Last reviewed August 19, 2026

Blockchain Payment Infrastructure

Crypto payment processing, stablecoin settlement, cross-border transfers and merchant integration.

PCI DSS SOC 2 aligned GDPR Compliant ISO 27001 aligned
  • 15+ FinTech projects
  • 13+ years in business
  • 108 Clutch reviews
5.0/5 · 108 reviews 4.9/5 · 147 reviews 5.0/5 · 27 reviews

282 published client reviews across 3 platforms. Counts are summed; reviewers may appear in more than one source.

Profiles checked . Glassdoor: 46 employee reviews, 5.0/5, reported separately.

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Case Study

See the products we built and the engineering work involved. Each case describes its scope and delivery context.

  • Ludo soulbound NFT reputation profile showing on-chain trust metrics
    Ludo reputation scoring interface with cross-chain blockchain data visualization
    Ludo Web3 reputation platform dashboard showing wallet trust scores and activity feed
    Web3 & Blockchain

    Ludo. Reputation platform of Web3

    Pharos Production partnered with Ludo to build a global cross-chain reputation system that makes trust transparent and portable across the Web3 ecosystem. Using AWS, Kubernetes, Istio, Kafka, Flink, Cassandra, Pinot and Solr, the platform processes blockchain data in real time to generate soulbound NFT-based reputation scores. With web, browser and Telegram interfaces, Ludo empowers users, curators and builders to identify trustworthy projects, integrate reputation APIs and strengthen community engagement. The result is a scalable, real-time trust layer that has been driving adoption in Web3 since 2021.

    View case study →
    Industry
    Web3, AI and Machine Learning, BigData
    Region
    Global
    Client since
    2021
    Technologies
    AWS, Kubernetes, Istio, Spring Boot, Kafka, Flink, Cassandra, Pinot, Solr, Ignite, NextJS, Terraform
  • GridTradeX. Crypto Prediction Game. - application interface, screen 1
    GridTradeX. Crypto Prediction Game. - application interface, screen 2
    GridTradeX. Crypto Prediction Game. - application interface, screen 3
    GridTradeX. Crypto Prediction Game. - application interface, screen 4
    GridTradeX. Crypto Prediction Game. - application interface, screen 5
    Casino & Sportsbook

    GridTradeX. Crypto Prediction Game.

    Pharos Production partnered with Grid Trade X to develop a global crypto prediction platform that blends the excitement of trading with the speed of gaming. Built on AWS with Kubernetes, Istio, Kafka, Flink, Cassandra and smart contracts, the system provides instant price-based predictions, rapid betting rounds and on-chain transparency. The result is a highly engaging, scalable game that increased daily active users, extended session lengths and delivered a smooth, fair and secure experience for players worldwide.

    View case study →
    Industry
    Crypto trading, Gambling
    Region
    Global
    Client since
    2025
    Technologies
    AWS, Kubernetes, Istio, Spring Boot, Kafka, TimescaleDB, NextJS
  • PumpTap crypto wallet multi-chain asset dashboard
    PumpTap Crypto Wallet - application interface, screen 2
    PumpTap Crypto Wallet - application interface, screen 3
    Web3 & Blockchain

    PumpTap Crypto Wallet

    Pharos Production has partnered with PumpTap to develop a secure, high-performance crypto wallet tailored for everyday Web3 interactions. PumpTap lets users store, send and manage digital assets across multiple blockchains through a simple, intuitive interface. Built on a scalable, event-driven architecture, the wallet delivers real-time transaction updates, robust security and seamless integration with decentralized applications.

    View case study →
    Industry
    Web3, Blockchain, Digital Assets, FinTech
    Region
    Global
    Client since
    2021
    Technologies
    AWS, Kubernetes, Istio, Spring Boot, Kafka, Flink, Cassandra, Pinot, Redis, NextJS, Terraform
SOC 2 GDPR ISO 27001 NDA Protected

Aligned with these frameworks.

Last updated
by Dmytro Nasyrov, Founder and CTO. Content reflects Pharos Production delivery data as of that date. Editorial policy.
Dmytro Nasyrov - Founder and CTO of Pharos Production

Practice led by Dmytro Nasyrov

Founder and CTO

23+ years in custom software development. Led 110+ projects across FinTech, healthcare, Web3 and enterprise, ISO 27001-aligned team.

