Build stablecoin payments into the product itself.
We design the complete system around a crypto transaction: checkout, provider integration or dedicated wallets, backend state, blockchain events, reconciliation, treasury workflows and operator controls.
Provider-managed settlement or custom on-chain infrastructure — selected after architecture discovery, not before it.
SYSTEM / READY
PAYMENT INTENT / SOURCE OF TRUTH
Managed rail
CoinGate / CASP API
Native rail
Dedicated wallets
Business layer
Ledger + reconciliation
Payment assets
USDC + stablecoins
Assets and networks selected by jurisdiction, provider support and product requirements.
Delivery models
Managed or custom
Integrate a regulated provider or build native wallet and blockchain payment infrastructure.
Product scope
End-to-end
Checkout, backend, callbacks, confirmations, ledger, reconciliation and operator tooling.
Settlement
Fiat or digital assets
Provider-led fiat settlement or treasury workflows designed around the target operating model.
What we mean by crypto payments
A payment button is the smallest part of the system.
A production stablecoin payment system connects user intent with a reliable business state. It must know what is being paid for, which amount is expected, whether the blockchain transaction is final, how it maps to an invoice or order, and what happens operationally after the payment arrives.
We treat blockchain as a payment rail. The product still needs its own ledger, state machine, reconciliation and operational controls.
01 / INTENT
Payment intent and pricing
Create a deterministic payment request tied to an invoice, order, subscription or account, with a clear source-of-truth currency and expiry rules.
02 / RAIL
Provider or wallet execution
Route the payment through a managed checkout such as CoinGate or generate dedicated on-chain payment addresses when the product requires native blockchain control.
03 / STATE
Confirmation and internal ledger
Convert provider callbacks or blockchain observations into idempotent product events instead of treating a wallet balance as the application state.
04 / OPS
Settlement and reconciliation
Connect successful payments to accounting, refunds, treasury, payouts, reporting and a searchable operator audit trail.
Two architectures
Choose the payment rail around the business model — not the other way around.
Both models can deliver a native user experience. The difference is where custody, conversion, transaction processing and operational responsibility live.
Provider-managed crypto payments
Integrate CoinGate or another appropriate crypto payment provider while keeping pricing, product state, customer experience and reconciliation inside your application.
BEST FOR
Fast production rollout, fiat settlement, international invoices, SaaS and commerce.
Hosted or embedded crypto checkout
Provider order creation and payment links
Callbacks, idempotency and payment status
Refund and exception workflows
EUR/fiat or crypto settlement configuration
Provider-to-ledger-to-bank reconciliation
Custom on-chain payment infrastructure
Build wallet allocation, transaction detection, confirmation logic and treasury workflows as a native part of the platform architecture.
BEST FOR
FinTech, marketplaces, account-based products, treasury workflows and platforms with complex on-chain state.
Dedicated deposit addresses or embedded wallets
Chain listeners, indexers and RPC redundancy
Token, network and amount validation
Confirmation and reorganisation handling
Internal accounting ledger
Sweeping, treasury and operational controls
Architecture rule: For most SaaS, B2B and commerce products we start with a managed provider. We move to custom wallet infrastructure when payment behavior is part of the core domain model or requires deeper control.
Execution and state
From customer intent to an auditable payment state.
The happy path is easy. Production architecture is about preserving a correct business state when callbacks repeat, transactions arrive late, networks fail or the received amount is not exactly what the product expected.
Managed provider flow
01
Create payment intent
The application stores invoice/order context and creates a provider order using the business amount as the source of truth.
02
Open crypto checkout
The provider presents the currently supported asset and network options and returns a dedicated payment experience.
03
Verify callback
Backend verifies provider notifications, handles retries idempotently and retrieves authoritative order state when needed.
04
Credit product ledger
A confirmed provider payment becomes an internal payment event tied to the original business object.
05
Reconcile settlement
Provider order, internal ledger, provider settlement and bank/treasury movement are matched in one audit trail.
Custom on-chain flow
01
Allocate payment address
Generate or assign a dedicated address for a customer, order or account without exposing treasury keys to the application layer.
02
Observe blockchain
Detect token transfers using RPC/indexer infrastructure with checkpointing so missed blocks can be replayed safely.
03
Validate and confirm
Verify network, token contract, amount, destination and confirmation policy before the product credits the payment.
04
Commit ledger entry
Write an immutable internal event and update the product balance or invoice state exactly once.
05
Sweep and reconcile
Move funds according to treasury policy while keeping payment acceptance independent from downstream sweep success.
Blockchain balance is not the product balance.
A wallet balance does not explain which invoice a transfer belongs to, whether the business accepted it, whether it was already credited, or what operational action should happen next. That is why the application needs an independent ledger and explicit state transitions.
