Reviewed by

Blockchain Payment Infrastructure

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

PCI DSS SOC 2 GDPR Compliant ISO 27001
  • 15+ FinTech projects
  • 13+ years in business
  • 101 Clutch reviews
101 reviews 138 reviews 11 reviews 54 reviews 19 reviews 5.0 323+ verified reviews

Your business results matter

Achieve them with minimized risk through our bespoke innovation capabilities

Your contact details
Please enter your name
Please enter a valid email address
Please enter your message
* required

We typically reply within 4 hours. Prefer email? hello@pharosproduction.com

SOC 2 Type II GDPR ISO 27001 NDA Protected

Aligned with these frameworks. Audit reports and certifications available on request.

Reviewed and updated
Last reviewed July 19, 2026 by Dmytro Nasyrov, Founder and CTO. Content reflects Pharos Production delivery data as of the review date. Editorial policy.
Dmytro Nasyrov - Founder and CTO of Pharos Production

Reviewed 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.

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

    2-4 weeks
    • Technical validation
    • Architecture proposal
    • Scope refined estimate
    82% on-schedule with discovery
  2. Phase 02 / 04

    Iterative Build

    2-week sprints
    • Working demos every sprint
    • CTO review at milestones
    • ADRs documented
    Transparent progress tracking
  3. Phase 03 / 04

    Production Readiness

    • Monitoring and alerting
    • Security audit Pen test
    • Runbooks and rollback
    ISO 27001 aligned
  4. Phase 04 / 04

    Support

    Ongoing
    • 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

Trusted by Coinbase, Consensys, Core Scientific, MicroStrategy, Gate.io and 10+ more Web3 and enterprise platforms

16+ partners

Our 16 technology partners include:

  • Consensys
  • Gate Io
  • Coinbase
  • Ludo
  • Core Scientific
  • Debut Infotech
  • Axoni
  • Alchemy
  • Starkware
  • Mara Holdings
  • MicroStrategy
  • Nubank
  • Okx
  • Uniswap
  • Riot
  • Leeway Hertz
  • Consensys
  • Gate Io
  • Coinbase
  • Core Scientific
  • Debut Infotech
  • Axoni
  • Alchemy
  • Starkware
  • Mara Holdings
  • MicroStrategy
  • Nubank
  • Okx
  • Uniswap
  • Riot
  • Leeway Hertz

Blockchain payment solutions we build

  • Stablecoin payment processing
    USDC, USDT and EURC payment acceptance with instant settlement, merchant dashboards, reconciliation and fiat conversion APIs.
  • Cross-border crypto transfers
    Blockchain-based remittance and B2B payment infrastructure. Multi-currency settlement, compliance screening and automatic FX conversion.
  • 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 cooperation model

Pharos Production works in three engagement models, from a focused PoC to a production MVP to a full enterprise platform, with typical budgets from $10,000 to $400,000+ 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.

$9,000 - $27,000
Popular choice
MVP
MVP build

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

$55,000 - $170,000
Enterprise
Enterprise platform

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

$170,000 - $450,000+

Prices vary based on project scope, complexity, timeline and requirements. Hourly rates range from $35 to $75 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.

187+ technologies

Technologies, tools and frameworks we use

Our engineers work with 187+ technologies across blockchain, backend, frontend, mobile and DevOps - chosen for production reliability and performance.

Our engineers work with 187+ technologies across 10 categories: Frameworks, AI, Blockchains, DevOps, Clouds, Databases, Brokers, Tests, Programming, UI/UX.

  • Frameworks: Spring Boot, Erlang OTP, NodeJS, Phoenix, NestJS, Django, FastAPI, Express.js, React, Next.JS, Svelte, Angular, Vue.js, Remix, Astro, Nuxt.js, iOS, Android, Flutter, React Native, Capacitors, Ionic, Swift, Kotlin, Java, Dart
  • AI: OpenAI GPT, Anthropic Claude, Google Gemini, Meta Llama, Mistral AI, Cohere, Ollama, xAI Grok, LangChain, LangGraph, CrewAI, AutoGen, Hugging Face, PyTorch, TensorFlow, scikit-learn, LlamaIndex, Keras, XGBoost, LightGBM, OpenCV, spaCy, ONNX Runtime, Pinecone, Weaviate, Qdrant, Chroma, pgvector, Milvus, FAISS, MLflow, Weights & Biases, DVC, Kubeflow, AWS SageMaker, Azure ML, Google Vertex AI, NVIDIA Triton, Airflow, Ray Serve, vLLM, OpenAI Agents SDK, Claude MCP, Semantic Kernel, Haystack
  • Blockchains: Ethereum, TON, Corda, Tron, Hedera, Stellar, Consensys GoQuorum, Solana, Arbitrum, Binance Smart Chain (BSC), Sei, Celo, Hyperledger, MultiversX, IOTA, Polkadot, Aptos, Neo, Flow, Algorand, Avalanche, EOS, Optimism, Polygon, Cosmos, Sui, Tezos, Ontology, Fantom, NEAR Protocol, VeChain, Base, IPFS, Amazon Managed Blockchain, Amazon QLDB, IBM Blockchain, Oracle Blockchain
  • DevOps: Kubernetes, Terraform, Docker, Istio, Prometheus, Grafana, Jenkins, ArgoCD, Ansible, GitHub Actions, GitLab CI, Pulumi, Datadog, New Relic, Vault
  • Clouds: Amazon Web Services, Azure, Google Cloud, Cloudflare, Vercel, DigitalOcean
  • Databases: PostgreSQL, MySQL MariaDB, Redis, Cassandra, Neo4J, MongoDB, Elasticsearch, Solr, Ignite, ClickHouse, TimescaleDB, DynamoDB, Supabase, CockroachDB, ScyllaDB
  • Brokers: Kafka, RabbitMQ, Flink, Apache Pulsar, Amazon SQS, Amazon SNS, NATS
  • Tests: Postman, Appium, Cucumber, Selenium, JMeter, Cypress
  • Programming: Solidity, FunC, Rust, GoLang, Elixir, Erlang, C++, Java, JavaScript, TypeScript, Scala, Python, C#, .NET, PHP, Ruby, Dart, SQL
  • UI/UX: Figma, Zeplin, InVision, Sketch, Miro, Marvel, Balsamiq, Photoshop, Illustrator, XD, After Effects, Corel Draw