Olena Zaichenko - FinTech and AI scientist and advisor to Pharos Production

Technically reviewed by Olena Zaichenko, D.Sc.

FinTech and AI Scientist and Advisor

Professor, Department of Mathematical Methods of System Analysis, Institute for Applied System Analysis, Igor Sikorsky Kyiv Polytechnic Institute. Financial analyst at EPAM Systems from 2005 to 2019.

Reviewed for technical accuracy on August 19, 2026. Not an endorsement of any commercial claim on this page.

What are crypto payments?

Crypto payments engineering is the work of integrating stablecoin, native-token or on-chain settlement flows into a merchant, marketplace or B2B product with the guard-rails the traditional payment stack provides: reconciliation, refunds, audit trail and chargeback handling.
Authoritative citations 12 sources
  1. Ethereum Yellow Paper The Ethereum Yellow Paper by Gavin Wood is the canonical formal specification of the EVM, gas accounting and state transition function, referenced by every serious smart contract implementation including the clients Pharos uses for mainnet integrations. ethereum.github.io
  2. EIP-1559 Specification EIP-1559 redefined Ethereum gas pricing with a base fee plus priority tip model, changing how wallets, dApps and L2 gas estimation libraries compute transaction cost, which we apply directly in every wallet we ship. eips.ethereum.org
  3. Consensys Smart Contract Best Practices Consensys maintains the industry-reference smart contract security guide covering reentrancy, integer overflow, front-running, oracle manipulation and upgrade patterns, which we use as a code review checklist on every Solidity audit. consensys.github.io
  4. OpenZeppelin Contracts OpenZeppelin Contracts is the most widely audited open-source Solidity library for tokens, access control, upgrades and governance patterns, and is the default foundation for every Pharos smart contract engagement unless the client has compelling audit evidence for a custom base. docs.openzeppelin.com
  5. Chainalysis Crypto Crime Report The Chainalysis annual crypto crime report quantifies illicit on-chain activity across ransomware, sanctions evasion, DeFi exploits and stolen funds, and we use the underlying methodology to calibrate AML screening thresholds in wallet and exchange integrations. chainalysis.com
  6. Trail of Bits Smart Contract Audits Trail of Bits public smart contract audit reports document real-world findings across DeFi protocols, DAOs and NFT infrastructure, and we read every published report to extend our own internal audit checklist with emerging attack patterns. github.com
  7. EEA Enterprise Ethereum Specification The Enterprise Ethereum Alliance specification defines permissioned network, privacy and performance requirements that inform our architecture for enterprise chain engagements running variants of Besu, Quorum and Hyperledger Besu. entethalliance.org
  8. Solidity Documentation The Solidity language documentation is the authoritative source for syntax, compiler behaviour, gas costs and breaking changes across versions, which we track carefully because upgrade cycles from 0.8.x to 0.9.x affect every contract in production. docs.soliditylang.org
  9. L2Beat L2Beat tracks total value locked, security assumptions and maturity of Ethereum layer-2 networks, which we consult when recommending between Arbitrum, Optimism, Base, zkSync and Starknet for client dApps based on throughput and trust requirements. l2beat.com
  10. DeFi Pulse DeFi Pulse publishes total value locked and protocol-level metrics across lending, DEX, derivatives and yield protocols, useful for benchmarking liquidity assumptions when designing DeFi integrations that depend on oracle prices or pool depth. defipulse.com
  11. Hardhat Documentation Hardhat is the de-facto Ethereum development environment with built-in console, mainnet forking and plugin ecosystem, and is the base harness we use to ship every Solidity project with deterministic tests and gas snapshots. hardhat.org
  12. NIST Post-Quantum Cryptography NIST is finalizing post-quantum cryptographic standards including CRYSTALS-Kyber and Dilithium that will eventually replace current ECDSA signatures, and we monitor the migration timeline closely for clients running long-lived on-chain assets. csrc.nist.gov
What we do not do
  • Unregistered or unlicensed money transmission
  • Ignoring KYC or AML requirements in jurisdictions that require them
  • Launching a branded token as a payment mechanism
  • Projects with no stablecoin or fiat on-ramp strategy
  • Engagements without a named compliance owner on the client side

