A separate integration for every network
Addresses, fees, confirmations and event formats differ. Businesses have to account for each network’s specifics.
CRYPTO INFRASTRUCTURE FOR BUSINESS
Let’s build a crypto payment platform.I’ll lead the technical side.
One API for payments, wallets, payouts and conversion. Built-in AML checks and risk management are part of the future platform.
I’m seeking a business co-founder to build a company together: I’ll handle architecture and development; my partner will take on initial funding, the first customers and business development.
Project stage: concept and partner search
- Business → Unified API01
Stores · SaaS · Digital services
- Crypto operations02
Payments · Wallets · Payouts
- Protection and blockchain networks03
AML · Risk policies · Network adapters
A concept for a future platform with AML protection. The commercial product has not been developed yet.
16+years of commercial development
200+positive reviews
FinTech / Blockchain / APItechnical specialisation
THE PROBLEM WE START WITH
Crypto operations shouldn’t be a patchwork of separate integrations.
We plan to bring business payment workflows and risk controls together — from invoicing a customer to paying a partner.
Operations spread across services
Payment acceptance, wallets, payouts and conversion need consistent accounting and clear statuses.
The source of funds needs checking
Links to fraud, hacks and sanctioned addresses can lead to investigations, freezes and losses.
Manual work makes control harder
Repeated requests, underpayments, external API failures and inconsistent data require processing rules and an audit trail.
PRODUCT VISION
One API for all your business crypto infrastructure
Payment acceptance, wallet management, mass payouts, conversion and AML protection in one platform.
Business / MerchantStores, SaaS and digital services
Unified APIOne integration for different blockchain networks
- Crypto payments
- Wallet management
- Mass payouts
AML / Risk assessmentAddress checks, risk signals and processing policies
Blockchain network adapters
- Bitcoin
- Ethereum
- TRON
- Solana
- TON
Also under considerationBaseArbitrum
Potential assets
EXAMPLE: AN ONLINE STORE AND USDT
One payment. Full control from receipt to payout.
The platform brings together crypto acceptance, risk checks, operation accounting and automated settlements.
Conceptual scenario · $500 invoice
- 01
Create a payment
The store creates a $500 invoice through the API. The platform generates payment details and returns a payment link or QR code.
- 02
Customer pays
The customer sends USDT on the selected supported network.
- 03
Detect the transfer
Blockchain Monitor detects the incoming transfer and tracks network confirmations.
- 04
AML check
Analysis of available transaction and related address data produces a risk assessment.
- 05
Make a decision
Acceptable risk and the required confirmations may allow the merchant’s internal balance to be credited. Suspicious operations go to additional review.
- 06
Notify the store
The store receives a webhook with the payment processing result.
- 07
Manage the funds
Keep accounting in the original asset, convert it, prepare a payout or transfer to an agreed address — depending on the architecture and available integrations.
BUSINESS OPPORTUNITY
Businesses need crypto payments. The infrastructure must be convenient and secure.
For companies interested in crypto payments, integrating networks, managing wallets, controlling risks and organising payouts on their own makes adoption harder. The future platform should bring these processes together. We’ll validate demand and the priority segment together.
E-commerce
Online stores accepting cryptocurrency from customers.
SaaS & Digital Services
Online services, subscriptions and digital products.
FinTech & Payment Providers
Companies that need crypto infrastructure through an API.
Platforms & Marketplaces
Platforms that need mass payouts, operation accounting and risk controls.
The value we’ll validate with customers
- One integration instead of several
- Less complexity in maintaining blockchain infrastructure
- Automated payments and payouts
- Centralised operation control
- Built-in AML screening tools
- The ability to scale payment workflows
PLANNED CAPABILITIES
Capabilities of a unified platform
These capabilities describe our vision for the future platform. MVP priorities will be set after validating demand and regulatory requirements.
01
Unified crypto API
A fast, stable and convenient interface for core business operations is a goal of the future architecture.
Planned features
- REST API and webhooks
- Idempotent operations
- Automatic tracking of transactions and payment statuses
- Wallet management and mass payouts
- API keys with restricted permissions
- Detailed documentation
- Developer sandbox
- SDKs for popular programming languages
02
Multiple networks and currencies
One integration for working with multiple cryptocurrencies and blockchain networks.
Planned features
- Potential networks: Bitcoin, Ethereum, TRON, Solana, TON, Base and Arbitrum
- Potential assets: BTC, ETH, USDT, USDC, SOL and TON
- A unified interface that accounts for each network’s specifics
- Additional assets as the platform evolves
Supported networks and assets have not been decided. This preliminary list is not a promise to support every cryptocurrency.
