TIP-20 is Tempo's token standard tailored for stablecoins and payment applications. It enhances the existing ERC-20 framework by adding features like transfer memos, compliance controls, and reward distribution. This standard aims to create a consistent and interoperable environment for stablecoins, allowing them to function seamlessly across different platforms. By working with partners such as AllUnity, Bridge, and LayerZero, Tempo is rolling out TIP-20 support to facilitate development. The standard supports various real-world payment scenarios. For instance, custom stablecoins can be issued to meet specific operational needs while maintaining compliance. TIP-20 tokens benefit from dedicated payment lanes that ensure high transaction throughput and predictable fees. Users can pay transaction fees with any USD-denominated TIP-20 stablecoin, with plans for broader currency support in the future. The tokens will also be tradable on Tempo's decentralized exchange, enabling stablecoin-to-stablecoin swaps and potentially on-chain foreign exchange. TIP-20 is not only for stablecoins but also accommodates other fungible assets like bridged BTC and ETH, maintaining operational controls and DEX integration. The standard is designed to streamline corporate treasury operations, facilitate cross-border payments, and allow for interest-bearing stablecoins. Issuers can enforce compliance and distribution rules directly at the token level, which simplifies processes like yield distribution and reconciliation. The architecture is built to save developers from reinventing core stablecoin logic, allowing them to leverage proven implementations for their needs.