Programmable Money
Programmable money systems — rules-bound tokens for conditional payments, disbursements, vouchers and automation.
- 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
Stablecoins & Digital Money
Engagement
Project · Team · Managed
Overview
Programmable money embeds rules into money itself: funds that can only be spent at approved merchants, released on conditions, expire after a period or split automatically. We build programmable money systems using smart contracts on stablecoins or dedicated tokens for use cases such as targeted disbursements, vouchers, escrow and automated treasury.
Common use cases
- Targeted disbursementsFunds restricted to specific uses.
- Digital vouchersExpiring, merchant-restricted value.
- EscrowConditional release of funds.
- Automated treasuryRules-driven fund movements.
Quick answers
Programmable Money at a glance
The essentials in brief. Every project is scoped individually — ask us for specifics.
- What is programmable money?
- Programmable money systems — rules-bound tokens for conditional payments, disbursements, vouchers and automation.
- Who is it for?
- Typically Web3 startups, fintechs adding digital assets, and institutions exploring tokenization, stablecoins or on-chain settlement.
- What does Shivacha provide?
- Rule-bound tokens
- Conditions
- Merchant allowlists
- Expiry & clawback
- Reporting
- Privacy
- Which technologies are used?
- ERC-20, Solidity, Ethereum, Solana, TRON, Base — chosen to fit your stack and constraints.
- How does the process work?
- Use-case & partner model → Network strategy → Core services → Fiat connectivity → Controls.
- 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
Rule-bound tokens
Spending restrictions in contracts.
Conditions
Time, oracle and approval conditions.
Merchant allowlists
Where funds can be spent.
Expiry & clawback
Time-limited value.
Reporting
Usage and impact reporting.
Privacy
Data minimisation for recipients.
Architecture
Engineered right from day one
The layers we typically design for stablecoins & digital money, adapted to your stack and partners.
- Issuer vs userIssuing a stablecoin carries regulatory obligations; using one is simpler. We build for both roles.
- Multi-chain liquiditySame stablecoin on different networks handled as distinct assets with routing.
- ReconciliationOn-chain transfers matched to internal ledgers and bank movements.
- Compliance controlsAllowlists, screening and reporting integrated with partners.
Delivery
How an engagement runs
- 1
Use-case & partner model
Issuer, payment or treasury use case and the licensed partners involved.
- 2
Network strategy
Which stablecoins and chains, based on liquidity, cost and users.
- 3
Core services
Transfers, settlement, ledger and treasury tooling.
- 4
Fiat connectivity
Banking, on/off-ramp and FX integrations.
- 5
Controls
Screening, limits, freezing capabilities where required and reporting.
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
Products
Start from a platform
Shivacha Stablecoin Payments
Dollar-denominated payments, payouts and settlement on stablecoin rails.
Learn moreShivacha Crypto Payments
Accept and send digital assets with the operational comfort of card payments.
Learn moreShivacha Hybrid Payments
Accept cards, bank transfers and stablecoins. Settle in fiat or digital assets.
Learn moreRelated services
Often combined with
Programmable Payments
Payments with built-in logic — conditional release, streaming, escrow, splits and automated treasury rules.
Learn moreStablecoin Platform Development
Technology for stablecoin issuers — token contracts, mint/redeem workflows, reserve reporting data and admin controls.
Learn moreStablecoin Payment Infrastructure
Infrastructure for stablecoin payments — acceptance, transfers, payouts, settlement and reconciliation at scale.
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 moreTokenized fund units with on-chain eligibility
How we structure a fund tokenization platform where only eligible investors can hold or receive units.
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
Is programmable money the same as a CBDC?
No. Programmable money can be built on stablecoins or private tokens; CBDCs are central bank-issued and a separate category.
Can restrictions be changed?
Governance defines who can update rules and how, with transparency to users.
Can you build our own stablecoin?
We can build the technical platform — token contracts, mint and redeem workflows, reserve data reporting and admin controls. Issuing a stablecoin is regulated in many jurisdictions and requires appropriate licensing and legal structuring.
Why use stablecoins for payments?
They can settle quickly around the clock across borders and are programmable. Trade-offs include network risk, liquidity, fiat conversion costs and regulatory requirements, which we design around.
Next step
Discuss Your Blockchain Project.
Tell us about your programmable money 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.