Products and Service Offering
7.1. 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
7.2 POS Devices
Android-based architecture with QR code scanner, NFC, and Wi-Fi/Bluetooth
Device firmware supports EVM-compatible wallets, Layer 2s, and stablecoins.
Embedded security layer using HSM (hardware security module) encryption.
7.3 Soft POS App (coming soon)
Web and mobile SDK with crypto invoice generation
Compatible with WalletConnect, MetaMask, Trust Wallet, and more
PaywithCrypto Card ( coming soon)
Card supports on-the-fly asset conversion via custodial liquidity pool.
User identity is secured with eKYC and 2FA.
API Integrations
Restful APIs with webhook support for instant notifications
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
PWC Protocol Layer
7.6.1 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.
7.6.2 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.
7.6.3 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.
This enables
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.
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