Payments, processing and loyalty on distributed ledgers
Payment flows, settlement and rewards with a verifiable history, on a ledger chosen for the problem and not for the buzzword.
Payments, processing and loyalty programmes have the same core: a ledger with rules. Every movement of value is an entry, and the business, its customers, its processors and its auditors should all be able to agree on the balance.
We build that ledger and the flows around it: accepting and sending payments, routing between providers, settlement, fees, refunds, and rewards on top. Sometimes a distributed ledger is the right foundation: shared records between partners, value that moves between parties, payouts in digital assets. Often a signed, append-only database inside your own infrastructure is simpler, cheaper and easier to regulate. We say which one fits before we write code.
Custody is the hard part of anything that moves value. We design key storage and approval flows so that no single person or system can move funds alone, and we reconcile every movement against your processors, banks and trading or business records.
We have a crypto and fiat processing engine of our own to build from: a non-custodial service behind a signed REST interface. A merchant registers a public key, a callback address, settlement wallets and fees, and every request is verified against that key. Deposits and payouts pass through defined stages (initiated, pending, processed, settled, done), with a callback to the merchant on each completed payment. Payments can be tokenized on Stellar Soroban to track deposits, and the same approach extends to tokenizing real-world assets on Coreum. Accepting arbitrary on-chain assets is still in development.
Good fit if you run payments, payouts or rewards on spreadsheets and scripts, you operate or integrate with a processor, or you want to move value in digital assets without taking on avoidable risk.