Paycrest enables a wide range of payment scenarios across different industries and use cases. From crypto businesses to traditional fintech applications, our protocol provides the infrastructure for seamless cross-border payments.

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Crypto Businesses

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DeFi Payouts

Overview: Enable DeFi protocols to pay out yields and rewards directly to users’ bank accounts. How it works:
  • DeFi protocols integrate directly with Paycrest Gateway contract
  • Users receive stablecoin rewards from yield farming, staking, or trading
  • Protocol automatically converts rewards to fiat and sends to user’s bank account
  • No manual withdrawal process required
Benefits:
  • Automated payout system reduces operational overhead
  • Users receive funds in their preferred local currency
  • Eliminates need for users to manage crypto-to-fiat conversion
  • Improves user experience and retention
  • Direct smart contract integration for better composability
Example Implementation: 
// DeFi protocol payout using Gateway contract
const gateway = new Contract(gatewayAddress, gatewayAbi, signer);

const payoutOrder = await gateway.createOrder(
  usdtAddress,
  parseUnits('150.00', 6),
  rate,
  ZeroAddress,
  0,
  refundAddress,
  messageHash
);

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NFT Marketplace Payouts

Overview: Enable NFT marketplaces to pay out sales proceeds to creators and sellers. How it works:
  • NFT marketplace integrates Paycrest for automatic payouts
  • When NFT sells, proceeds are converted to fiat
  • Funds are sent directly to creator’s bank account
  • Supports multiple currencies and regions
Benefits:
  • Creators receive payments in their local currency
  • Reduces payment processing fees
  • Faster settlement compared to traditional payment methods
  • Global reach for international creators

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Crypto Exchange Offramp

Overview: Provide users with seamless offramp capabilities directly from crypto exchanges. How it works:
  • Exchange integrates Paycrest Sender API
  • Users can sell crypto and receive fiat directly
  • Supports multiple cryptocurrencies and fiat currencies
  • Real-time exchange rates and instant settlement
Benefits:
  • One-click crypto-to-fiat conversion
  • Competitive exchange rates
  • Fast settlement times
  • Global currency support

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Traditional Businesses

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Cross-Border Payroll

Overview: Enable companies to pay international employees and contractors using stablecoins. How it works:
  • Company holds stablecoins for payroll
  • Integrates Paycrest to convert to local currencies
  • Employees receive payments in their preferred currency
  • Automated payroll processing with real-time rates
Benefits:
  • Reduced international transfer fees
  • Faster payment processing
  • Transparent exchange rates
  • Simplified compliance and reporting
Example Implementation: 
// Automated payroll system
const payrollOrder = await paycrest.createOrder({
  amount: '2500.00',
  token: 'USDC',
  network: 'polygon',
  recipient: {
    institution: 'KCB',
    accountIdentifier: '9876543210',
    accountName: 'Sarah Johnson',
    currency: 'KES'
  },
  reference: 'payroll-2024-01-sarah-johnson'
});

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E-commerce Payment Processing

Overview: Enable e-commerce platforms to accept crypto payments and settle in fiat. How it works:
  • Customers pay with crypto at checkout
  • Platform converts to fiat using Paycrest
  • Merchants receive payments in their local currency
  • Real-time conversion with competitive rates
Benefits:
  • Access to crypto-paying customers
  • Reduced payment processing fees
  • Global market expansion
  • Automated settlement process

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Freelancer and Gig Economy Payments

Overview: Streamline payments for freelancers and gig economy workers globally. How it works:
  • Platforms integrate Paycrest for contractor payments
  • Workers receive payments in their local currency
  • Automated payment processing
  • Support for multiple payment methods
Benefits:
  • Faster payment processing
  • Reduced international transfer fees
  • Improved worker satisfaction
  • Simplified platform operations

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Financial Services

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Remittance Services

Overview: Enable remittance companies to offer faster, cheaper international transfers. How it works:
  • Remittance company uses stablecoins for transfers
  • Paycrest converts to local currencies
  • Recipients receive funds in their bank account
  • Real-time settlement and competitive rates
Benefits:
  • Lower transfer fees compared to traditional methods
  • Faster settlement times
  • Transparent exchange rates
  • Global reach with local compliance

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Microfinance and Lending

Overview: Enable microfinance institutions to disburse loans and collect repayments efficiently. How it works:
  • Lenders use stablecoins for loan disbursement
  • Paycrest converts to local currencies for borrowers
  • Repayments can be collected in crypto or fiat
  • Automated payment processing
Benefits:
  • Reduced operational costs
  • Faster loan disbursement
  • Improved repayment tracking
  • Access to unbanked populations

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Gaming and Entertainment

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Gaming Platform Payouts

Overview: Enable gaming platforms to pay out winnings and rewards to players globally. How it works:
  • Gaming platform integrates Paycrest for payouts
  • Players receive winnings in their local currency
  • Supports multiple payment methods
  • Real-time conversion and settlement
Benefits:
  • Global player base support
  • Faster payout processing
  • Reduced payment fees
  • Improved player experience

