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Shivacha Web3Web3 & Crypto Payments

Fiat-Crypto Payment Rails

Two-way fiat-crypto payment rails combining on-ramps, off-ramps, liquidity and settlement into one system.

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Contract events · EVM network
Illustrative
  1. Wallet
  2. Smart contract
  3. Blockchain
  4. Indexer
  5. API
  6. Application

#…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

Overview

Fiat-crypto payment rails unify on-ramps, off-ramps, liquidity and settlement into infrastructure that moves value both ways reliably. We build these rails for platforms that need continuous conversion — payment companies, exchanges, remittance providers and wallets — with routing, treasury management and reconciliation.

Common use cases

  • Payment company railsTwo-way conversion for a PSP.
  • Exchange fiat gatewayDeposits and withdrawals.
  • Remittance railsConversion at both ends of corridors.
  • Wallet railsBuy and sell in-app.

Quick answers

Fiat-Crypto Payment Rails at a glance

The essentials in brief. Every project is scoped individually — ask us for specifics.

What is fiat-crypto payment rails?
Two-way fiat-crypto payment rails combining on-ramps, off-ramps, liquidity and settlement into one system.
Who is it for?
Typically Web3 startups, fintechs adding digital assets, and institutions exploring tokenization, stablecoins or on-chain settlement.
What does Shivacha provide?
  • On/off-ramp aggregation
  • Liquidity management
  • Routing
  • Treasury
  • Reconciliation
  • Monitoring
Which technologies are used?
ERC-20, Ethereum, TRON, Solana, Node.js, Go (Golang) — chosen to fit your stack and constraints.
How does the process work?
Merchant & market scope → Payment engine → Ramps & settlement → Merchant experience → Risk & launch.
What affects the cost?
  • Contract complexity and number of chains
  • Custody and wallet model
  • Independent audit scope
  • Indexing, analytics and back-office tooling
  • Compliance integrations (KYC, AML, Travel Rule)
  • Upgradeability and governance requirements
How long does it take?
A focused contract system or dApp MVP typically takes 8–14 weeks plus independent audit time; institutional platforms usually take 4–9 months.
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

On/off-ramp aggregation

Multiple providers per market.

Liquidity management

Balances across providers.

Routing

Cost and speed optimisation.

Treasury

Pre-funding and rebalancing.

Reconciliation

Fiat and on-chain matching.

Monitoring

Rail health dashboards.

Architecture

Engineered right from day one

The layers we typically design for Web3 & crypto payments, adapted to your stack and partners.

  • Payment finalityConfirmation thresholds tuned per network and amount.
  • VolatilityInstant conversion or stablecoin pricing to protect merchants from price moves.
  • Exception handlingUnder-payments, late payments and wrong-network deposits resolved cleanly.
  • Partner-led rampsFiat conversion via licensed on/off-ramp providers.
Web3 & Crypto Payments · reference architecture
5Checkout
Hosted checkoutPayment linksPlugins & SDKsInvoices
4Payment engine
Address managementConfirmation trackingUnder/over-payment
3Settlement
Auto-conversion via partnersStablecoin settlementFiat payouts
2Controls
Wallet screeningLimitsRefunds
1Merchant tools
DashboardReportsWebhooksAPI keys

Delivery

How an engagement runs

  1. 1

    Merchant & market scope

    Target merchants, assets, networks and settlement preferences.

  2. 2

    Payment engine

    Payment lifecycle, confirmations, expiry and exception handling.

  3. 3

    Ramps & settlement

    On/off-ramp and liquidity partner integrations.

  4. 4

    Merchant experience

    Dashboard, plugins, webhooks and reporting.

  5. 5

    Risk & launch

    Screening integration, testing and staged merchant onboarding.

Security

Security built into delivery

Controls we apply by default on this kind of work — not a separate phase at the end.

Specification first

Roles, invariants and threat model documented before code.

Adversarial testing

Fuzz, invariant and fork tests plus static analysis on every change.

Key management

Admin keys in multisig or MPC with timelocks on sensitive actions.

Independent audit

Code prepared for — and we recommend — an external audit before mainnet value.

Technology

Tools we use for this

ERC-20EthereumTRONSolanaNode.jsGo (Golang)PostgreSQLWalletConnect
Industries:
E-commercePaymentsGamingTravel

Products

Start from a platform

All products
Web3 FinTech

Shivacha Crypto Payments

Accept and send digital assets with the operational comfort of card payments.

Learn more
Web3 FinTech

Shivacha Stablecoin Payments

Dollar-denominated payments, payouts and settlement on stablecoin rails.

Learn more
Hybrid FinTech

Shivacha Hybrid Payments

Accept cards, bank transfers and stablecoins. Settle in fiat or digital assets.

Learn more

Related services

Often combined with

Hybrid FinTech

Stablecoin-Fiat Rails

Build rails between stablecoins and fiat — mint/redeem, ramps, local payouts and liquidity management across corridors.

Learn more
Hybrid FinTech

Fiat-Crypto Integration

Connect fiat accounts and payment rails with crypto wallets and stablecoins — conversions, transfers and unified balances.

Learn more
Web3 & Crypto Payments

Web3 Payment Development

Web3 payment systems — wallet payments, stablecoin checkout, subscriptions and on-chain invoicing for digital businesses.

Learn more

Dedicated team

Payments Engineering Team

Specialists in gateways, processing, orchestration, settlement and payouts.

View teamBuild This Team

Work & insights

Related thinking

Reference architecture

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 more
Reference architecture

Tokenized fund units with on-chain eligibility

How we structure a fund tokenization platform where only eligible investors can hold or receive units.

Learn more
Insight · 9 min

How much does blockchain development cost? The factors that actually drive the estimate

Blockchain budgets are driven by contract complexity, custody, audits, chains and the off-chain system around them. Here is how to scope each one before asking for a quote.

Learn more

FAQ

Frequently asked questions

How is this different from hybrid fintech?

Fiat-crypto rails are one building block; hybrid fintech covers complete products and ledgers across both worlds.

Which markets are supported?

Depends on partner coverage; we map providers per market during design.

Can merchants receive fiat instead of crypto?

Yes, through integration with licensed conversion and off-ramp partners, subject to their coverage and requirements.

Which e-commerce platforms can you integrate?

We build plugins and integrations for major commerce platforms and custom checkouts through APIs and SDKs.

Next step

Discuss Your Blockchain Project.

Tell us about your fiat-crypto payment rails 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

Prefer to talk first?

Book a 30-minute call, or message the nearest team on WhatsApp.

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