Merchant Acquiring
Scenario-based onboarding, order matching and reconciliation. Multiple acquiring rails with MCC-level compliance controls.
GLOBAL PAYMENT INFRASTRUCTURE
Cross-Border Value Flow
Compliant, Transparent, Trustworthy
UnityPay connects acquiring, compliance screening and licensed institution execution through a decoupled architecture, enabling cross-border merchants to move value with clear jurisdictional boundaries and verifiable settlement paths.
Fiat Acquiring → VA Buffer → Compliant OTC Routing → USDC Settlement
DECOUPLED ARCHITECTURE
Four-Stage Compliant Fund Flow
Each stage is executed by a separately accountable institution, with physical isolation between fiat and crypto flows — the core design principle of compliance.
01
Business Verification
KYC / KYB & Trade Background
Onboarding with scenario-based eligibility assessment, order matching and reconciliation. Genuine trade documentation verified at entry point to establish lawful transaction basis.
→02
Fiat Acquiring
Card & Alternative Payments
Payments collected through licensed acquiring channels using standard MCC codes. Funds settle to dedicated virtual accounts (VA), creating a temporal and spatial buffer.
→03
Compliant Routing
MSO ↔ Licensed OTC Partners
The MSO handles fiat settlement only. Licensed OTC institutions independently execute stablecoin conversion under their own compliance obligations — no commingling.
→04
Partner Execution
Settlement & Wallet Ecosystem
Stablecoins delivered directly to client self-custody wallets. The platform never takes possession — settlement is cryptographically verifiable on-chain.
Physical separation — no commingling of flows or institutions
CORE CAPABILITIES
End-to-End Capability Stack by Fund Flow Stage
Six capability modules spanning the full lifecycle from merchant onboarding to settlement completion, each aligned with a specific compliance boundary.
Compliant Deposit & Exchange
Independently executed by licensed partner institutions. Fiat-to-stablecoin conversion under separate legal entities with clear audit trails.
MPC Non-Custodial Wallet
Built on 2-of-3 threshold signature model. Platform can never unilaterally move client assets — security is architecturally guaranteed, not promised.
On-Chain Finance Access
Connect to stablecoin and RWA product markets. Settlement rails extend from fiat channels into regulated on-chain liquidity venues.
Account & Payout Routing
Partner-governed routing with transparent, auditable paths. Multi-rail payout options matched to destination jurisdiction requirements.
Risk & Continuous Monitoring
Transaction-level risk controls embedded throughout the business flow. Sanctions screening, anomaly detection and ongoing counterparty due diligence.
COMPLIANCE FRAMEWORK
Compliance Built Into the Product Design
Compliance is not an add-on — it shapes every decision from licensing scope to architecture to how client assets are handled.
Canada MSB Registration
Registered with FINTRAC under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act. This registration serves as the AML prerequisite for our fiat payment routing services and does not constitute government endorsement.
Retail Payment Services
Acknowledging the PSP registration requirements under the Retail Payment Activities Act administered by the Bank of Canada, with ongoing monitoring of regulatory developments.
Risk-Based Control Framework
Full-scope obligations including KYC, KYB, sanctions screening, FATF Travel Rule compliance, transaction monitoring and applicable 24-hour suspicious transaction reporting.
Clear Boundary Statement
We do not provide investment advice, promise yield, hold client assets on balance sheet, accept deposits, issue security tokens, or engage in trade matching. Every boundary is stated, auditable and enforced.
Important Notice
MSB registration is an AML compliance prerequisite — not a comprehensive financial licence, not an official endorsement, and not an authorisation to engage in deposit-taking, banking or securities business.This platform provides payment routing and software technology services only. It does not provide investment advice or guarantee asset performance. All virtual asset exchange and related financial services are independently provided by appropriately licensed institutions and remain subject to formal agreements and permitted scope. Services and availability vary by jurisdiction, client eligibility and partner coverage.
MPC NON-CUSTODIAL SECURITY
Non-Custodial by Architecture, Not by Promise
The 2-of-3 threshold signature model ensures that no single party — neither the platform nor any external actor — can unilaterally move client assets. This is a structural guarantee, not a policy statement.