03
Checking the origin of crypto funds
AML Protection helps assess source-of-funds risks. Protecting keys and access is the responsibility of the separate Wallet Security capability.
Planned features
- Address and transaction analysis
- Identifying links to high-risk sources
- Risk scoring
- Sanctions risk screening
- Automated risk policies
- Additional review of suspicious payments
- AML check history
- Compliance reports
- External AML provider integrations
AML does not guarantee the absence of risky incoming funds or prevent wallet hacks. Internal crediting decisions depend on the architecture.
04
Wallet protection and access control
Wallet Security protects asset management infrastructure: keys, access and transaction execution.
Planned features
- Secure private key management
- Separation of duties
- Outgoing transaction limits
- Approval of critical transfers
- Recipient address controls
- Protection against duplicate transaction submission
- Suspicious activity monitoring
- Operation audits
- Access policies for financial functions
Key storage and signing mechanisms will be determined after choosing a custody model.
05
Wallet management
Unified infrastructure for addresses, balances and outgoing operations with access controls.
Planned features
- Generating customer and dedicated deposit addresses
- Tracking incoming funds and managing balances
- Preparing outgoing transactions
- Network fee control
- Linking addresses and operations to customers and invoices
The custody model has not been chosen. Holding customer assets depends on the legal and technical model.
06
Payments and invoices
Payment workflows for online stores, SaaS and digital services.
Planned features
- Creating payment invoices and links
- Payment QR codes
- Automatic payment confirmation
- Tracking underpayments and overpayments
- Managing invoice expiry
- Payment notifications and payment history
- CRM and online store integrations
07
Mass payouts
Automating payouts to partners and contractors while keeping each operation under control.
Planned features
- Batch transaction processing
- Recipient address validation
- Managing queues and operation limits
- Status tracking and reporting
- Retrying technical failures without duplicating transfers
An uncertain submission outcome requires blockchain reconciliation, not blindly resending a transfer.
08
Balance conversion
Payment in one asset and valuation in another through partner integrations selected after research.
Planned features
- Accepting payments in supported cryptocurrencies
- Valuation in a selected currency
- Conversion through liquidity providers
- Displaying exchange rates and fees
- Managing currency balances
The availability and terms of automatic conversion will be determined after researching liquidity, legislation and partner integrations.
09
Merchant dashboard
One interface for incoming payments, outgoing payouts and operational control.
Planned features
- Overview statistics and balances
- Incoming payments and outgoing payouts
- AML risks and operation history
- API key management
- Webhook and notification settings
- Report exports
10
Machine-to-machine payments
Programmable payments between SaaS services, API platforms, AI agents and business systems.
Planned features
- Programmable payment limits
- Operation authorisation rules
- Auditing automated settlements
- Integration into cross-service business processes
A future development direction, not a mandatory feature of the initial MVP.
PRINCIPLES OF THE FUTURE PLATFORM
More than crypto processing
Four principles for building the product and validating its value for businesses.
Versatility
One API instead of separate integrations with each blockchain network.
API-first
A unified programming interface for different blockchains and financial operations.
Security
Built-in AML checks, risk policies and controls for critical operations.
Risk-aware Payments
Risk controls are built into the payment lifecycle. Key and access protection is handled separately from assessing the source of funds.
Automation
We plan to connect payments, payouts, wallets and notifications in automated workflows with manual review of exceptions.
Operational Reliability
Idempotency, queues, reconciliation, partial failure handling and recovery after errors.
Infrastructure approach
A platform integrated into existing business processes, not just a payment form.
Extensible Architecture
Adding networks and payment workflows without redesigning the whole system is an architectural goal.
EXPERIENCE YOU CAN EXPLORE
Architecture expertise for the future platform
16+ years of commercial development and four public architecture projects: payment accounting, wallets, blockchain operations and business automation.
The technical side of this project does not start from scratch. There is already experience in designing financial accounting, managing blockchain wallets, processing transactions and building fault-tolerant integrations.
Architecture project01
P2P FinTech Architecture
A P2P platform architecture case study: financial states, internal accounting and a dedicated TON / Jetton operations service.
- Balance reservation and ledger
- Idempotency and database locks
- Operation reconciliation and recovery
For the future product
For the payment core and payouts: reserving funds, preventing duplicate credits, reconciling and recovering operations.
Architecture project02
Solana Wallet Manager Architecture
Architecture for managing Solana wallets and SOL / SPL transfers: from financial intent to network confirmation.
- Atomic reservations and outbox
- Uncertain RPC outcomes
- Signature-based reconciliation and key protection
For the future product
For wallet management and payouts: controlled signing, handling uncertain RPC responses and confirming outcomes against blockchain data.