Crypto payments at Pharos at a glance

  • Integrations: 14+ crypto payment integrations since 2021 across SaaS, marketplaces and cross-border B2B
  • Chains: Ethereum L1, Polygon, Arbitrum, Base, Solana; primarily stablecoins (USDC, USDT) with case-by-case native token work
  • Settlement partners: Regulated on- and off-ramp partners per jurisdiction; we do not handle fiat flows ourselves
  • Reconciliation: Every integration reconciles into the client's existing accounting system with idempotent event handling
  • Pricing: Integration projects from $45,000; multi-chain projects $80,000-$220,000
  • Compliance: KYC and AML posture reviewed at scoping; compliance owner required on client side
  • Honest default: We ship crypto payments as a parallel rail, not a replacement for card and bank rails

Stablecoin rails vs traditional card rails

Factor Stablecoin rails Card rails
Cross-border Minutes, fees under 1% 1-5 days, 2.5-3.5% typical
Chargebacks None (requires refund flow) Built in (buyer protection)
Regulation Evolving Mature
User UX Wallet required Universal
When it fits B2B, cross-border, specific markets Consumer, low-friction, refund-sensitive

How we ship crypto-payment rails that survive audit

Pharos Verified Delivery applied to crypto payments: every integration ships with reconciliation, refund support, a compliance note and a written fallback plan for network outages or depeg events. Five artefacts, every time.

Pharos Verified Delivery 4-phase methodology with typical durations and deliverables
  1. Phase 01 / 04

    Paid Discovery

    Week 0

    2-4 weeks

    • Technical validation
    • Architecture proposal
    • Scope refined estimate

    82% on-schedule with discovery

  2. Phase 02 / 04

    Iterative Build

    Week 2-4

    2-week sprints

    • Working demos every sprint
    • CTO review at milestones
    • ADRs documented

    Transparent progress tracking

  3. Phase 03 / 04

    Production Readiness

    Week 8-24

    • Monitoring and alerting
    • Security audit Pen test
    • Runbooks and rollback

    ISO 27001 aligned

  4. Phase 04 / 04

    Support

    Launch day

    Ongoing

    In progress

    • Security patches
    • Performance tuning
    • 4h SLA response

    Continuous improvement

Pharos Verified Delivery applied to 110+ production applications since 2013

Crypto-payment rails that survived real volume

Every integration below has processed production volume for at least one quarter. None of them were pilots that quietly disappeared.

Stablecoin checkout (Q3 2024)

Q3 2024 · SaaS, US
Before

Annual subscription product losing 8% of international customers to payment friction.

After

Added USDC checkout on Ethereum and Polygon with automatic settlement to fiat via a regulated on-ramp. International conversion rate rose 11 points within 90 days.

We did not force the entire business onto crypto rails. Traditional cards stayed as the default. Crypto was added as a parallel option for customers who wanted it.

B2B invoice settlement (Q1 2025)

Q1 2025 · Manufacturing, EU+APAC
Before

Cross-border B2B invoices settling in 3-5 business days with 2.1% effective cost.

After

Added USDC settlement rail with reconciliation into the client's existing accounting system. Settlement time cut to under 90 minutes; effective cost dropped to 0.35%.

Reconciliation was the hard part. The crypto transfer itself was trivial. B2B accountants do not care about on-chain UX, they care about reconciliation reports matching to the cent.

Marketplace payout (Q4 2024)

Q4 2024 · Creator marketplace, global
Before

Creator payouts via wire transfer taking 4-7 days with 3.2% fees in some corridors.

After

Added stablecoin payout as an opt-in with regulated off-ramp partners per country. Payout lead time dropped to under 2 hours; fees cut 75% in target corridors.

The opt-in matters. Not every creator wants crypto payouts. The ones who do get a better experience; the ones who do not are unaffected.

Client names anonymized under NDA. Full case studies at /cases/.

When crypto payments are not the answer

Crypto payments are not a universal upgrade over card rails. We tell clients when to skip the integration:

Projects we decline
  • Your customers are primarily in markets where card rails are fast, cheap and universal
  • Your compliance team has no appetite for crypto-specific obligations
  • Your volume is too low to justify the integration cost
  • You are chasing a press release rather than a measurable payment improvement
  • Your jurisdiction does not yet have clear stablecoin rules
Where we say skip it

In some markets, SEPA instant and ACH real-time rails are faster, cheaper and more compliant than any crypto option. When that is true, we will tell the client and not take the engagement.

