Shivacha Hybrid Wallet
One wallet for local currency, dollars, stablecoins and tokens.
USD
1,240.00
USDC
860.50
EUR
310.20
Overview
A hybrid wallet platform where fiat balances are held with e-money or banking partners and digital assets with custodians — unified by one ledger, with instant conversion and multi-rail transfers.
The problem
Users and businesses juggle separate apps for fiat and digital assets, while operators struggle to reconcile balances and apply consistent compliance across rails.
The solution
Shivacha Hybrid Wallet brings both worlds into one experience and one ledger, with conversion, transfers across bank, card, P2P and on-chain rails, and consistent limits and screening.
Feature modules
What's inside
Unified balances
Fiat, stablecoins and tokens in one view.
Conversion
Instant swaps via liquidity partners.
Multi-rail transfers
Bank, card, P2P and on-chain.
Card spending
Spend any balance via issuing partners.
Limits & screening
Consistent controls across rails.
Tenant console
Configuration for multiple brands or markets.
Product preview
Designed for operators and end users.
- Fiat + digital asset wallet
- Unified double-entry ledger
- Cross-rail transfers
- Gas abstraction
- Multi-tenant configuration
- APIs and SDKs
- White-label apps
- Consistent compliance controls
- WalletSigns transaction
- Smart contractVault.deposit()
- BlockchainIncluded in block
- IndexerEvent → Postgres
- APIGraphQL · webhooks
- ApplicationBalance updated
#…4812
12 conf.
#…4813
11 conf.
#…4814
10 conf.
#…4815
pending
Decoded events
- Deposit(0x8f2…a91, 500)confirmed
- Transfer(0x1c7…4de → 0x9b0…77f)confirmed
- RoleGranted(PAUSER, multisig)timelock
RPC failover · 3 providers · reorg-safe indexing
Architecture
Built to integrate and extend.
Modular services behind stable APIs, deployed into your environment.
Specifications
Deployment, security and integration
Integrations
- E-money / banking partners
- Custodians & MPC providers
- Liquidity providers
- Ramps
- Card issuers
- Screening providers
Security
- Double-entry ledger with immutable journal
- Maker-checker controls for sensitive operations
- Encryption, tokenisation and secrets management
- Strong customer authentication and device binding
- Comprehensive audit trails
- Architecture aligned with PCI DSS where card data is involved
Deployment
- Your cloud account in your chosen region
- Dedicated single-tenant deployment
- Private cloud / on-premises Kubernetes
- Managed deployment with operational support
Customisation
- White-label mobile and web apps
- Product, fee and limit configuration
- Partner and provider adapters
- Custom workflows and back-office tools
- Reporting and data exports
Use cases
Who launches with it
- Consumer multi-asset walletEveryday money across rails.
- Business treasury walletFiat and stablecoin operating balances.
- Remittance walletReceive, hold and cash out.
- Wallet-as-a-serviceHybrid wallets for partner brands.
See it in action
Request a tailored demo for your use case.
Demos are tailored to your markets, partners and integration requirements.
Custom engineering
Extend it with our services
Hybrid Wallet Platform
White-label hybrid wallet infrastructure — fiat, stablecoins and tokens with APIs, SDKs and partner integrations.
Learn moreCrypto-Fiat Wallet
Wallets holding fiat and crypto together — balances, conversions, transfers and cards in one experience.
Learn moreFiat-Crypto Integration
Connect fiat accounts and payment rails with crypto wallets and stablecoins — conversions, transfers and unified balances.
Learn moreRelated products
Works well with
Shivacha Digital Wallet
Stored-value wallets with top-ups, P2P, payments and rewards.
Learn moreShivacha Crypto Wallet
Custodial or MPC wallets for fintech products and exchanges.
Learn moreShivacha Web3 Neobank
A neobank for fiat and digital assets — accounts, cards, swaps and transfers in one app.
Learn moreLearn more
Related thinking
Ledger-first architecture for a partner-bank neobank
How we structure a neobank so that balances always reconcile with the sponsor bank and partners can be added or replaced.
Learn moreStablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
Learn moreYour ledger is your product: designing money movement that always reconciles
Fintech products are judged on experience but survive on correctness. A double-entry ledger at the core is what makes balances provable.
Learn moreFAQ
Frequently asked questions
How are fiat and crypto reconciled?
Through a unified double-entry ledger reconciled daily against bank, custodian and on-chain records.
Can each market use different partners?
Yes, partners are configured per tenant or market.
Do users see blockchain details?
Only as much as your product design chooses; networks and gas can be abstracted.
Request a product demo.
See how Shivacha Hybrid Wallet fits your business, and how we would customise and deploy it.