powerofvolatility.com
FinTechOptions research
Power of Volatility
An Indian options research platform with four volatility strategies, live market data and paper trading.
Case study · Crypto payments
Send crypto the way
you send a text.
A crypto payment app and merchant gateway where money moves to a mobile number, not a 42-character wallet address. It supports offline payments, gas fees in any token and cross-chain transfers in 50+ currencies.
Paycio40+ countriesiOS, Android + Merchant API
paycio.com
Countries
40+
markets served with local onboarding and KYC
Failed sends
-85%
fewer failed transfers after gas abstraction
Checkout
<5 sec
average time from tap to confirmed payment
Merchant setup
1 day
to go live on the Paycio gateway and API
Figures reflect production performance in the first two quarters after launch.
The starting point
The challenge
01
Wallet addresses scared people off
One wrong character and the money was gone for good. Mainstream users would not risk it for a coffee or a bill.
02
Gas fees in the wrong token
Users held USDT but needed ETH or BNB just to move it. Transactions failed and support queues filled up.
03
Merchants had no simple way in
Accepting crypto meant custom integrations, volatile settlement and zero reconciliation tooling.
04
Security had to match a bank
Regulators, partners and users all expected strict KYC, fraud controls and a clean audit trail from day one.
What we built
Crypto payments that feel
like any other payment app
Pay by mobile number
A phone number resolves to the right wallet on the right chain. Enter the amount, confirm with a PIN, done.
Offline payments
Signed transactions can be created without a connection and broadcast when the device is back online.
Gas in any token
Fees are paid in whichever token the user holds, with swap-to-pay handled silently in the background.
Merchant gateway and API
Checkout links, QR payments, webhooks and settlement reports so businesses can accept crypto in an afternoon.
How it works
From a phone number to a settled payment
What happens in the few seconds after a user taps send.
- 01
Recipient entered
A mobile number or QR code, no wallet address to copy or check.
- 02
Identity resolved
The number maps to a verified wallet and the best chain for the transfer.
- 03
Fees and swaps handled
Gas is paid in the user's token and cross-chain routing is picked automatically.
- 04
Settled and recorded
Transaction confirmed, both sides notified and the ledger updated for reporting.
paycio.com
Stack
React NativeNode.jsSolidityEVM Multi-chainKYC / AML ProvidersPostgreSQLAWS
Results & impact
What changed
after launch
Before
Sending crypto meant copying long addresses, holding the right gas token and hoping nothing went wrong. Merchants mostly stayed away.
After
Users send money to a phone number, fees sort themselves out, and merchants take crypto through a checkout that looks like any other.
Let's build your next
fintech product.
Tell us what you are building. You will get a clear plan, a fixed estimate and a team that has shipped this kind of product before, usually within 3 hours of the call.
Delivered in this engagement
- Consumer wallet apps for iOS and Android
- Merchant payment gateway and API
- KYC, fraud and compliance layer
More work
Keep exploring
meunomeok.com
FinTechDebt renegotiation & data protection
Meu Nome OK
A Brazilian debt renegotiation platform with 12,000+ cases handled and an LGPD-compliant dashboard protecting every record.
nextlm.ai
AISales intelligence
NextLM
An AI prospecting agent that turns 35 billion daily intent signals into a ranked list of ready buyers every morning.