Pharos Production blockchain payment infrastructure observations

Observations from 6 blockchain payment engagements delivered 2022-2026 across B2B settlement, remittance and on/off-ramp infrastructure.

  • Rails with multi-stablecoin fallback and depeg gates experienced zero settlement losses during the 3 depeg events tracked in 2023-2024.

  • Automated reconciliation within 15 minutes reduced finance-team effort by 88 percent versus daily-batch reconciliation in matched cohorts.

  • L2 adoption reduced per-transaction cost from $3.40 average (mainnet) to $0.08 average; customer retention on high-frequency flows rose measurably.

  • Teams of 6 to 10 engineers plus 1 payments-licensed counsel shipped rails in 14 to 22 weeks across 5 engagements.

Observations reflect the Pharos Production blockchain payment infrastructure portfolio 2022-2026 and do not generalise beyond surveyed engagements.

Blockchain payment infrastructure outlook 2026-2027

Blockchain payment rails in 2026 are shaping up as complementary, not competitive, with traditional rails. Stablecoin settlement on L2 rollups, CBDC wholesale pilots and tokenised deposits represent three parallel streams. Successful payment infrastructure pairs instant on-chain finality with off-chain compliance and treasury integration.

  • BIS 2024 papers document active wholesale CBDC pilots in 9 major economies, with Project Agora and Project Mariana leading cross-border tokenised-deposit settlement.

  • Stablecoin volume on L2 rollups surpassed $400B monthly by Q4 2024; USDC, USDT and EUR-denominated stablecoins dominate non-exchange flow[9].

  • EU MiCA plus PSD3 proposals integrate stablecoin payments into existing PSP regulation; Travel Rule enforcement is now baseline[5].

  • EEA publishes reference architectures for permissioned-plus-public hybrid payment rails used by several regulated PSPs[7].

How to evaluate blockchain payment infrastructure before go-live

Before routing customer payments through a blockchain rail, run this 8-point gate. Payment infrastructure is regulated money-movement; partial readiness means regulatory exposure and customer loss.

  1. Settlement contracts audited

    All settlement, escrow and compliance contracts audited by 2 independent firms with public reports[4].

  2. Travel Rule integration

    FATF Travel Rule protocol integrated on all transfers above jurisdictional threshold[5].

  3. Treasury integration

    Automated on-ramp and off-ramp with bank or licensed PSP; reconciliation reports match on-chain activity within 1 hour.

  4. Chargeback and dispute flow

    Documented dispute resolution workflow with off-chain arbitration; SLAs defined.

  5. L2 and multi-chain support

    Support for at least Ethereum mainnet plus 2 L2s (Base, Arbitrum, Polygon) with bridged asset handling[9].

  6. Compliance screening

    OFAC, PEP and jurisdiction-aware screening on every on-chain address; risk scoring tuned.

  7. Reconciliation window

    Automated on-chain to accounting reconciliation within 15 minutes of block finality.

  8. Incident runbooks

    Documented stablecoin depeg, bridge compromise and compliance-hit playbooks; tabletop exercised.

Payment infrastructure below 7 of 8 should not accept production payment volume until remediated.

Lesson from production: the depeg cascade

A payments customer routed B2B settlement via a single stablecoin in 2023. During a brief third-party depeg event, the stablecoin traded at 0.94 for 38 minutes. Three invoices totalling $1.2M settled during that window at par in accounting, but at 0.94 in actual on-chain redemption. Net loss: $72,000 across 3 transactions. Root cause: no pre-settlement price validation, no multi-stablecoin fallback. We implemented a dynamic price oracle check with a 0.5 percent tolerance gate, automatic fallback to an alternative stablecoin on breach and settlement-pause on cross-stablecoin variance over 1 percent. No further depeg losses in 14 months since. The lesson: single-asset stablecoin rails need a fallback and a gate.

Regulatory reality
Crypto payments are subject to rapidly changing regulations in every major jurisdiction. We are not a licensed money transmitter, and we will not deliver an integration that puts a client on the wrong side of licensing rules. Scoping always starts with a compliance review.

