Payment Rails of Tomorrow
As a first step in this partnership, Concordium's Browser Wallet now supports Ledger hardware wallets, enhancing security for stablecoins and Concordium’s native token, CCD. Ledger’s cold-wallet users can now, through their devices, securely stake, delegate, manage their account, as well as sign transactions on the Concordium blockchain.
Ledger ecosystem members will now have access to ten stablecoins deployed as Protocol-Level Tokens (PLTs). Because PLTs are built directly into Concordium’s core protocol — rather than deployed as smart contracts — they execute on the same layer as consensus and settlement.
This design eliminates the extra computational overhead and complex gas fees common in smart contract-based tokens. As a result, every PLT transaction benefits from native-level performance, enabling throughput of up to 2,000 transactions per second, 4-second finality, and low, predictable gas fees.
By handling transfers and compliance checks at the protocol level, Concordium maintains speed, stability, and scalability, even as usage grows — ensuring instant, auditable payments without sacrificing performance or privacy. All of this together makes Concordium a leading contender to be the blockchain of choice for payment rails and institutional adoption.
Taking Ledger to 1-Click Verify & Pay
The current Ledger-Concordium wallet integration is just the beginning. 1-Click Verify & Pay is the primary goal of this partnership, which will allow users to verify specific identity attributes like age or jurisdiction, and complete stablecoin payments in a single step, each transaction verified using zero-knowledge proof (ZKP) technology, and signed by Ledger’s hardware wallet.
As Concordium continues to roll out new features, including introducing transfer locks, additional disclosures, and escrow-like transactions, Ledger will get access to tools that can expand their range of payment solutions.
Combining that with Concordium ID, allowlists/denylists with detailed attributes like region or age can further strengthen the existing Ledger transaction ecosystem. On the user side, future Ledger wallet integrations will enable self-sovereign identity (SSI) through ZKPs, allowing users to verify just what is needed.
Building the Foundation for PayFi Adoption
Concordium's integration with Ledger marks a bold step forward for auditable blockchain payments. With hardware-level security now protecting verified transactions, the collaboration strengthens the foundation for institutional and retail adoption at scale and fuels a growing ecosystem of users, developers, and innovators.
This partnership places millions of users at the forefront of the PayFi revolution, enabling them to transact with speed, privacy, and security without compromise.
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