8. Products and Service Offering

8.1 Crypto-to-Fiat Payment Gateway

• Built on smart contract-based escrow and real-time liquidity provisioning.

• Utilizes Chainlink and proprietary oracles for live market rate conversions.

• Supports Ethereum, BNB Chain, Polygon, and Arbitrum networks for high-throughput and scalable performance.

• Accepts a wide range of assets including BTC (wrapped), ETH, USDT, USDC, BUSD, and local stablecoins where applicable.

• Implements Layer 2 support for gas optimization, reducing user fees and improving transaction finality.

• Transaction batching reduces cost per payment by grouping payments into fewer network submissions.

• Enables gasless payments using meta-transactions and relayer infrastructure for participating merchants and dApps.

• Off-ramp via local OTC desks or fiat rails through integrated APIs with licensed banking partners

• Built on smart contract-based escrow and real-time liquidity provisioning.

• Off-ramp via local OTC desks or fiat rails via partnered banking APIs

At the core of PayFi’s infrastructure lies a real-time crypto-to-fiat gateway that facilitates the instant conversion of digital assets into local fiat currencies. This gateway supports high-throughput transaction volumes and offers advanced liquidity aggregation, ensuring minimal slippage and optimal exchange rates. Settlement occurs within minutes, enhancing merchant cash flow while maintaining transparency and compliance with local financial regulations.

8.1.1 POS Devices

PayFi’s proprietary Point-of-Sale (POS) terminals are purpose-built for retail environments. These plug-and-play devices support on-chain transactions from major networks, including Ethereum (ERC-20), BNB Smart Chain (BEP-20), and Tron (TRC-20), among others. Integrated with licensed Virtual Asset Service Providers (VASPs), these terminals deliver secure, real-time payment processing with instant fiat conversion at the point of sale.

8.1.2. Soft POS App

For enhanced mobility and accessibility, PayFi offers a Soft POS application compatible with Android and iOS devices. This mobile app transforms any smartphone or tablet into a fully functional crypto payment terminal. It includes built-in KYC tools, AML monitoring, and transaction verification modules, making it ideal for micro-merchants, freelancers, and pop-up retail setups.

8.1.3 PayWithCrypto Card

The PayWithCrypto Card is a hybrid crypto-fiat debit card available in both physical and virtual formats. Linked directly to users’ wallets, the card allows for instant spending of digital assets anywhere traditional debit cards are accepted. Physical cards are globally shipped, while virtual cards are issued instantly upon signup. All transactions leverage PayFi’s crypto-to-fiat gateway to ensure seamless, real-time conversion.

8.1.4 Custodial Wallet for Merchants

PayFi provides merchants with a custodial wallet infrastructure to streamline operations and ensure regulatory alignment. Funds received in crypto are automatically converted to fiat and stored securely under institutional-grade custody. This custodial setup integrates seamlessly with banks and licensed financial institutions, ensuring compliance with AML, KYC, and reporting standards across jurisdictions.

8.1.5 Non-Custodial Wallet for Consumers

Consumers retain full control of their digital assets via the PayFi non-custodial wallet. Built with interoperability in mind, this wallet supports multi-chain assets and connects to leading Web3 wallets. With integrated QR code scanning, real-time transaction validation, and loyalty features, the wallet enables a secure and self-sovereign crypto payment experience. It serves as the primary gateway for engaging with PayFi’s retail ecosystem.

8.1.6 Licensing & API-as-a-Service

PayFi offers its infrastructure via white-labeled APIs to fintech companies, exchanges, and wallet providers seeking to integrate QR payment and POS solutions.

• Use Cases: Crypto wallets, super apps, and e-commerce platforms

• Pricing Model: Tiered licensing fees based on transaction volume, API calls, or monthly active users

• Add-On Features: Developer toolkits, regulatory modules, and merchant analytics

PayFi’s end-to-end architecture ensures that crypto can finally operate as a legitimate, scalable, and regulatory-compliant medium of exchange in the real world.

Supports recurring billing, e-commerce plugins, and stablecoin invoicing.

Feature	Custodial Systems (e.g., Coinbase Commerce, Binance Pay)	Non-Custodial Systems (Pay with Crypto)
Control of Funds	Platform retains control; users rely on third-party	Merchant retains full control of the wallet
Security Risk	Vulnerable to platform breaches or freezes	Less central attack surface
Compliance	Easier to integrate KYC/AML directly	KYC via partners, with on-chain transparency
Flexibility	Often limited to the internal wallet ecosystem	Works with MetaMask, Trust Wallet, etc.
User Trust	It depends on trust in the platform	Based on self-custody principles
Settlement	Funds settled internally may involve a delay	Direct wallet-to-wallet settlement

8.2 PWC Protocol Layer

8.2.1 PWC Wallet

The PWC Wallet is a decentralized, secure, and all-in-one solution designed for both consumers and merchants. Seamlessly integrated with PWC’s POS infrastructure, it enables real-time crypto payments and asset management.

Users retain full control of their private keys, ensuring secure, transparent transactions without third-party custody. With its user-friendly design and direct connection to the PWC protocol, the wallet serves as the gateway to everyday digital finance.

8.2.2 Powered by the XRP Ledger

To deliver real-time, low-cost, and scalable crypto transactions, PWC integrates the XRP Ledger as its core settlement protocol. This decision aligns with our mission to support fast, compliant, and widely accessible payment infrastructure—especially for merchants, travelers, and everyday users.

8.6.3 How It Works

Consensus-Based Validation

Unlike energy-intensive Proof-of-Work (PoW) or stake-weighted Proof-of-Stake (PoS), XRP Ledger uses a consensus protocol involving a network of trusted, independent validators.

• No mining required

• Environmentally friendly

• Finality in 3-5 seconds

PWC Wallet Integration

Every $PWC transaction is processed through a native PWC Wallet, seamlessly connected to the XRP Ledger.

• Instant fund settlement

• Micro-payments and merchant transactions

• Cross-border usability with ultra-low fees

Decentralized & Secure

Validators are geographically and institutionally diverse, making the network resilient and censorship-resistant, while still fast and efficient.