Use Cases

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Crypto Businesses

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DeFi Payouts

• 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

• 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

// 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
);

​

NFT Marketplace Payouts

• 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

• Creators receive payments in their local currency
• Reduces payment processing fees
• Faster settlement compared to traditional payment methods
• Global reach for international creators

​

Crypto Exchange Offramp

• 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

• One-click crypto-to-fiat conversion
• Competitive exchange rates
• Fast settlement times
• Global currency support

​

Traditional Businesses

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Cross-Border Payroll

• 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

• Reduced international transfer fees
• Faster payment processing
• Transparent exchange rates
• Simplified compliance and reporting

// 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'
});

​

E-commerce Payment Processing

• 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

• Access to crypto-paying customers
• Reduced payment processing fees
• Global market expansion
• Automated settlement process

​

Freelancer and Gig Economy Payments

• Platforms integrate Paycrest for contractor payments
• Workers receive payments in their local currency
• Automated payment processing
• Support for multiple payment methods

• Faster payment processing
• Reduced international transfer fees
• Improved worker satisfaction
• Simplified platform operations

​

Financial Services

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Remittance Services

• Remittance company uses stablecoins for transfers
• Paycrest converts to local currencies
• Recipients receive funds in their bank account
• Real-time settlement and competitive rates

• Lower transfer fees compared to traditional methods
• Faster settlement times
• Transparent exchange rates
• Global reach with local compliance

​

Microfinance and Lending

• Lenders use stablecoins for loan disbursement
• Paycrest converts to local currencies for borrowers
• Repayments can be collected in crypto or fiat
• Automated payment processing

• Reduced operational costs
• Faster loan disbursement
• Improved repayment tracking
• Access to unbanked populations

​

Gaming and Entertainment

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Gaming Platform Payouts

• Gaming platform integrates Paycrest for payouts
• Players receive winnings in their local currency
• Supports multiple payment methods
• Real-time conversion and settlement

• Global player base support
• Faster payout processing
• Reduced payment fees
• Improved player experience

​

Content Creator Payments

• Platform uses Paycrest for creator payments
• Creators receive payments in their local currency
• Automated payment processing
• Support for multiple currencies

• Global creator network
• Faster payment processing
• Reduced international fees
• Simplified platform operations

​

Enterprise Solutions

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B2B Payment Processing

• Company holds stablecoins for international payments
• Paycrest converts to supplier’s local currency
• Real-time settlement with competitive rates
• Automated payment processing

• Reduced international transfer costs
• Faster payment processing
• Transparent exchange rates
• Simplified treasury management

​

Treasury Management

• Company holds stablecoins for international operations
• Paycrest provides conversion to local currencies
• Automated payment processing
• Real-time rate management

• Reduced currency risk
• Lower transaction costs
• Faster international payments
• Simplified cash management

​

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
    });
  }
});

​

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);
};

​

Getting Started

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