BlockTranche: Crypto Payment Service Processor

Stripe charges 2.9% per transaction and demands KYC from sellers. Crypto-native buyers walk past anything that asks for either, and a meaningful slice of every consultant's TAM walks with them. CryptoPay lets a service operator accept BTC, ETH, and USDT direct into their own wallets, with no processor cut, no platform account, and no funds held in third-party custody.

The problem it solves

A consultant doing $50,000 a year in service revenue hands roughly $1,500-$2,000 to card processors every year, then waits 2-7 business days for each payout to settle. Stripe takes 2.9% plus $0.30 per transaction, PayPal layers on a 0.5% currency-conversion margin on cross-border sales, and both reserve the right to freeze a seller's account on suspicious volume patterns, a routine occurrence for anything adjacent to Web3, OSINT, or privacy-sensitive work.

Worse, both processors silently exclude the buyers most likely to pay premium rates. DeFi participants, Web3 builders, and serious crypto holders refuse to liquidate ETH to fiat for a $499 consulting session. They want the option to pay in crypto, and they bounce from checkouts that don't offer it. The standard alternative, SaaS crypto-payment processors like Coinbase Commerce, BitPay, and NOWPayments, reintroduces 1-1.5% platform fees, ties the seller to a custodial wallet that can be frozen, and re-adds a third-party logo to the checkout that the buyer was specifically trying to avoid.

Who needs this most

• Solo consultants and coaches charging $200-$5,000 per engagement to crypto-native clients — founders, traders, Web3 builders — who feel the pain at the end of every month when 3-5% of revenue has quietly become processor fees and a $4,000 payout has been in review since Tuesday.
• Operators of premium digital services (gated newsletters, paid Telegram channels, access-controlled communities, online courses) selling to a global audience where Stripe's geography rules silently kill 8-15% of checkouts.
• Service businesses adjacent to Web3, OSINT, security research, or jurisdictional advisory where card processors flag accounts on routine volume and a frozen Stripe balance costs more than a month of operating revenue.

The solution — in plain terms

A buyer lands on the store, picks a service, fills in their name plus an email or Telegram handle, and chooses BTC, ETH, or USDT. They see a unique wallet address with a QR code and the exact amount to send. Once the payment hits the blockchain and confirms, they see the operator's custom fulfillment message — a calendar link, an access code, a download URL, whatever the operator wants to deliver. End-to-end, the buyer never creates an account, never gives a card number to anything, and never sees a third-party logo on the checkout page.

Each order generates its own wallet address, so there is no amount-matching problem — the system knows exactly which payment belongs to which buyer. A background monitor polls BlockCypher, Etherscan, and TronGrid every 60 seconds, watches for incoming transactions, counts confirmations, and flips the order to confirmed once it clears the configured threshold (BTC 2 confirmations, ETH 12, USDT 19). The buyer's payment page updates live over a WebSocket — they do not have to refresh, and they do not get stuck wondering whether the payment landed. An admin panel gives the operator full visibility: revenue by currency, revenue by service, the full order pipeline, wallet balances, and one-click sweep to a corporate wallet.

The whole stack drops onto a low-end VPS as three Docker containers. No SaaS account, no platform terms of service, no processor that can suspend the operator's livelihood.

Value delivered — what you get

• Recovers $1,500-$2,000 per year on a $50,000 consulting practice — no 2.9% processor cut, no per-transaction fee, no currency-conversion margin on cross-border sales.
• Settles payments in minutes instead of business days — BTC clears in roughly 20 minutes, ETH in 3 minutes, USDT in 1 minute, every payment direct to the operator's own wallet with no holding period.
• Removes the KYC ceiling on the seller side — accept payments globally without giving a processor the right to freeze the operator's account based on transaction volume, industry tags, or risk-model adjustments.
• Eliminates checkout drop-off for crypto-native buyers — buyers who refuse to liquidate crypto to fiat for a $499 service now have a payment method that fits, and the operator stops losing the top 10-20% of their TAM at the payment step.
• Replaces $300-$500 per year in SaaS crypto-payment processor fees (Coinbase Commerce, BitPay, NOWPayments) — same blockchain rails, none of the platform skim, none of the custodial risk.
• Keeps funds in wallets the operator controls, not a processor's custody — no exchange-style insolvency risk, no T+N withdrawal window, no platform that can hold a seller's working capital hostage.

