TIP-20: TEMPO'S PAYMENTS-FIRST TOKEN STANDARD

Summary from the TLDR Crypto newsletter

TIP-20 extends ERC-20 for real-world payments by adding transfer memos, an optional native currency identifier, reward-distribution hooks, policy registries (whitelists/blocklists), role-based controls, and operational functions like pause/unpause. It routes payment transactions into Tempo's reserved high-throughput payment lanes and lets USD-denominated TIP-20 stablecoins pay gas and trade natively on Tempo's DEX. This standard is aimed at stablecoin issuers and payment rails, promising easier reconciliation, onchain compliance, programmable yield distribution, and built-in support for use cases from corporate treasury and cross-border payments to wholesale settlement and onchain FX.