Published record

Published Pharos research

Technical articles, comparison guides and methodology deep-dives we write from our own delivery experience.

Platforms we work with

Technology platforms and company references shown for identification. A logo does not establish a commercial partnership or endorsement.

16 references
  • Consensys
  • Gate.io
  • Coinbase
  • Ludo
  • Core Scientific
  • Debut Infotech
  • Axoni
  • Alchemy
  • StarkWare
  • MARA Holdings
  • MicroStrategy
  • Nubank
  • OKX
  • Uniswap
  • Riot
  • LeewayHertz

Blockchain payment solutions we build

  • A barista taking a phone payment on a counter terminal while the merchant tablet settles.
    Stablecoin payment processing
    USDC, USDT and EURC payment acceptance with instant settlement, merchant dashboards, reconciliation and fiat conversion APIs.
  • Transfer forms, a blank rate board and a date stamp at a remittance counter.
    Cross-border crypto transfers
    Blockchain-based remittance and B2B payment infrastructure. Multi-currency settlement, compliance screening and automatic FX conversion.
  • An engineer fitting a payment terminal to a bike shop till for crypto acceptance.
    Merchant crypto integration
    Payment SDKs and APIs for e-commerce and POS systems. Accept crypto with automatic conversion to fiat, chargeback protection and tax reporting.

About the founder and CTO

Dmytro Nasyrov

Dmytro Nasyrov

Founder and CTO Pharos Production

Ask the founder a question

I design and build reliable software solutions - from lightweight apps to high-load distributed systems and blockchain platforms.

PhD in Artificial Intelligence, MSc in Computer Science (with honors), MSc in Electronics & Precision Mechanics.

  • 13 years in architecture of great software solutions tailored to customer needs for startups and enterprises

  • 23 years of practical enterprise customized software production experience

  • Lecturer at the National Kyiv Polytechnic University

  • Doctor of Philosophy in Artificial Intelligence

  • Master's degree in Computer Science, completed with excellence

  • Master's degree in Electronics and precision mechanics engineering

Choose your project scope

Pharos Production scopes engagements in three tiers, Proof of concept, MVP build and Enterprise platform, with typical budgets from $10,000 to $500,000+ depending on scope and complexity.

PoC

Proof of concept

Focused validation of your riskiest technical assumption with a working spike and a clear build-or-pivot recommendation.

Timeline
3-6 weeks
Team
1-2 engineers + architect
Best for
validating a risky technical bet before funding a full build
$10,000 - $30,000
MVP
Popular choice

MVP build

Production-ready first version with core flows, real backend and the integrations to onboard first paying users.

Timeline
3-5 months
Team
3-5 engineers + PM + QA
Best for
launching a first version to paying users within one or two quarters
$50,000 - $150,000
Enterprise

Enterprise platform

Full-scale build with architecture, DevOps, QA, security and long-term evolution.

Timeline
6-12+ months
Team
6-12 engineers across teams
Best for
multi-team platforms with security, compliance and long-term evolution
$150,000 - $500,000+

Prices vary based on project scope, complexity, timeline and requirements. Hourly rates range from $50 to $99 depending on role and seniority. Contact us for a personalized estimate.

Interaction models for staff augmentation, dedicated teams and outsourcing

Request staff augmentation

Need extra hands on your software project? Our developers can jump in at any stage - from architecture to auditing - and integrate seamlessly with your team to fill any technical gaps.

Popular choice

Hire dedicated experts

Whether you're building from scratch or scaling fast, our engineers are ready to step in. You stay in control, and we handle the code.

Outsource your project

From first line to final audit, we handle the entire development process. We will deliver secure, production-ready software, while you can focus on your business.

35+ technologies

Technologies, tools and frameworks we use

We select the stack for your product, integrations and operating requirements.

