Payment orchestration platform with smart routing, real-time fraud detection, and autonomous optimization
Non-custodial stablecoin payments straight to your wallet
Stage
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Founded
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Based in
TR
AE
Pricing model
Contact for pricing
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Pricing
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1% of each payment taken on-chain in the same transaction. No setup fee, monthly fee, payout fee or chargeback fee. Escrow releases: +1%. Marketplace splits: +0.5%. Referrals: earn 20% of the referred business's fees for 12 months.
Key features
Adaptive AI routing to select the bank with highest approval rate for each transaction
Cascading failover that automatically retries failed transactions with alternate banks within seconds
Rule engine to define payment policies in readable DSL with shadow mode testing
Card tokenization with PCI DSS scope minimization and hosted fields
Real-time fraud and risk scoring with device intelligence and behavioral anomaly detection
Automated reconciliation with end-of-day settlement file matching
Support for 20+ banks and payment service providers including Stripe, Adyen, and Turkish banks
3D Secure 2.1 and 2.2 support with automatic step-up triggering by risk score
Cost-first routing with fee calculation in less than 2 milliseconds
Immutable audit trail and explainable routing decisions with reason codes
Hosted checkout supporting USDT, USDC, DAI, PYUSD, USDe and USD1
Pay from exchange: direct payments from Binance, OKX or Bybit without a wallet
In-store payments: any phone or tablet as a terminal, counter QR codes and Cashier role
Subscriptions billed every week, month or year with optional free trials
Marketplace splits: distribute payments to up to 10 sellers
Escrow and multi-signature approvals for secure transactions
Payment links for invoices and direct sharing
Dashboard with live payments, daily totals and CSV exports
Team roles: owners, admins, viewers and cashiers with two-factor authentication
API, Node and browser SDKs with signed webhooks
What makes it different
Single API integration to 20+ banks eliminates wiring up banks individually
AI model learns from every transaction and adapts routing in real-time
Transparent routing decisions versus black-box alternatives
Idempotent core ensures payments are never charged twice
Money goes directly to your wallet in the same transaction: no custodian holding funds
Payments go through audited on-chain contracts that execute the split automatically
Support for six blockchains and six stablecoins from a single integration
Lunixi
Bitopayments