How crypto-to-local-currency payments actually work
Engineering and product writing on the parts of a payment route that are easy to promise and hard to build: conversion, settlement, compliance boundaries and honest quoting.
Most Solana payment bugs are not smart contract bugs. They come from confirming at the wrong commitment level, trusting a client-reported signature, mishandling blockhash expiry, or depending on a single RPC endpoint.
How to present rates, fees, expiry and the landed amount in a crypto-to-local-currency transfer, so the number the recipient receives is never a surprise.
A component-by-component architecture for a Web3 payment rail — wallet layer, routing, verification, state machine, payout integration, and the observability that holds it together.
Technology platform, licensed institution, or both? A clear map of responsibilities for KYC, custody, monitoring and fiat payout in crypto-to-local-currency products.
Stablecoins solve a specific problem in cross-border payments: pre-funding. Here is what they replace, what they do not replace, and the risks that remain.