Where crypto payment implementations break
Most failures happen between the transaction and the business process.
The blockchain can be working perfectly while the product records the wrong state. We design edge cases before rollout so exceptions do not become manual accounting incidents.
RISK / 01
Duplicate callbacks or events
The same provider notification or blockchain event is processed more than once.
Double credit or inconsistent invoice state
RISK / 02
Underpayment and overpayment
The received amount differs from the payment intent because of user error, expiry or pricing rules.
Unclear settlement and manual intervention
RISK / 03
Wrong token or network
A customer transfers an unsupported asset or uses a different chain than the expected route.
Funds arrive but cannot be automatically credited
RISK / 04
Late confirmation
A transfer appears after an order expired or after the application changed the expected state.
Payment exists without a valid business decision
RISK / 05
Provider or RPC outage
Callbacks, API access or blockchain nodes become temporarily unavailable.
Missed events unless the system can replay and reconcile
RISK / 06
Treasury failure coupled to payment
Sweeping or conversion fails after the customer has already paid successfully.
A downstream operation incorrectly invalidates a valid payment
Every payment path must be replayable, observable and explainable to an operator without reading raw blockchain logs.
Engineering scope
The infrastructure around the transaction is what makes payments operable.
We combine product engineering, payment orchestration and blockchain integration so commercial and operational teams can work from one consistent state.
Payment architecture
Domain model, trust boundaries, provider selection, network strategy and settlement flows.
Managed vs custom decision
Source-of-truth currency
Failure-mode modelling
Payment orchestration backend
Typed APIs and state machines that connect orders, invoices, provider objects and blockchain transactions.
Idempotent processing
Retries and recovery
Webhook verification
Wallet and key boundaries
Dedicated addresses, signer separation, custody integrations and least-privilege operational access.
Deposit architecture
MPC/custody integration
Treasury boundaries
Blockchain observation
Reliable transaction detection with confirmation policies, replayability and explicit chain state.
RPC/indexer strategy
Confirmation engine
Reorg handling
Stablecoin integration
Token and network validation around supported stablecoins and provider capabilities.
USDC payment paths
ERC-20 validation
Network configuration
Reconciliation and back office
Searchable payment history connecting business records, provider state, blockchain transactions and settlements.
Exception queues
Refund workflows
Accounting exports
Monitoring and alerts
Operational signals for stuck payments, provider failures, chain lag and reconciliation drift.
Payment SLOs
Provider health
Ledger mismatch alerts
Payment testing
Sandbox, testnet and production-like scenarios covering both happy paths and financial edge cases.
Callback replay
Wrong-asset scenarios
Settlement reconciliation
Delivery process
Architecture first, payment rail second.
We start from the commercial and accounting flow, then select the smallest architecture that gives the product the control it actually needs and fits the regulatory constraints confirmed for the target market.
Payment discovery
Map customers, invoice/order model, currencies, target countries, expected assets, settlement needs and operational exceptions.
OUTPUT / payment domain map
Architecture decision
Compare managed provider and custom wallet models, define trust boundaries and select networks, providers and custody assumptions.
OUTPUT / architecture decision record
Core integration
Implement payment intents, provider/wallet adapters, callbacks or chain observation, status machine and internal ledger.
OUTPUT / working payment rail
Operations layer
Build reconciliation, refunds, exception queues, audit trail, admin tooling and accounting integrations.
OUTPUT / operational control plane
Failure testing
Exercise duplicated events, delayed confirmations, wrong assets, provider outages and settlement drift before launch.
OUTPUT / production readiness report
Launch and observability
Release with monitored limits, payment dashboards and a clear process for incidents and reconciliation exceptions.
OUTPUT / observable production system
Typical technology layers
A payment stack that remains understandable after launch.
The exact stack depends on custody, networks and the existing product. These are representative layers rather than a fixed vendor checklist.
PRODUCT
Application and checkout
Customer-facing payment choice, invoices, orders, account balance and payment status.
ORCHESTRATION
Payment service
Provider adapters, intent state machine, idempotency, callbacks, jobs and business rules.
RAILS
Provider and blockchain
Managed crypto payment APIs or direct network access depending on architecture.
FINANCE
Ledger and reconciliation
Internal accounting state, settlement matching, audit events and exports.
OPS
Security and observability
Secrets, signer boundaries, provider health, transaction monitoring and alerting.
Proof / NDA case studies
Two payment architectures. Both implemented around real product constraints.
The client identities and commercial data remain confidential. We publish the architecture, failure modes and engineering decisions that can be disclosed without breaching the NDA.
