HD Wallet Derivation
One BIP39 master seed derives every merchant wallet across ETH, BSC, Solana and Bitcoin — nothing to store, just derive on demand.
One platform for USD stable currency payments
and Multi PSP card routing.
Non-custodial HD-wallet payments across four chains, plus a card aggregator with automatic sequential fallback — all managed from a single, beautiful dashboard.
✓ Self-hosted✓ Keys stay yours✓ No card required
EthereumBNB ChainSolanaBitcoinStripeForex PSP
Features
Everything you need to accept payments
Wallets, monitoring, card routing and reconciliation — one platform instead of four integrations.
On-Chain Monitoring
Workers poll RPC nodes at a fixed cost — eth_getLogs, a BTC block cursor and Solana signatures — regardless of merchant count.
PSP Fallback Routing
Connect Stripe, a Forex PSP, or any webhook PSP. A decline retries on the next provider automatically, transparent to the customer.
Centralised Webhooks
Every PSP callback is verified, normalised to one event format, and forwarded to your endpoint with exponential-backoff retries.
Non-Custodial by Design
Funds settle directly to merchant-derived addresses. The platform never takes custody — keys stay yours, end to end.
Unified Dashboard
USD stable currency settlements and card payments in one ledger — reconcile volume, withdrawals and wallets without leaving the page.
How it works
From address to settlement in three steps
Derive a wallet
Request an address per chain — derived on demand from your master seed. No pre-funding, no storage.
One call. POST /v1/wallets returns four addresses and the derivation index you can reconcile against later.
Accept the payment
USD stable currency is watched on-chain to required confirmations; cards route through your PSPs with automatic fallback.
A decline is not a failure. The charge retries on the next provider in your chain until one authorises — the customer sees a single attempt.
Settle & withdraw
A single normalised webhook fires to your endpoint, and funds sweep to your treasury above the threshold.
One event format. Card and on-chain settlements arrive on the same schema, signed, with exponential-backoff retries.
Ethereum
0x7a2f…b91cm/44'/60'/0'/0/7BNB Chain
0x7a2f…b91cm/44'/60'/0'/0/7Solana
9xQe…7Vhkm/44'/501'/7'Bitcoin
bc1q…04tam/84'/0'/0'/0/7Card route · $240.00
▤Stripe1.2sDeclined
⇄Forex PSP0.8sAuthorised
On-chain confirmations◆ 1,000.00 USD stable · Ethereum9 / 12
POST https://acme.com/hooks/xlopay { "event": "payment.settled", "amount": "1000.00", "source": "chain:ethereum", "confirmations": 12 }
✓Swept to treasury
0xTREAS…9f21+$1,000.00Use cases
Built for the businesses that outgrow one PSP
The same gateway serves very different money flows — pick the rails that fit each product line.
Marketplaces
Derive a wallet per seller and settle straight to them. No pooled balance to reconcile, no payout queue to babysit.
Seller wallets1,902
Payout delay0 days
ReconciliationAutomatic
Comparison
Non-custodial gateway vs. a custodial PSP
Same checkout for your customer. Very different exposure for your treasury.
Non-custodialCustody of fundsNever — keys stay yours
Settlement timeMinutes, on-chain
Chains supportedETH · BSC · Solana · BTC
Decline handlingAuto retry, next provider
Webhook formatOne normalised event
Account freeze riskNo pooled balance to freeze
Minimum withdrawal$5
Custodial PSPFunds held
Custody of fundsHeld by the provider
Settlement time2–7 business days
Chains supportedNone
Decline handlingReturned to customer
Webhook formatPer-provider schemas
Account freeze riskRolling reserve, holds
Minimum withdrawal$100 + payout fee
Security
Custody risk removed, not relocated
The platform can watch a payment and report it. It cannot move your money.
SOC 2 Type II · in progressPCI DSS handled by PSPsGDPR-aligned data handling2FA + backup codesRole-based admin access
Keys never transmitted
Addresses are derived from your seed; private keys are generated at use and never stored server-side or logged.
Signed webhooks
Every event carries an HMAC signature and a replay-safe timestamp, so your endpoint can reject anything it did not expect.
Confirmation thresholds
Per-chain thresholds decide when a payment counts as settled — 12 blocks on Ethereum, 2 on Bitcoin, finality on Solana.
Full audit trail
Admin actions, PSP responses and sweep transactions are recorded with actor, timestamp and payload for every merchant.
Integrations
Plugs into the stack you already run
Card providers, wallets, storefronts and back-office tools — connected through one API key.
Customers
What operators say after the first month
Reconciliation, declines and payout delays are the three complaints that go quiet first.
We moved 60% of volume on-chain in six weeks. Settlement went from four days to about nine minutes, and our treasury finally reconciles itself.
The fallback routing paid for itself immediately — recovered roughly 11% of renewals that used to fail outright on a single acquirer.
One webhook format for cards and four chains. We deleted an entire normalisation service we had been maintaining for two years.
FAQ
Questions we get before the first integration
No. Payments settle to addresses derived from your own master seed, and card volume settles through your own PSP accounts. The platform reads chain state and reports it — there is no pooled balance under our control.
The charge is retried against the next provider in your configured chain, in order, until one authorises or the list is exhausted. The customer sees a single attempt; your webhook receives one final result plus the per-provider attempt log.
USD stable currency on Ethereum, BNB Chain and Solana, plus native Bitcoin. Each chain has its own confirmation threshold and its own derivation path, all from the same seed.
Balances above your threshold sweep automatically to the treasury address you nominate, and manual withdrawals are available from $5. Every sweep is recorded with its transaction hash.
Yes. The dashboard and the worker set run on your own infrastructure against your own RPC endpoints. The mock API mode lets your team evaluate the full UI before any keys exist.
Most teams ship a first payment the same day: derive a wallet, point a webhook at your endpoint, and connect one PSP. Sequential fallback and auto-sweeps are configuration, not code.
Feature tour
Start accepting USD stable currency & cards today
Spin up the merchant dashboard, connect a PSP, and derive your first wallet in minutes.