Connect traditional financial infrastructure with programmable digital assets.
Shivacha's hybrid fintech solution: unified ledgers, integration layers and products that span bank rails, card networks, stablecoins and tokenized assets.
- 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
Traditional finance and digital assets are converging. Payment companies settle in stablecoins, banks explore tokenized deposits and assets, crypto platforms need bank accounts and card programs, and businesses hold treasury across both. Yet most technology stacks treat the two worlds separately, creating reconciliation gaps, fragmented customer experiences and inconsistent risk controls.
The Shivacha hybrid architecture places an integration layer between traditional rails and digital asset rails. APIs, identity, compliance tooling integrations, risk, a unified double-entry ledger, settlement and analytics operate consistently across both — so a customer, a payment or a treasury position is one thing, regardless of which rail it moves on.
This is a core Shivacha differentiator because it requires depth in both domains at once: card authorisation and ISO 20022 as well as ERC-20 transfers, custody integration and chain reorganisations. Our FinTech and Web3 divisions deliver it as one team.
Architecture
Traditional finance, digital assets and the layer between them.
Web2 rails
Traditional Finance
- Bank
- Payment Network
- Processor
- Bank Account
- Fiat
Hybrid core
Shivacha Integration Layer
- API
- Identity
- Compliance
- Risk
- Ledger
- Settlement
- Analytics
Web3 rails
Digital Assets
- Wallet
- Blockchain
- Stablecoin
- Tokenized Asset
- Smart Contract
Challenges
What stands in the way
Two ledgers, no truth
Fiat and digital asset balances tracked in separate systems that drift apart.
Fragmented experience
Customers juggle separate apps for bank accounts, cards and digital assets.
Inconsistent controls
Identity, screening and limits applied differently per rail.
Partner complexity
Banks, processors, custodians, ramps and chains each integrated ad hoc.
Approach
How Shivacha helps
- 1
Unified ledger
One double-entry source of truth across fiat accounts, wallets and tokenized positions.
- 2
Integration layer
Adapters for banks, processors, custodians, ramps and blockchains behind one API.
- 3
Consistent risk
One customer identity and risk profile across rails.
- 4
Treasury bridge
Liquidity, conversion and settlement managed across fiat and digital assets.
- 5
Partner-led regulation
Regulated services delivered by licensed partners on each rail.
Deliverables
- Hybrid architecture and partner map
- Unified multi-asset ledger
- Fiat and digital asset integration layer
- Hybrid wallet or payment product
- Treasury and reconciliation tooling
- Compliance tooling integrations
Services
Services in this solution
Fiat-Crypto Integration
Connect fiat accounts and payment rails with crypto wallets and stablecoins — conversions, transfers and unified balances.
Learn moreHybrid Payment Platform
Accept cards, bank transfers and stablecoins; settle in fiat or digital assets — one payment platform across rails.
Learn moreHybrid Wallet Platform
White-label hybrid wallet infrastructure — fiat, stablecoins and tokens with APIs, SDKs and partner integrations.
Learn moreStablecoin-Fiat Rails
Build rails between stablecoins and fiat — mint/redeem, ramps, local payouts and liquidity management across corridors.
Learn moreBlockchain Payment Settlement
Use blockchain for payment settlement between entities, partners and merchants — faster, transparent and reconcilable.
Learn moreBank-Blockchain Integration
Integrate core banking and payment systems with blockchain networks — tokenized deposits, settlement and asset services.
Learn moreProgrammable Payments
Payments with built-in logic — conditional release, streaming, escrow, splits and automated treasury rules.
Learn moreDigital Asset Banking Integration
Integrate digital asset services into banking products — custody, trading, tokenized assets and stablecoins in bank channels.
Learn moreProducts
Platforms that accelerate delivery
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 moreShivacha Stablecoin Payments
Dollar-denominated payments, payouts and settlement on stablecoin rails.
Learn moreLearn more
Related work and 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 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 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 moreModular monolith first: when microservices are actually worth it
Microservices solve organisational scaling problems and introduce distributed-systems problems. Most products should earn them.
Learn moreWeb2 + Web3 FinTech Architecture Guide
Shivacha's hybrid architecture for connecting bank rails, card networks and ledgers with wallets, stablecoins and tokenized assets.
Learn moreHybrid FinTech Reference Architecture
Layered blueprint of traditional rails, the Shivacha integration layer and digital asset rails, with component responsibilities.
Learn moreFAQ
Frequently asked questions
What does hybrid fintech mean in practice?
Products and infrastructure where traditional rails (bank accounts, cards, payment schemes) and digital asset rails (wallets, stablecoins, tokenized assets) operate as one system, with one ledger and one set of controls.
Is Shivacha a licensed financial institution?
No. We build the technology; regulated services on each rail are provided by licensed partners.
Who is this for?
Payment companies adding stablecoin rails, banks exploring digital assets, crypto platforms adding fiat, and businesses managing treasury across both.
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