Merchant-facing section
Crypto Payments API
Accept crypto payments with a quote-first flow, asynchronous payment intents, signed webhooks, merchant settlements, and refund transfers. This checkout flow does not need early customer KYC; KYC becomes relevant later for regulated products such as stablecoin-powered cards. KYT still runs on transactions and wallets as part of risk monitoring.
Interactive flow lab
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High-level sequence
Crypto checkout, end to end
The whole flow at a glance — a quote, an on-chain pay-in, a risk check, then settlement.
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1
Merchant→Payments APIrequest
Request a quote for a $100 USDC checkout.
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2
Payments API⇢Merchantresponse
Locked quote + pay-in address with a short expiry.
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3
Customer→Blockchainon-chain
Sends USDC to the pay-in address.
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4
Blockchain→Payments APIevent
Deposit detected — awaiting the required confirmations.
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5
Payments API→Risk · KYTrequest
Screen the paying wallet, source of funds, and sanctions exposure.
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6
Risk · KYT⇢Payments APIresponse
Allow — or hold the payment for review.
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7
Payments API→Ledger · Treasuryrequest
On finality, post the receipt and settle the merchant.
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8
Payments API→Merchantwebhook
Signed webhook:
payment.settled.
Endpoint map
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Concept notes
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Reference snapshot