Blockchains

Private and Public Blockchains 32

Ethereum
Ethereum
TON
TON
Corda
Corda
Tron
Tron
Hedera
Hedera
Stellar
Stellar
Solana
Solana
Arbitrum
Arbitrum
Binance Smart Chain (BSC)
Binance Smart Chain (BSC)
Sei
Sei
Celo
Celo
Hyperledger
Hyperledger
MultiversX
MultiversX
IOTA
IOTA
Polkadot
Polkadot
Aptos
Aptos
Neo
Neo
Flow
Flow
Algorand
Algorand
Avalanche
Avalanche
Vaulta (formerly EOS)
Vaulta (formerly EOS)
Optimism
Optimism
Polygon
Polygon
Cosmos
Cosmos
Sui
Sui
Tezos
Tezos
Ontology
Ontology
Fantom
Fantom
NEAR Protocol
NEAR Protocol
VeChain
VeChain
Base
Base
IPFS
IPFS

Cloud Blockchain Solutions 3

Amazon Managed Blockchain
Amazon Managed Blockchain
IBM Blockchain (legacy)
IBM Blockchain (legacy)
Oracle Blockchain
Oracle Blockchain
Published recognition

Partnerships and awards

Selected badges from Clutch, GoodFirms and The Manifest. Open the issuer profiles to review categories and dates.

  • Partner1
  • Partner2
  • Partner3
  • Partner4
  • Partner5

65+ industry awards

Related guides: How to Choose a Blockchain Company How to Choose a FinTech Company

An approach to the development cycle

The Pharos Delivery Framework divides every project into 2-week sprints. After each sprint we hold a retrospective, deliver a progress report and plan the next sprint.

  1. Team Assembly

    Our company starts and assembles an entire project specialists with the perfect blend of skills and experience to start the work.

  2. MVP

    We'll design, build and launch your MVP, ensuring it meets the core requirements of your software solution.

  3. Production

    We'll create a complete software solution that is custom-made to meet your exact specifications.

  4. Ongoing

    Continuous Support

    Our company will be right there with you, keeping your software solution running smoothly, fixing issues and rolling out updates.

Proven Results

Kimlic. Blockchain-based KYC

Lifted onboarding completion from 62 to 89 percent and scaled verification volume from 20k to 140k flows per month. Measured…

Pleenk. Secure Payments Platform

Reduced payment authorization p95 latency from 820ms to 180ms and cut KYC decision time from 45s to 4.2s. Measured against…

Nextcheck, the KYC Platform

Automated KYC at 5,000+ verifications per day with 99.8% OCR accuracy

Crypto payments insights

A translucent coin suspended by a taut blue thread anchored to a dollar anchor on a pale surface, visualizing the stablecoin peg.
Engineering
21 min read

How Crypto Works. Stablecoins

Stablecoins are cryptocurrencies whose rate is stabilized by being tied to the value of tangible assets. The most famous example is the USDT token, worth $1. These tokens are convenient for mutual settlements since the value of other cryptocurrencies changes unpredictably over time. In addition to dollars, such tokens can be backed by precious metals, oil or other cryptocurrencies. Sometimes, they are not supported by anything, but the increase and decrease of the money supply in circulation is controlled by intelligent contract algorithms, which ensures their relatively stable rate.

Isometric exploded view of five translucent glass layers representing infrastructure, protocol, smart contract, dApp and interface tiers of a Web3 stack.
Engineering
21 min read

Guide to the Web3 Stack for Developers in 2026

This guide breaks down the Web3 development stack in 2026 and explains how modern teams choose blockchain tools that hold up in production. You will learn how wallets, smart contracts, nodes, indexing, storage and observability fit together and what tradeoffs developers should consider for security, performance and cost. Use it as a practical reference for planning architecture and shipping reliable Web3 applications.

An auditor's reserve file open at a tabbed valuation section on a desk beside a sealed filing envelope and a desk calendar, the six-monthly attestation evidence behind electronic money token issuance
Engineering
25 min read

Electronic Money Token Issuance

MiCA describes an accounting outcome for an e-money token and almost never a mechanism. This follows one euro through the licence gate, the mint, placement, circulation, the redemption request, burn and attestation, states which of those steps the Regulation actually specifies and names the two places where it specifies nothing at all.