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Content Creator Payments

Overview: Enable platforms to pay content creators and influencers globally. How it works:
  • Platform uses Paycrest for creator payments
  • Creators receive payments in their local currency
  • Automated payment processing
  • Support for multiple currencies
Benefits:
  • Global creator network
  • Faster payment processing
  • Reduced international fees
  • Simplified platform operations

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Enterprise Solutions

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B2B Payment Processing

Overview: Enable businesses to make international payments to suppliers and partners. How it works:
  • Company holds stablecoins for international payments
  • Paycrest converts to supplier’s local currency
  • Real-time settlement with competitive rates
  • Automated payment processing
Benefits:
  • Reduced international transfer costs
  • Faster payment processing
  • Transparent exchange rates
  • Simplified treasury management

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Treasury Management

Overview: Enable companies to manage international cash flows using stablecoins and Paycrest. How it works:
  • Company holds stablecoins for international operations
  • Paycrest provides conversion to local currencies
  • Automated payment processing
  • Real-time rate management
Benefits:
  • Reduced currency risk
  • Lower transaction costs
  • Faster international payments
  • Simplified cash management

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Integration Examples

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Web Application Integration

// Express.js server with Paycrest integration
const express = require('express');
const crypto = require('crypto');
const app = express();

app.use(express.json());

// Webhook signature verification
function verifySignature(payload, signature, secret) {
  const hash = crypto.createHmac('sha256', secret)
    .update(JSON.stringify(payload))
    .digest('hex');
  return signature === hash;
}

// Webhook endpoint for order updates
app.post('/webhooks/paycrest', async (req, res) => {
  const signature = req.get('X-Paycrest-Signature');
  
  if (!verifySignature(req.body, signature, process.env.WEBHOOK_SECRET)) {
    return res.status(401).send('Invalid signature');
  }
  
  const { event, orderId, status, data } = req.body;
  
  try {
    // Update order status in database
    await updateOrderStatus(orderId, status);
    
    // Send notification to user based on status
    if (status === 'settled') {
      await notifyUserSuccess(orderId, data);
    } else if (status === 'expired') {
      await notifyUserExpired(orderId);
    }
    
    res.status(200).send('Webhook processed');
  } catch (error) {
    console.error('Webhook processing error:', error);
    res.status(500).send('Internal server error');
  }
});

// API endpoint to create payment order
app.post('/api/payments', async (req, res) => {
  try {
    const { amount, recipient } = req.body;
    
    const order = await paycrest.createOrder({
      amount: amount.toString(),
      token: 'USDT',
      network: 'base',
      recipient: recipient,
      reference: `payment-${Date.now()}`
    });
    
    res.json({
      success: true,
      orderId: order.id,
      receiveAddress: order.receiveAddress,
      validUntil: order.validUntil
    });
  } catch (error) {
    res.status(400).json({
      success: false,
      error: error.message
    });
  }
});

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Mobile Application Integration

// React Native payment flow
// Direct API integration

// Direct API integration using fetch
const API_BASE_URL = 'https://api.paycrest.io/v1';
const API_KEY = 'YOUR_API_KEY';

const initiatePayment = async (amount, recipient) => {
  try {
    const response = await fetch(`${API_BASE_URL}/orders`, {
  method: 'POST',
  headers: {
    'Content-Type': 'application/json',
    'API-Key': API_KEY
  },
  body: JSON.stringify({
    amount: amount.toString(),
    token: 'USDT',
    network: 'base',
    recipient: recipient,
    reference: `mobile-payment-${Date.now()}`
  })
});

if (!response.ok) {
  throw new Error(`API request failed: ${response.statusText}`);
}

const order = await response.json();
    
    // Show payment instructions to user
    showPaymentInstructions(order.receiveAddress, order.validUntil);
    
    // Start polling for status updates
    pollOrderStatus(order.id);
    
    return order;
  } catch (error) {
    console.error('Payment initiation failed:', error);
    throw error;
  }
};

const pollOrderStatus = async (orderId) => {
  const checkStatus = async () => {
    try {
      const response = await fetch(`${API_BASE_URL}/orders/${orderId}`, {
  headers: {
    'API-Key': API_KEY
  }
});

if (!response.ok) {
  throw new Error(`Status check failed: ${response.statusText}`);
}

const orderData = await response.json();
const status = orderData.status;
      
      if (status === 'settled') {
        showSuccessMessage('Payment completed successfully!');
        stopPolling();
      } else if (status === 'expired') {
        showErrorMessage('Payment expired. Please try again.');
        stopPolling();
      }
    } catch (error) {
      console.error('Status check failed:', error);
    }
  };
  
  // Poll every 10 seconds
  const interval = setInterval(checkStatus, 10000);
  
  // Stop polling after 5 minutes
  setTimeout(() => {
    clearInterval(interval);
  }, 300000);
};

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Getting Started

To implement any of these use cases:
  1. Sign up for a Paycrest account
  2. Complete KYC/KYB requirements
  3. Get API credentials from your dashboard
  4. Integrate the Sender API using our documentation
  5. Test thoroughly with small amounts ($0.50+)
  6. Go live with production integration
For detailed implementation guides, see our Sender API Integration documentation.