Crypto payments

Crypto payments are acceptance of payment in cryptocurrency or stablecoins: the buyer pays from their wallet, the transaction is confirmed on the blockchain, your product records the payment and provides the goods/service. Implemented via wallet connection, payment smart-contracts or crypto payment providers. Honestly about 'not a replacement for ordinary payments for the masses', this is key: for a mass audience crypto payments are a barrier, not convenience. Most people do not hold crypto and do not pay with it; they need the usual method (card etc.). Crypto payments make sense when you have a crypto audience, international payments where crypto is genuinely more convenient, or a specific scenario. As the only payment method for an ordinary store this will sharply cut conversion. We honestly assess: for a mass audience crypto payments are at best an additional option. Honestly about volatility: the crypto exchange rate fluctuates strongly. If you accept volatile crypto and do not convert immediately, the ruble amount can change noticeably between payment and withdrawal. Stablecoins reduce this risk but do not remove all questions. We honestly design rate accounting rather than pretend 'crypto = stable money'. Honestly about irreversibility (no chargeback): crypto transactions are irreversible. For you as the seller this is protection against some refund fraud, but for the buyer it is a risk: a wrong address/amount or falling for a scam — the money cannot be returned, and there is no usual 'dispute payment' button. Refunds must be designed manually at the business-logic level. Honestly about fiat withdrawal: accepting crypto is half the job; turning it into rubles in an account is a separate task (on/off-ramp, 1088) with its own fees, limits and regulatory nuances. Honestly about regulation and taxes: the legal and tax status of accepting crypto in Russia is uncertain and changing; this is your and your accountants'/lawyers' responsibility. Honestly about the effect: we give working crypto payment acceptance with rate accounting and confirmations, but not a replacement for ordinary payments, not rate stability and not a solution to regulatory questions. Honestly about access: a crypto audience or a real scenario, withdrawal and regulatory due diligence are needed. An important boundary: this is crypto payment acceptance; wallet — 1077; on/off-ramp to fiat — 1088; DeFi — 1076. The base price starts from 110,000 ₽ (depends on currencies, networks and withdrawal integration).

• You need to accept payment in crypto/stablecoins in the product.
• A crypto or international audience that finds crypto more convenient to pay with.
• You want crypto payments as the only method for an ordinary store (a barrier).
• Volatility, irreversibility and the question of withdrawal to rubles are not accounted for.

• Crypto payment acceptance implementation (wallets, stablecoins, confirmations, accounting)
• Rate and volatility accounting (priority on stablecoins where appropriate)
• An honest assessment: are crypto payments needed or are ordinary ones better
• Manual refund logic (irreversibility, no chargeback)
• A link with fiat withdrawal (on/off-ramp — 1088)
• Honest boundaries (not a replacement for ordinary payments for the masses; volatility; irreversibility/no chargeback; withdrawal is separate; regulation/taxes are on you)
• Documentation and handover
• Review with you

• Working crypto payment acceptance with confirmations and rate accounting
• A crypto payment option for a crypto/international audience
• An honest assessment: for a mass audience ordinary payments are more accessible
• Honest boundaries (not a replacement for ordinary payments; volatility; irreversibility; withdrawal and regulation are separate/on you)

• We assess the audience and scenario (are crypto payments needed and which currencies)
• We implement acceptance, rate accounting, confirmations and refund logic
• We link with fiat withdrawal, honestly set boundaries (regulation, volatility) and hand over to you

• Will crypto payments replace ordinary cards in my store?

  For a mass audience — no, honestly: most people do not hold crypto and do not pay with it, for them it is a barrier. As the only payment method in an ordinary store crypto payments will sharply cut conversion. They are appropriate for a crypto audience, international payments or specific scenarios — as an additional option, not a replacement. We will honestly assess whether you need them rather than force crypto on ordinary buyers.

• I accepted crypto — is it money in my account right away?

  Not right away and with nuances, honestly: first, volatility — the rate can change between payment and withdrawal if it is not a stablecoin (the ruble amount 'floats'). Second, withdrawing crypto to rubles in an account is a separate task (on/off-ramp, 1088) with its own fees, limits and regulatory nuances. We honestly design rate accounting and the withdrawal link rather than pass crypto acceptance off as 'money in the account right away'.

• What if the buyer made a mistake or wants a refund?

  Honestly: crypto transactions are irreversible — there is no usual 'dispute payment'/chargeback button. For you this is protection against some refund fraud, but for the buyer it is a risk: a wrong address/amount or falling for a scam — the money cannot be returned automatically. Refunds must be designed manually at the business-logic level. We honestly build this in rather than pass crypto payments off as ordinary payments with easy refunds.