📱
Shard 1
User Device
One key shard resides on the end user's device. The platform has zero visibility into this shard — it is generated and stored entirely under user control.
⚙
Shard 2
Policy Service
A second shard is held by a co-signing policy engine that enforces transaction rules — velocity limits, whitelist checks, time windows — before any signature can proceed.
🔑
Shard 3
Independent Recovery
A third shard is held by an independent recovery provider. It is never active in normal operations and only used under a predefined disaster recovery protocol.
⌁
The threshold is 2-of-3. The platform holds at most one shard at any time. Assets can never be moved without explicit user consent.
RISK & MITIGATION
Key Operational Risks — And How We Address Them
Each risk is identified, assessed and mitigated through concrete architectural, legal and operational measures — not hand-waving.
Risk
Trade Background Authenticity
Fictitious or inflated trade documentation weaken the lawful basis for cross-border payments.
Strategy
Mandatory submission and verification of genuine trade documents at onboarding. Transaction-level reconciliation with order and logistics data. Continuous post-transaction sampling and audit.
Risk
OTC Third-Party Deposit Restrictions
OTC desks may restrict or reject deposits from third-party sources, creating settlement friction for VA-funded conversions.
Strategy
Pre-vetted OTC partners with explicit third-party deposit policies. Dedicated virtual account architecture ensures clean fund provenance before conversion routing.
Risk
Repeated KYC Friction
Merchants face redundant KYC/KYB processes across multiple service layers, increasing drop-off and operational cost.
Strategy
Once-verified, multi-use identity architecture. Compliance data is structured for reusability across partner institutions with consent, reducing duplication while maintaining audit integrity.
Risk
SFC Regulatory Boundaries
Hong Kong SFC licensing requirements impose clear red lines around virtual asset activities that must not be crossed.
Strategy
Strict functional separation: the MSO handles fiat only. Virtual asset exchange is exclusively executed by SFC-licensed (or equivalent) partners under their own regulatory perimeter.
API & Integrations
One API, Multiple Rails
Clear, reliable and auditable interfaces for acquiring, routing and settlement — designed for integration teams that demand certainty.
Versioned REST API
Stable, versioned REST endpoints with sandbox access, integration support and comprehensive documentation.
Reliable Webhooks
Idempotent webhook delivery with automatic retry. Critical payment events arrive reliably — no silent failures.
Encrypted Data Transfer
Compliance-required information is encrypted in transit and at rest, aligned with data protection requirements.
Multi-Rail Routing
Configure payment routing rules by jurisdiction, amount threshold and currency pair. Programmatic control over settlement paths.
Audit & Reconciliation
Structured transaction logs with cryptographic integrity. Every state transition is queryable and verifiable.
POST /v1/settlement_routes
{
"source": "USD",
"destination": "USDC",
"amount": 25000,
"webhook_url": "https://...",
"idempotency_key": "req_..."
}
→ 200 OK settlement route createdGLOBAL COVERAGE
Local Rules, Global Reach
Compliance-presence across 6 key financial hubs, each with defined licensing scope and vetted partner coverage.
CanadaUnited KingdomHong KongSingaporeCayman / BVIUnited States
Canada
FINTRAC MSB · PSP registration pathway
United Kingdom
Global sanctions screening alignment
Hong Kong
MSO licence · Clear fiat-only scope
Singapore
Asia hub · MPC technology architecture
Cayman / BVI
Independent tech entity · Risk isolation
United States
Cross-border rails · FATF standards
Services and availability vary by jurisdiction, client eligibility and partner coverage, and are independently performed by locally licensed institutions.
E-Commerce
Multi-Currency Acquiring
Game Publishing
Global Payouts
Trade Services
Compliant Settlement
Web3 Projects
On-Chain Access
We design a matching acquiring and settlement architecture — whatever your vertical.
LET'S TALK
Run Your Cross-Border Flows Through Compliance First
Tell us about your acquiring markets, transaction scenarios and settlement needs. We'll assess available rails, compliant partner coverage and the right onboarding path — no obligation, no vague promises.