#CryptoIntegration
What “Crypto Integration” Means

Bringing blockchain rails into your product or operations so you can accept, hold, move, account for, and pay out digital assets (usually stablecoins like USDC/USDT). This can be as lightweight as adding a payment button or as deep as building smart-contract logic into your core systems. Payment providers and fintechs now offer “crypto + fiat” rails under one roof, which makes this far easier than it used to be.


Common Integration Patterns (pick 1–3 to start)

Accept crypto at checkout (auto-convert to fiat to avoid volatility). Works via a gateway/PSP, plugin, or API button.

Stablecoin treasury & payouts (B2B, vendors, creators, affiliates). Some PSPs now offer stablecoin accounts alongside ACH/SEPA/wires

Cross-border: settle in minutes, typically with lower processing costs than cards/bank wires; many providers offer instant crypto→fiat.

Token-gated access / loyalty: on-chain passes, points/NFTs for membership and rewards (keep it simple; start custodial).

On-chain data + finance: pull wallet activity into analytics/accounting; reconcile for audit/tax.

Architecture at a Glance

Wallet & keys

Custodial: your provider holds keys; fastest to launch.

Self-custody: you hold keys (HSM or MPC). MPC gives enterprise approvals, spending caps, and policy controls. solulab.


On/Off-ramps: bridge between crypto and bank accounts; look for automated conversion and settlement options.

Compliance: KYC/AML, sanctions, Travel Rule; most gateways embed this and provide merchant controls. (You still own policy.)

Accounting: connect wallets/exchanges to your sub-ledger; ensure proof-of-completeness for audit

Chain & asset choices: start with stablecoins on fast, cheap networks (e.g., Solana/TRON/Ethereum L2); expand only if required.


Provider / Gateway Selection Checklist (2025)

Coverage: supported coins, chains, your countries and KYC levels.

Settlement: auto-conversion (crypto→fiat), payout currencies, cut-off times.

Dev UX: APIs/SDKs, webhooks, plugins (Shopify/WordPress), sandbox.

Security: custody model, MPC/HSM, role-based approvals, audit trails.

Compliance: built-in KYC/AML, Travel Rule support, reporting exports. paypal.com

Accounting: integrations and complete on-chain data capture.
Risk & Controls (non-negotiable)

Policy: which assets you accept, exposure limits, conversion rules (e.g., auto-settle to fiat daily).


Key management: 2+ approvers for spends, per-tx limits, hardware-backed or MPC approvals.

Fraud/AML: block high-risk sources, use allowlists, keep KYB/KYC evidence. paypal.com

Ops: daily reconciliation, exception queues, incident runbooks.

Tax/Accounting: map wallets to GL accounts; lock historical rates & gains/losses.

A Pragmatic 60-Day Rollout

Weeks 1–2 (Scope & choices)

Decide use case (start with accept + auto-convert).

Pick provider; pick 1–2 stablecoins and 1–2 chains. StripeCryptoprocessing

Weeks 3–4 (Build & test)

Implement “Pay with Crypto” button/API; set webhooks for confirmations.

Configure conversion rules and payouts; wire up notifications & refunds. paypal.com

Weeks 5–6 (Controls & accounting)

Set MPC/custody policies, limits, and approvers; connect to accounting. coinsdo.comCryptio

Weeks 7–8 (Pilot & launch)

Private beta with 10–50 users; verify success metrics; then roll out.

KPIs to Track

Acceptance rate (% of crypto checkouts that complete)

Settlement time & cost vs. cards/wires

Auto-conversion coverage (how much exposure remains on books)

Ops load (refunds/chargebacks—crypto has none, but you’ll want a customer-friendly replacement policy)

Quick Start Options

“One-contractor month” approach: add a stablecoin checkout with auto-convert via a major PSP; enable vendor payouts in USDC for cross-border partners; connect an accounting integrator (Cryptio-type) for clean books. StripeCryptio