View all articles
Skip glossary

Crypto Payment Infrastructure Glossary 6

Stablecoin Settlement
Completing a payment transaction using a price-stable cryptocurrency - typically pegged 1:1 to USD - such as USDC or USDT, eliminating the FX volatility present in native crypto asset payments.
On-Chain Reconciliation
The process of matching blockchain transaction records (hash, block height, amount, timestamp) against off-chain accounting entries to produce a complete, auditable payment ledger.
Hot Wallet
A cryptocurrency wallet that remains connected to the internet to enable real-time payment receipt and disbursement, managed with HSM or cloud KMS key protection to limit exposure.
Payment Oracle
A trusted data feed that supplies real-time cryptocurrency-to-fiat exchange rates to a smart contract or payment backend, enabling accurate conversion at the moment a transaction is confirmed.
Cross-Border Crypto Transfer
A value transfer executed on a public blockchain that settles internationally without correspondent banks, typically clearing in seconds to minutes versus 1-5 business days for SWIFT wires.
Merchant Webhook
An HTTP callback sent by a payment gateway to a merchant's backend server when a crypto payment reaches a configurable confirmation threshold, triggering order fulfillment or ledger updates.

Frequently asked questions about Blockchain Payment Infrastructure

Last updated:

  • What is blockchain payment infrastructure and how does it differ from traditional payment processing?

    Blockchain payment infrastructure uses distributed ledger technology to move value directly between parties - settling in crypto assets or stablecoins such as USDC or USDT - without card networks or correspondent banks. It enables real-time gross settlement, eliminates chargeback risk and supports cross-border transfers at a fraction of SWIFT costs, while traditional processors add 1.5-3% card fees and 2-5 day settlement delays.

  • What does it cost to build a crypto payment processing system?

    A crypto payment system ranges from roughly $80,000 for a focused merchant plugin with single-chain support to $400,000 or more for a multi-chain infrastructure with real-time FX conversion, AML screening and a reconciliation dashboard. Cost drivers include the number of supported assets and blockchains, compliance scope (PCI DSS, FinCEN MSB, MiCA), custodial model and required throughput SLA.

  • Which stablecoins and blockchains does Pharos Production support for payment infrastructure?

    Development covers USDC, USDT and PYUSD on Ethereum mainnet, Polygon, Solana and Arbitrum, as well as native coin payment flows on Bitcoin via the Lightning Network. Chain selection is driven by merchant transaction volume, target geography and regulatory posture - Polygon and Solana suit high-frequency micro-payments while Ethereum mainnet suits enterprise settlement.

  • How is PCI DSS compliance addressed in a crypto payment system?

    PCI DSS scope is reduced by never storing raw card data, but any hybrid crypto-fiat gateway that touches card PANs must still satisfy SAQ D or ROC requirements. Architecture choices that reduce PCI surface include tokenized card vaulting via third-party processors, strict network segmentation for hot-wallet services and quarterly vulnerability scans.

    All private key material is stored in HSMs or cloud KMS services outside PCI scope boundaries.

  • How long does it take to integrate a crypto payment gateway with an existing e-commerce or ERP platform?

    A standard merchant plugin integration with Shopify, WooCommerce or SAP typically takes 6-10 weeks covering API design, webhook reconciliation, test-net validation and go-live support. Custom ERP connectors or multi-currency reconciliation modules add 4-8 weeks.

    Timeline depends on existing API maturity, sandbox availability and internal compliance review cycles.

  • How does real-time crypto-to-fiat conversion and reconciliation work?

    On payment receipt, the system fetches a live rate from a price oracle (Chainlink or a CEX API), locks a conversion window and triggers an automated swap via a liquidity provider or on-chain DEX route. The resulting fiat amount is logged with the on-chain transaction hash, block confirmation count and timestamp, producing an audit-ready ledger entry that reconciles directly against the merchant's accounting system.

  • What AML and transaction monitoring controls are built into crypto payment infrastructure?

    Incoming wallet addresses and transaction hashes are screened in real time against OFAC SDN lists and blockchain analytics providers such as Chainalysis or Elliptic. Risk scoring flags high-risk jurisdictions, mixer-associated funds and structuring patterns.

    Threshold-based alerts feed into a case management queue for manual SAR filing where required by FinCEN, FCA or other applicable regulators.

The Pharos takeaway on blockchain payments

Blockchain payment infrastructure in 2026 is regulated money-movement engineering. Pharos Production builds payment rails with audited settlement contracts, compliance-native architecture and tested treasury integration, so your PSP or enterprise customer can rely on blockchain rails the same way they rely on SWIFT or SEPA.

Dmytro Nasyrov, Founder and CTO at Pharos Production
Dmytro Nasyrov Founder & CTO Let's work together!

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