Architecture project03
TON Custody Architecture
TON / Jetton infrastructure architecture: custody, asset accounting, DEX operations, deposit events and recovery.
- Deposits, withdrawals and reservations
- DEX quotes, slippage limits and confirmation
- Outbox, secure API and reconciliation
For the future product
For blockchain adapters and conversion research: operation lifecycles, quote controls and reliable event delivery. The new product’s custody model has not been chosen yet.
Architecture project04
Commerce Operations Architecture
An architecture case study of a book commerce platform: inventory, catalogue, orders and marketplace synchronisation.
- Services, queues and external APIs
- Limits, retries and partial failures
- State reconciliation and manual review
For the future product
For the merchant dashboard and integrations: background processes, external API limits, partial failure handling and operational reconciliation.
TECHNICAL CO-FOUNDER
I’ll take responsibility for technical delivery
Andrey Zubar
Backend developer · Systems architect
I’m ready to take responsibility for technical architecture, MVP development and the product’s evolution — from the data model to reliable integrations.
Client reviews- Over 16 years of commercial development
- Over 200 positive reviews
- Custom CRM development
- API and external service integration
- Business process automation
- FinTech and blockchain integrations
- Complex backend system design
My contribution: engineering ownership
Architecture, code, technical security and development management. We’ll validate business hypotheses and product priorities together.
TWO ROLES. ONE COMPANY.
Seeking a business co-founder, not a client
The technical founder and architecture expertise are already in place. I’m looking for a partner with the experience, resources and willingness to own the commercial side: validating the hypothesis and launching a company together.
My responsibilities
Technical Co-Founder
- Architecture
- Backend
- Blockchain
- API
- Security
- MVP development
- Technical leadership
Partner’s responsibilities
Business Co-Founder
- Initial-stage funding
- Business development
- Finding the first customers
- Partnerships
- Regulatory strategy
- Legal structure
- Operations management
- Commercialisation
I’m looking for neither a development client nor a passive investor, but a partner ready to build a company together, share responsibility and participate in strategic decisions.
Partnership terms
Equity, financial commitments and legal terms are discussed individually.
THE FIRST 90 DAYS TOGETHER
Where we’ll start together
I’m not proposing an immediate investment in building a large platform. First, we’ll validate demand, economics and legal feasibility.
Days 1–30
Market Validation
- Define the initial customer segment
- Interview potential customers
- Study competitors
- Identify the most in-demand features
- Test interest in AML protection as added value
OutcomeBusiness hypotheses provisionally supported or disproved.
Days 31–60
Business & Compliance
- Choose a potential jurisdiction
- Research regulatory requirements
- Determine a permissible model for handling funds
- Estimate AML provider costs
- Research liquidity providers
- Prepare a preliminary financial model
OutcomeAn assessment of commercial and legal feasibility.
Days 61–90
MVP Definition
- Define the minimum feature set
- Select the initial blockchain networks
- Design the MVP architecture
- Estimate development and infrastructure costs
- Agree on the founders’ responsibilities
- Decide whether to start development
OutcomeAn agreed delivery plan or a reasoned decision not to pursue the project.
90 days is a guideline for testing the hypothesis, not a guaranteed timeline. This is not a promise to deliver a working crypto processor in 90 days.
After validating the hypothesis
If the decision is positive: MVP development, then a pilot with a limited number of business customers once legal and technical requirements are met. Further features and scaling depend on confirmed demand.
BUSINESS HYPOTHESIS
Let’s validate the business value together
The hypothesis: businesses will pay for one API, automated payments and payouts, centralised accounting and tools to assess the source of funds. We’ll test which workflows are in demand and justify the infrastructure cost.
No monetisation model has been chosen. Each option requires validation of demand, costs and regulatory constraints. Pricing, profitability and volume projections have not been defined.
TRANSPARENT STATUS
Where the project stands
Technical experience and a preliminary concept are in place. The next step is finding a partner and validating the business hypothesis.
| Area | Status |
|---|---|
| Product concept | Preliminary concept defined |
| Technical experience | Available |
| Public architecture projects | Available |
| Business model | Needs validation |
| Legal model | Not defined |
| Commercial MVP | Not developed |
| Business co-founder | Seeking a partner |
LET’S START A CONVERSATION
Have experience launching a FinTech business? Let’s discuss a partnership.
If you have experience growing a technology business, understand financial products and are ready to take responsibility for the commercial side, let’s discuss launching this project together.
Message on Telegram@ifwcom
Tell me about your experience, interest in the project and the role you’re ready to take on.
Propose a partnership
A few words about you and your potential contribution.