Building Beanstick: Autonomous Fiat-to-Crypto Settlement on Solana with Anchor PDAs & zkTLS

Moving value between traditional banking (Web2) and decentralized finance (Web3) has long been one of crypto's biggest bottlenecks. Traditional centralized onramps impose 3% to 8% fees, hold customer funds for days, and require users to trust custodial intermediaries.

For the MLH Solana Hackathon 2026 , we built Beanstick (BeanSol) : an autonomous, non-custodial fiat-to-crypto settlement network designed specifically around Solana's high-speed architecture, sub-second finality, and negligible fees.

Here is an architectural walkthrough of how we engineered Beanstick using Rust , Anchor 0.30.1 , autonomous AI LP agents , and zkTLS proofs .

⚡ Why Solana?

On EVM chains, high gas spikes and multi-block confirmation delays make real-time payment settlement impractical.…