Where it delivers outsized value

• Solo consulting and coaching businesses serving crypto-native clients — the seller's buyers prefer paying in BTC or stablecoin, and the seller has zero appetite for processor KYC overhead or volume-triggered account freezes.
• Privacy-sensitive digital services — OSINT operators, security researchers, threat-intel feed publishers, jurisdictional advisors — where a frozen Stripe account is an existential threat and self-custody of revenue is table-stakes.
• Cross-border digital-service businesses selling into regions where Stripe or PayPal coverage is thin, geo-restricted, or hostile to crypto-adjacent merchant categories — MENA, parts of LATAM, jurisdictions where card processors flag the seller's vertical on principle.

Distinctive features — why this over the alternatives

• Unique address per order — every order spins up its own wallet at creation time. No send-exactly-this-amount-to-a-shared-address pain; reconciliation is bulletproof and refunds stay isolated.
• Custom fulfillment text per service — the post-payment message is whatever the operator wants: a Calendly link, an access code, a Telegram invite, a download URL, a passphrase. One install sells consulting hours, paid access, digital downloads, and subscription tiers side by side.
• Live payment status over WebSocket — buyers watch their transaction move from waiting to detected to confirmed in real time on the same page. Cuts the post-checkout support burden roughly in half by killing the where-is-my-payment ticket category.
• 30-minute payment window with locked exchange rate — prices are stored in USD, converted to crypto at order time using a CoinGecko quote, then frozen for the window. Protects both sides from intra-checkout volatility without forcing the seller to publish crypto-denominated prices.
• Encrypted private-key storage with one-click sweep — order-specific wallets are persisted with Fernet-encrypted private keys, tied back to balance views in the admin panel, and movable to a corporate wallet from one screen.
• Self-hosted with no external dependencies beyond three blockchain RPC APIs — runs on one VPS, ships in Docker, no SaaS account anywhere in the critical path. The operator owns the entire payment surface end-to-end.

Under the hood — built to last

The backend is FastAPI on Python 3.11 with SQLAlchemy 2.0 async over PostgreSQL 15 — proven foundations that will still be running in five years. Blockchain integration is split across three RPC providers (BlockCypher for BTC, Etherscan plus Alchemy RPC for ETH, TronGrid for USDT TRC-20), each isolated behind its own monitor class so swapping a provider is a one-file change. Wallet private keys are encrypted at rest with Fernet before they ever touch the database. The frontend is Next.js 15 and React 19 with TailwindCSS, deployed as a standalone build. The whole stack stands up on a low-end VPS as three Docker containers, with interactive setup, start, monitor, and cleanup scripts so an operator without DevOps background can run it.

Current maturity

CryptoPay is feature-complete across the five build phases in the project's implementation plan: backend scaffolding, blockchain monitors, admin panel, public storefront, and DevOps tooling are all working. Roughly 6,800 lines of code split between FastAPI Python (around 3,000 LOC, 12 service files plus three blockchain monitors) and Next.js TypeScript (around 3,000 LOC, including a 1,579-line admin panel covering dashboard, orders, services, wallets, and analytics tabs). The codebase was assembled as a tight, single-purpose tool over February-March 2026, last touched 2026-03-08, and is positioned as a deployable product for a single operator rather than a multi-tenant SaaS. Honest framing: this is BETA-stage operator tooling, not a publicly hosted reference instance — the deliverable is a working tool that a buyer drops into their own infrastructure, not a service the architect operates on their behalf.

Roadmap — what's next

The next milestone is packaging CryptoPay as a turnkey deployment — wrapping the existing setup wizard into a 10-minute provisioning experience on common VPS providers, hardening the admin panel for non-technical operators, and adding the optional payment methods the market most often asks for (additional ERC-20 stablecoins, Solana USDC, and Lightning Network for sub-$50 services where on-chain fees would dominate). The medium-term direction is a managed-deployment offering for sellers who want the no-middleman economics without standing up a VPS themselves — same self-custody guarantees, none of the operational burden.

Working with the architect

CryptoPay is available in three engagement modes. A consultant or service operator can commission a custom deployment — branded, configured to their store, with corporate wallets and fulfillment flows tuned to their offerings. A team already running a service-sales site can extend their existing stack with this payment layer alongside their current checkout. And operators standing up their own crypto-payment rails can engage in strategic advisory on architecture, blockchain-monitor design, and the trade-offs between self-hosted and SaaS crypto-payment processing. Reach out via sintegrium.io or LinkedIn for a 30-minute scoping call.

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Built by Yurii Staryk · Solution Ecosystem Architect