Crypto-Fiat Wallet
Wallets holding fiat and crypto together — balances, conversions, transfers and cards in one experience.
- 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
Division
Service area
Hybrid Web2 + Web3 FinTech
Engagement
Project · Team · Managed
Overview
A crypto-fiat wallet gives users one place for money in any form: local currency, dollars, stablecoins and crypto. We build wallets where fiat balances are held with e-money or banking partners and digital assets with custodians, unified by our ledger — with instant conversion, transfers across rails and optional card spending.
Common use cases
- Consumer multi-asset walletFiat and crypto in one app.
- Business walletTreasury across fiat and stablecoins.
- Remittance walletReceive, hold and cash out.
- Gaming walletIn-game currency, fiat and tokens.
Quick answers
Crypto-Fiat Wallet at a glance
The essentials in brief. Every project is scoped individually — ask us for specifics.
- What is crypto-fiat wallet?
- Wallets holding fiat and crypto together — balances, conversions, transfers and cards in one experience.
- Who is it for?
- Typically neobanks, payment companies, lenders, wealth platforms and financial institutions building or modernising customer-facing and back-office systems.
- What does Shivacha provide?
- Unified balances
- Instant conversion
- Multi-rail transfers
- Card spending
- Security
- Compliance
- Which technologies are used?
- Double-Entry Ledgers, ISO 20022, Ethereum, ERC-20, MPC Cryptography, Apache Kafka — chosen to fit your stack and constraints.
- How does the process work?
- Map both sides → Design the unified ledger → Build the integration layer → Embed controls → Operate the bridge.
- What affects the cost?
- Banking, card, payment and KYC partners to integrate
- Ledger and reconciliation complexity
- Number of currencies, countries and payment rails
- Compliance, reporting and audit requirements
- Mobile, web and back-office scope
- Availability and disaster-recovery targets
- How long does it take?
- A regulated-market MVP usually takes 4–7 months including partner integrations; extensions to an existing platform can ship in weeks.
- How do I get started?
- Share a short brief in the form below, book a 30-minute call or message us on WhatsApp. A senior engineer replies within one business day; NDA on request.
Capabilities
What we deliver
Unified balances
Fiat and digital assets in one view.
Instant conversion
Swaps via liquidity partners.
Multi-rail transfers
Bank, card, P2P and on-chain.
Card spending
Spend from any balance via issuers.
Security
Biometrics, device binding and withdrawal controls.
Compliance
Tiered limits and screening.
Architecture
Engineered right from day one
The layers we typically design for hybrid Web2 + Web3 FinTech, adapted to your stack and partners.
- Single source of truthA unified ledger prevents fiat and crypto balances drifting apart.
- Conversion riskFX and crypto price exposure during settlement windows managed explicitly.
- Consistent complianceThe same customer identity and risk profile applied on both rails.
- Partner-led regulationFiat and digital asset regulated services provided by licensed partners.
Delivery
How an engagement runs
- 1
Map both sides
Fiat partners, digital asset partners, money flows and the conversion points between them.
- 2
Design the unified ledger
One source of truth across fiat accounts, wallets and tokenized positions.
- 3
Build the integration layer
Adapters for banks, processors, custodians, on/off-ramps and chains.
- 4
Embed controls
Identity, screening and risk checks applied consistently across both rails.
- 5
Operate the bridge
Treasury, liquidity, reconciliation and reporting across fiat and digital assets.
Security
Security built into delivery
Controls we apply by default on this kind of work — not a separate phase at the end.
Ledger integrity
Double-entry, immutable journals and daily reconciliation against partners.
Idempotent money movement
Every payment operation safe to retry, with no double-spend.
Access control
Maker-checker approvals, least privilege and full audit logging.
Data protection
Encryption in transit and at rest, tokenised card data and PCI-aware architecture.
Technology
Tools we use for this
Products
Start from a platform
Shivacha Hybrid Wallet
One wallet for local currency, dollars, stablecoins and tokens.
Learn moreShivacha Hybrid Payments
Accept cards, bank transfers and stablecoins. Settle in fiat or digital assets.
Learn moreShivacha Web3 Neobank
A neobank for fiat and digital assets — accounts, cards, swaps and transfers in one app.
Learn moreRelated services
Often combined with
Fiat-Crypto Integration
Connect fiat accounts and payment rails with crypto wallets and stablecoins — conversions, transfers and unified balances.
Learn moreBank-Blockchain Integration
Integrate core banking and payment systems with blockchain networks — tokenized deposits, settlement and asset services.
Learn morePayment-Blockchain Integration
Add blockchain and stablecoin rails to payment platforms — acceptance, settlement and payouts alongside cards and bank transfers.
Learn moreDedicated team
FinTech Engineering Team
Engineers experienced in ledgers, money movement and financial partner integrations.
Work & insights
Related thinking
Stablecoin settlement layer for a card-accepting payment platform
A hybrid design that lets merchants accept cards as usual while optionally settling in stablecoins.
Learn moreLedger-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 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
Where is fiat held?
With licensed e-money institutions or banks; digital assets with custodians. The wallet unifies the experience.
Can users send fiat to crypto addresses?
Transfers can be converted on the fly — for example, sending local currency that arrives as stablecoins — through partners.
What problems does hybrid fintech solve?
It removes the split between a customer's bank world and digital asset world: faster cross-border settlement with stablecoins, tokenized assets alongside traditional products, and unified treasury for businesses holding both.
Is this only for crypto companies?
No. Payment companies, banks, remittance providers, marketplaces and treasury teams increasingly use stablecoins or tokenized assets alongside traditional rails.
Next step
Discuss Your Blockchain Project.
Tell us about your crypto-fiat wallet requirements — goals, timeline and constraints. We will reply with questions, an approach and next steps.
- Senior engineer reads every enquiry
- Reply within one business day
- NDA on request
Your details are used only to reply to this enquiry.