Crypto Processing
About
White-Label Crypto Processing is a ready enterprise infrastructure for companies that want to accept, process, and manage crypto payments under their own brand. The product is designed as a real white-label solution, not a basic payment gateway or pseudo-white-label SaaS tool. It allows businesses to deploy the processing core inside their own infrastructure, keep full control over private keys, manage API checkout under their own domain, and avoid hidden turnover-based fees. The platform supports BTC, ETH, TRX, and USDT, including ERC-20 and TRC-20 networks. It is built for businesses that need reliable crypto payment flows, predictable Total Cost of Ownership, and stronger control over liquidity, branding, transactions, and customer experience.
Challenge
Many businesses want to add crypto payments, but the market often gives them weak options. In-house crypto processing can take 6–18 months and require high development costs. Enterprise products may cost more than $100K, while SaaS providers often look cheaper at the start but take 0.5%–2% from every transaction and reduce margins as volume grows. Another problem is control. Many pseudo-white-label solutions redirect users to third-party domains, move funds through provider nodes, limit UI customization, and keep the provider visible in the payment flow. Businesses needed a faster and more controlled way to launch crypto processing, with their own checkout, their own smart contracts, their own infrastructure, and no hidden fees from turnover.
Scope of Work
We developed White-Label Crypto Processing as a non-custodial enterprise infrastructure that gives businesses full control over payments, keys, checkout, branding, and transaction flows.
- Product Architecture
We designed a three-layer architecture with a Core API, crypto network layer, and smart management module.
The Core API supports account and sub-account creation, API key authorization, operation filtering, and transaction history.
The crypto network layer supports Bitcoin, Ethereum, Tron, USDT ERC-20, and USDT TRC-20.
The smart management layer supports temporary wallet pools and service wallets for fund aggregation.
- On-Premise Deployment
We prepared the platform for deployment inside the client’s isolated infrastructure.
This gives businesses direct control over the processing environment, private keys, data flows, and security policies.
- Non-Custodial Payment Flow
We implemented a model where funds move directly from the customer to the business infrastructure.
ilink provides the software, while the business keeps control over liquidity and private keys.
- API Checkout and Brand Control
We created a direct API checkout that works on the client’s website without redirecting users to third-party domains.
This helps businesses keep users inside their own branded flow and avoid conversion losses caused by external payment pages.
- Wallet Generation and Transaction Lifecycle
We implemented temporary wallet generation for customers, deposit tracking, off-chain balance reflection, automatic fund sweeping, service wallet aggregation, and withdrawal to cold storage.
This structure helps businesses process deposits efficiently while maintaining operational control.
- Enterprise Security
We added isolated key pair generation, local key mapping inside the client’s infrastructure, cryptographic signing for outgoing transactions, and isolation of temporary deposit addresses from main liquidity pools.
The architecture is also prepared for AML, KYC, and KYT provider integrations.
- Target Segment Adaptation
We designed the product for high-risk and iGaming businesses, PSPs, e-commerce platforms, and marketplaces.
Each segment gets clear business value: chargeback protection, mass payouts, API integration, provider invisibility, checkout without redirects, transaction automation, and better payment control.
- Integration Timeline
We structured implementation around a 4-week Go-Live timeline.
- Week 1 covers server audit, on-premise deployment, core setup, and UI/UX branding.
- Week 2 covers smart contract deployment and API integration with the client’s billing system.
- Week 3 covers sandbox transaction testing, off-chain transfer checks, and aggregation testing.
- Week 4 covers Mainnet launch, key transfer, and full control handover to the business.
Technologies and Tools
Results
What We Did
White-Label Crypto Processing gives businesses their own crypto payment core without the cost, timeline, and dependency risks of building everything from scratch. The platform helps companies keep control over payments, protect margins, improve checkout conversion, and scale crypto payment operations with predictable costs.
Key business results include:
- Faster Time-to-Market
Businesses can launch crypto processing in 2–4 weeks instead of spending 6–18 months on in-house development.
- Lower Total Cost of Ownership
The fixed-cost model helps companies avoid turnover-based fees that can reach 0.5%–2% per transaction in pseudo-white-label SaaS solutions.
- Full Control Over Funds
The non-custodial model allows businesses to keep control over private keys, smart contracts, liquidity, and cold storage.
- Higher Payment Conversion
Direct API checkout keeps users on the business website without redirects to third-party domains.
- Stronger Brand Ownership
Businesses can customize the checkout UI/UX, manage API keys, and run payment flows under their own domain.
- Better Margin Protection
There are 0% hidden turnover fees, which helps businesses preserve profitability as transaction volume grows.
- Enterprise-Level Security
Isolated wallet generation, cryptographic transaction signing, local key management, and separation of deposit addresses reduce operational and security risks.
- Better Fit for High-Volume Businesses
The solution supports mass payouts, internal off-chain transfers, wallet aggregation, and direct control over payment infrastructure.
- Clear Value for PSPs, iGaming, and E-commerce
PSPs can expand their payment offering with crypto without sending clients to another provider. iGaming businesses can reduce chargeback exposure and support mass payouts. E-commerce platforms and marketplaces can add crypto checkout without redirecting users away from the site.
- Scalable Payment Infrastructure
The platform gives businesses a foundation for long-term crypto payment growth, with predictable costs and infrastructure ownership.
Backend:
- NGINX;
- Docker;
- TypeScript;
- NestJS;
- NX;
- Redis;
- RabbitMQ;
- NATS;
- GraphQL;
- REST;
- WSS;
- Webpack;
- Swagger;
- Docusaurus;
- PostgreSQL.
Frontend:
- React;
- Vite;
- Tailwind CSS;
- GraphQL Apollo Client;
- NextUI;
- Bignumber.js;
- Effector;
- Effector Forms;
- Patronum;
- i18next;
- qrcode.react;
- React Router;
- React Toastify.
Related Cases
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1ndex Neobank is a modular API-first digital banking platform that helps businesses launch neobank, fintech, embedded finance, and crypto-enabled products faster. It combines fiat banking, crypto infrastructure, BaaS API, compliance tools, ready-made web and mobile interfaces, and a unified back-office in one scalable ecosystem. The platform is designed to reduce Time-to-Market from traditional long enterprise cycles to a faster 2–4 month launch model.
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