite replaces legacy card network overhead with a direct, data-first alternative built for modern commerce — and it works with your existing bank-issued cards.
Bypass legacy network interchange with direct merchant-to-issuer clearing. Howlite's unaffiliated model eliminates the markup traditional card networks embed in every transaction.
Every transaction carries structured Level III data, FHIR-compatible healthcare fields, and full audit trails — so you know exactly what every dollar represents.
Merchants receive USDC directly to their EVM wallet at transaction time. No T+2 float, no wire fees. Settlement that moves at the speed of the network.
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Join the network built for transparency, efficiency, and the next generation of payments.