CASE 01 / MANAGED
USDC payments with CoinGate and managed settlement
A provider-managed payment rail with product-owned payment intents, idempotent callbacks, an internal ledger and reconciliation from business document to settlement.
CASE 02 / CUSTOM
Custom wallet infrastructure for on-chain stablecoin payments
Dedicated deposit addresses, checkpointed chain observation, validation and finality, a product ledger, exception handling and a separate treasury sweep workflow.
Commercial proof / architecture boundaries
A payment integration is credible when the boundaries are explicit.
We separate the product, payment-provider and blockchain responsibilities so commercial teams can understand what is being delivered and engineering teams can operate it safely.
PROOF / NDA
Two payment architectures documented
NDA case studies cover both a CoinGate-managed USDC rail and a custom on-chain model with dedicated deposit addresses, confirmation logic, ledger and treasury.
STATE / OWNED
Business state stays in the product
Payment intents, invoice/order references, accepted status transitions, refunds and reconciliation remain product-owned rather than depending on a single callback.
PROVIDER / EU
Provider status is checked, not assumed
For CoinGate projects we design against the current provider API and its EU authorisation status instead of treating a gateway logo as a compliance shortcut.
Bank of Lithuania — UAB DecentralizedEXIT / PORTABLE
Architecture is not the provider contract
The orchestration boundary keeps core pricing, customer identity and accounting state portable if a provider, chain or settlement model changes later.
Softech designs and integrates the software system. Regulated crypto-asset services, custody, exchange and settlement remain with the selected authorised provider where the product model requires them.
Authority layer / implementation guides
Go deeper than the checkout integration.
Our stablecoin payment knowledge hub documents the decisions that usually determine whether a payment system remains reliable after launch: architecture ownership, provider integration, ledger design and reconciliation.
PILLAR / USDC
How to Accept USDC Payments in Your Product
The complete architecture guide: commercial source of truth, managed gateway, custom on-chain infrastructure, finality, ledger and reconciliation.
DECISION / RAIL
Gateway vs Custom Wallet Infrastructure
A responsibility-first framework for choosing between a managed crypto payment provider, product-owned wallets or a hybrid architecture.
GUIDE / COINGATE
How to Integrate CoinGate into SaaS or B2B
Orders, hosted checkout, callbacks, state mapping, idempotency, refunds, provider ledger and settlement reconciliation.
SYSTEM / LEDGER
Internal Ledger for Stablecoin Payments
Why wallet balance is not product balance — and how to model immutable payment events, customer credit, refunds and treasury separation.
OPS / RECON
Stablecoin Payment Reconciliation
Match business orders, provider or blockchain evidence, product ledger, fees, refunds, treasury movements and final settlement.
High-intent implementation paths
Start from the integration problem you actually need to solve.
These focused implementation pages turn the broader service into a concrete delivery path for a specific buying intent.
USDC / PRODUCT
USDC payment integration
Add USDC checkout or on-chain payment acceptance to an existing SaaS, marketplace, commerce or B2B product.
COINGATE / API
CoinGate integration
Integrate CoinGate orders, hosted checkout, callbacks, authoritative status checks, refunds and settlement reconciliation.
WALLETS / CUSTOM
Crypto wallet development
Move beyond a managed gateway with embedded or programmatic wallets, deposit addresses, signing policy and treasury operations.
FAQ
Questions teams ask before accepting stablecoins.
The right architecture depends more on the operating model than on the token itself.
Yes. We can add CoinGate as a payment rail while keeping your existing invoice, order, subscription and customer models. We typically build a payment orchestration layer so provider-specific state does not leak across the rest of the product.
When the selected provider and account configuration support fiat settlement, the product can be priced in a business currency while the customer pays with USDC. We design the application around the invoice or order amount as the source of truth and reconcile the provider settlement separately.
Not necessarily. A managed payment provider is often the better starting point when you primarily need crypto checkout and settlement. Dedicated wallets make sense when deposits, balances, treasury or on-chain behavior are part of the core product.
Yes. We can design dedicated deposit-address infrastructure, but wallet ownership, signing and custody must be selected deliberately. The application should never expose treasury private keys or rely on raw wallet balances as its internal accounting model.
We can design for multiple digital assets where they are appropriate and supported by the chosen provider, network and target jurisdiction. For EU-focused projects we evaluate current regulatory and provider support before selecting which stablecoins appear in the payment experience.
No. We design software architecture and can integrate regulated providers and compliance tooling. Legal, tax and accounting treatment should be confirmed with qualified advisers for the relevant company and jurisdiction.
Build the payment system around the business
Bring us your invoice flow, target markets and settlement model. We will design the payment rail around them.
Start with architecture discovery for a CoinGate integration, a custom wallet system or a product that needs to combine stablecoin payments with existing fiat workflows.