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Solution: Payment Service Provider

A worked walkthrough for an established payment service provider or merchant acquirer that wants to add stablecoin acceptance to its existing card-based merchant base, without standing up a wallet stack of its own.

The scenario

You operate a payment service provider or merchant acquirer. You already have:

  • A merchant book of business (hundreds to thousands of merchants).
  • An existing onboarding and KYB stack for those merchants.
  • Card-network rails (Visa, Mastercard, local schemes).
  • A regulatory permission to operate as a PSP in your target market.
  • A merchant-facing portal where merchants configure their settlement preferences and view transaction history.

You want to add stablecoin acceptance — typically USDC and USDT — as another payment method alongside the cards you already process. Your merchants opt in to crypto acceptance through your portal; from your perspective, crypto becomes another rail you offer them.

The remainder of this page walks through how a partnership with KryptoGO would let you offer stablecoin acceptance without operating wallet infrastructure or a separate compliance stack.

You are already a regulated payment processor; you are familiar with operating a settlement pool. The right model is custodial Asset Pro for a single platform-level treasury that all merchant settlements land in, plus per-merchant accounting on your side that tracks what each merchant is owed.

You can choose to settle to merchants:

  • In stablecoin (move from the platform pool to a merchant-controlled wallet on a configurable schedule).
  • In fiat (route stablecoin through a partnered settlement corridor and credit the merchant’s bank account on your existing card-payout cadence).

Most PSPs adding stablecoin acceptance operate the latter — their merchants are not crypto-native and want fiat settlement on the same terms they get for card payments today.

Your merchants do not need wallets of their own. They opt in through your portal; you handle the settlement.

Your merchants already authenticate to your portal. They do not authenticate to KryptoGO directly; from their perspective, “stablecoin acceptance” is a feature of your portal. You hold a single Studio API key for your platform that authorises calls into our backend on behalf of all your merchants.

This is the simplest auth model in our catalogue. There is no per-merchant credential, no JWT round-trip, no SDK to embed in a merchant’s checkout. Your existing merchant onboarding is the source of truth; the merchant identity in our system is your platform plus a per-merchant identifier you supply on every payment-intent creation.

Architecture, end to end

┌────────────────────────────────────────────────────────────────┐
│  Your PSP platform                                             │
│                                                                │
│   Merchant opts into stablecoin in your portal                 │
│           │                                                    │
│           ▼                                                    │
│   Merchant's customer hits checkout                            │
│           │                                                    │
│           ▼                                                    │
│   Your backend creates a payment intent (Studio API)           │
│           │                                                    │
│           ▼                                                    │
│   Customer redirected to hosted checkout, or modal renders     │
└────────────────────────────────────────────────────────────────┘
                               │
                               ▼
┌────────────────────────────────────────────────────────────────┐
│  KryptoGO platform                                             │
│                                                                │
│   Customer pays USDC or USDT on the chain you specified        │
│           │                                                    │
│           ▼                                                    │
│   Settled funds land in your platform-pool receive address     │
│           │                                                    │
│           ▼                                                    │
│   HMAC-signed callback to your backend                         │
│           │                                                    │
│           ▼                                                    │
│   Your accounting credits the merchant in your ledger          │
└────────────────────────────────────────────────────────────────┘
                               │
                               ▼
                Settlement to merchant on your normal cadence
                       (fiat or stablecoin)

What ships in under one month

The under-one-month bucket covers the core acceptance integration:

  • Studio organisation set up for your platform; API key issued.
  • Payment-intent creation integrated into your backend.
  • HMAC-signed callback handler on your side, with idempotency and signature verification.
  • A pilot merchant or two routing real traffic through stablecoin acceptance.
  • Reconciliation job mapping settled payment intents to merchant ledger credits.

What ships in one to three months

In the first quarter, you can additionally ship:

  • Fiat off-ramp so that you can credit merchants in fiat on their existing settlement cadence. Routes through a partnered settlement provider; the corridor depends on the merchant’s bank country.
  • Merchant-facing transaction history view in your portal, sourced from the Studio API.
  • Refund flow through your operations team for merchant-originated refunds.
  • AML risk scoring inline on every payment, with policy-driven decision routing for high-risk transactions.
  • Reporting and reconciliation tooling for your finance team.

What needs additional scoping

  • Multi-currency stablecoin acceptance beyond USDC and USDT.
  • Settlement to merchants in stablecoin to their own self-custodied wallet on additional chains.
  • Custom AML rule sets specific to your merchant population.
  • A merchant-facing white-labelled portal where merchants log in to “your platform” but see KryptoGO-powered crypto features.

Compliance posture inherited

You inherit Taiwan VASP, ISO 27001, ISO 27701, SOC 2 Type II, Cure53 audit posture on the underlying custody and payment infrastructure. Your own PSP licence and merchant onboarding remain your responsibility; we supply the layer of infrastructure beneath the stablecoin acceptance feature.

This means: when your regulator asks how stablecoin payments are custodied between settlement and merchant payout, the answer is “in a Taiwan-VASP-regulated custodial account at KryptoGO, encrypted in a managed key vault, with multi-signature operational controls”. For most PSP regulators in our target geographies, this answers the question.

A realistic 8-week timeline

WeeksWorkstream
1Kick-off, security review, paperwork. Studio organisation provisioned.
2API key issued; sandbox creation tested; webhook handler scaffolded.
3First test payment end-to-end in your sandbox. HMAC verification confirmed.
4Reconciliation logic mapping payment intents to merchant ledger entries.
5Pilot merchant onboarded; first real-money traffic.
6Fiat off-ramp integration to selected settlement corridor.
7Merchant-facing transaction history in your portal. Refund operational flow.
8General availability to your full merchant base.

PSP integrations are the fastest archetype in our catalogue. The reason is structural: you are not building a wallet, you are not onboarding end users, you do not have a custody story to tell to your customers. You are adding a payment rail to an existing portal, and that rail happens to settle in stablecoin.

Where to go next

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