Digital Asset Payment Systems
Payment systems for digital assets: transfers, settlement, netting and treasury across chains and counterparties.
- 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
Web3 FinTech
Engagement
Project · Team · Managed
Overview
Beyond consumer payments, businesses exchange digital assets with counterparties — exchanges, OTC desks, market makers, payment partners. We build digital asset payment systems for transfers, settlement and netting between counterparties, with approval policies, address allowlists, confirmation tracking and treasury views across chains.
Common use cases
- Counterparty settlementSettling trades with OTC desks and exchanges.
- Intercompany transfersMoving assets between entities.
- NettingReducing on-chain transfers through net settlement.
- Treasury rebalancingMoving liquidity across venues and chains.
Quick answers
Digital Asset Payment Systems at a glance
The essentials in brief. Every project is scoped individually — ask us for specifics.
- What is digital asset payment systems?
- Payment systems for digital assets: transfers, settlement, netting and treasury across chains and counterparties.
- 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?
- Transfer workflows
- Allowlists
- Netting engine
- Confirmation tracking
- Treasury views
- Audit trail
- Which technologies are used?
- Ethereum, Solana, TRON, Base, ERC-20, MPC Cryptography — chosen to fit your stack and constraints.
- How does the process work?
- Product & regulatory model → Ledger & custody design → Chain integration → Risk integration → Operational readiness.
- 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
Transfer workflows
Requests, approvals and execution.
Allowlists
Pre-approved counterparty addresses.
Netting engine
Bilateral and multilateral net positions.
Confirmation tracking
Finality and reorg handling.
Treasury views
Balances across chains and custodians.
Audit trail
Complete record of instructions and approvals.
Architecture
Engineered right from day one
The layers we typically design for Web3 FinTech, adapted to your stack and partners.
- On-chain / off-chain reconciliationCustomer ledgers reconciled continuously with wallet and custodian balances.
- Key managementInstitutional custody or MPC integration, never ad-hoc key storage.
- Chain reorganisationsConfirmation policies and reorg handling per network.
- Regulatory positioningRegulated activities performed by licensed partners; we build the technology.
Delivery
How an engagement runs
- 1
Product & regulatory model
Define products and which licensed partners provide custody, exchange and fiat services.
- 2
Ledger & custody design
Internal ledger reconciled to on-chain balances and custodian records.
- 3
Chain integration
Deposit detection, withdrawals, confirmations and fee management per network.
- 4
Risk integration
Screening, monitoring and travel-rule messaging integrated into flows.
- 5
Operational readiness
Treasury, reconciliation and incident procedures before launch.
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 Web3 Neobank
A neobank for fiat and digital assets — accounts, cards, swaps and transfers in one app.
Learn moreShivacha Crypto Wallet
Custodial or MPC wallets for fintech products and exchanges.
Learn moreShivacha Crypto Payments
Accept and send digital assets with the operational comfort of card payments.
Learn moreRelated services
Often combined with
Web3 FinTech Development
Web3 FinTech products — crypto banking, stablecoin payments, digital asset trading and tokenized finance — built to financial standards.
Learn moreCrypto Banking Platform
Crypto banking platforms combining accounts, cards, transfers and digital assets in one regulated-partner experience.
Learn moreCrypto Neobank Development
Launch a crypto neobank: mobile app, fiat and crypto accounts, cards, swaps and transfers — built on licensed partners.
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 morePolicy-controlled institutional digital asset operations
A reference design for institutions that need every digital asset transaction initiated, approved and signed under explicit policy.
Learn moreStablecoins in the enterprise treasury: a technology checklist
Before holding or moving stablecoins, enterprises need custody, policies, accounting data, reconciliation and clear partner responsibilities.
Learn moreFAQ
Frequently asked questions
Can transfers require multiple approvals?
Yes, through policy engines and custody provider approval workflows.
How is finality handled across chains?
With per-network confirmation policies and monitoring for reorganisations.
How is Web3 FinTech different from a crypto exchange?
Web3 FinTech focuses on financial-services products — accounts, payments, cards, savings, treasury — that use digital assets, rather than purely on trading. Exchanges are one component we also build.
Which stablecoins and networks do you support?
We integrate the stablecoins and networks your partners and markets require, commonly on Ethereum, major Layer 2 networks, Solana and Tron. Selection is driven by liquidity, cost and compliance considerations.
Next step
Discuss Your Blockchain Project.
Tell us about your digital asset payment systems 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.