Frameworks

Backend Frameworks 8

Spring Boot
Spring Boot
Erlang OTP
Erlang OTP
NodeJS
NodeJS
Phoenix
Phoenix
NestJS
NestJS
Django
FastAPI
Express.js

Front End Frameworks 8

React
React
Next.JS
Next.JS
Svelte
Svelte
Angular
Angular
Vue.js
Remix
Astro
Nuxt.js

Mobile Apps Frameworks 10

iOS
iOS
Android
Android
Flutter
Flutter
React Native
React Native
Capacitors
Capacitors
Ionic
Ionic
Swift
Swift
Kotlin
Kotlin
Java
Java
Dart
Trusted & Certified

Partnerships and awards

Recognized on Clutch, GoodFirms and The Manifest for software engineering excellence

  • Partner1
  • Partner2
  • Partner3
  • Partner4
  • Partner5
12+ 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 verification for 5,000+ documents daily with 99.8% 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

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.

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

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.

Dmytro Nasyrov 21 min read
Read
Two autonomous software agent terminal dashboards negotiating a purchase in a dim modern workspace
Business

Agentic Commerce: How AI Agents Transact On-Chain

Agentic commerce is AI agents discovering, negotiating and paying for goods and services autonomously. This guide compares the major 2030 forecasts, walks through the machine-to-machine payment flow step by step and explains why on-chain rails fit agent transactions.

Dmytro Nasyrov 7 min read
Read
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:

  • Copy link Copies a direct link to this answer to your clipboard.

    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.

  • Copy link Copies a direct link to this answer to your clipboard.

    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.

  • Copy link Copies a direct link to this answer to your clipboard.

    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.

  • Copy link Copies a direct link to this answer to your clipboard.

    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.

  • Copy link Copies a direct link to this answer to your clipboard.

    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.

  • Copy link Copies a direct link to this answer to your clipboard.

    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.

  • Copy link Copies a direct link to this answer to your clipboard.

    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!

Your business results matter

Achieve them with minimized risk through our bespoke innovation capabilities

Your contact details
Please enter your name
Please enter a valid email address
Please enter your message
* required

We typically reply within 4 hours. Prefer email? hello@pharosproduction.com

What happens next?

  1. Contact us

    Contact us today to discuss your project. We're ready to review your request promptly and guide you on the best next steps for collaboration

    Same day

  2. NDA

    We're committed to keeping your information confidential, so we'll sign a Non-Disclosure Agreement

    1 day

  3. Plan the Goals

    After we chat about your goals and needs, we'll craft a comprehensive proposal detailing the project scope, team, timeline and budget

    3-5 days

  4. Finalize the Details

    Let's connect on Google Meet to go through the proposal and confirm all the details together!

    1-2 days

  5. Sign the Contract

    As soon as the contract is signed, our dedicated team will jump into action on your project!

    Same day

Our offices

Headquarters in Las Vegas, Nevada. Engineering office in Kyiv, Ukraine.

We also work with clients through dedicated local teams in Las Vegas, New York and San Francisco.

Las Vegas, United States

Headquarters PT
5348 Vegas Dr, Las Vegas, Nevada 89108, United States

Kyiv, Ukraine

Engineering office EET (UTC+2)
44-B Eugene Konovalets Str. Suite 201, Kyiv 01133, Ukraine

Let's work together!

Leave a request and we will contact you as soon as possible

Contact form for Pharos Production. Submit your name, email and message to reach our team directly. Free consultation, no commitment.

Your contact details
Please enter your name
Please enter a valid email address
Please enter your message
* required

We typically reply within 4 hours. Prefer email? hello@pharosproduction.com