Build the Seamless Bridge Between Web3 and the Real World

Integrate automated stablecoin on/off-ramps, local fiat settlement, and XPAY on-chain verification into your application via our robust RESTful APIs and plug-and-play SDKs.

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Highly Scalable 5-Layer Architecture

5 User Application Layer Web, Mobile App, API SDK

4 Service Orchestration Layer EDA, KYC, FX, Risk

3 Asset Control Layer Custody, Fiat Hub, Rate Lock

2 Blockchain Interface Layer ETH, BSC, Polygon, L2s

1 Third-Party Integration Layer Bank gateways, Fiat rails

Level 5 — User Application Layer: Web clients, mobile apps, and standardized API SDKs.

Level 4 — Service Orchestration: Event-driven engine (EDA) for KYC, real-time FX, and smart risk control.

Level 3 — Asset Control: Cold/hot wallet separation, fiat payment hub, and rate locker.

Level 2 — Blockchain Interface: Multi-chain adapters (ETH, BSC, Polygon, and more).

Level 1 — Third-Party Integration: Local bank gateways and global fiat on/off-ramps.

Core API Modules

Stablecoin on-ramp, fiat off-ramp payouts, and virtual local account provisioning. Supports real-time quoting and 5–15 minute rate locks.

POST /v1/payouts
{
  "amount": 1000,
  "currency": "USD",
  "recipient_iban": "DE89...",
  "reference": "order-001"
}

GET /v1/rates?from=USDT&to=EUR

XPAY domain resolution for wallets and DEXs (e.g., resolveXPAY(name)). Fetch multi-chain contract addresses, "blue-check" verification status, and security blacklists.

GET /v1/xpay/resolve?name=usdt.xpay

Response:
{
  "addresses": { "eth": "0x...", "bsc": "0x..." },
  "verifiedLevel": "official",
  "blacklisted": false
}

Event-driven Webhook architecture to push real-time updates for on-chain confirmations, fiat gateway payout statuses, and KYC/KYB reviews.

POST your-server.com/webhook
X-FXPPAY-Signature: sha256=...

{
  "event": "payout.completed",
  "id": "po_xxx",
  "status": "completed",
  "timestamp": "2024-01-15T12:00:00Z"
}

Security & Authentication

API Signature

All API calls use Token + HMAC dual-signature verification, combined with strict permission tiering and IP whitelisting.

End-to-End Encryption

TLS 1.2+ for all data in transit; sensitive user and financial data are encrypted at rest using AES-256.

Smart Risk Engine

Built-in FATF-standard AML screening, transaction velocity limits, and Geo-IP risk alert models.

Quick Start Guide

Get Credentials

Register a business account in the Sandbox, complete basic KYB, and generate your API Keys and Webhook secrets instantly.

Integrate & Test

Use our standardized SDKs (Node.js, Python, Go) to initiate test orders and verify state transitions.

Go Live

Switch to the Production environment and instantly unlock crypto-fiat liquidity for your global users.