Payonite provides a unified infrastructure layer for businesses to seamlessly convert between crypto and fiat across multiple global providers - all through one integration.
No more juggling Ramp Providers, liquidity partners, compliance requirements, or region-based limitations.
We handle the complexity so you can focus on your product.
1. Unified Crypto ↔ On/Off-Ramp API
One API. Unlimited providers. Smart, automated routing.
Businesses connect to multiple global on-ramp and off-ramp providers through a single standardized API.
What it does
Crypto → Fiat conversions
Fiat → Crypto conversions
Automatic routing to the provider with the lowest fees, best liquidity, and fastest settlement
Global coverage based on country, currency, risk level, and supported payment methods
Transparent fee breakdown
Custom markup by partners
Ideal for
Exchanges, wallets, neo-banks, PSPs, dApps, payment apps, fintechs, crypto businesses.
2. SMART Routing Engine (Provider Aggregation)
Our differentiator. Your secret weapon.
The engine compares all connected providers in real time and selects the best one based on:
Fees
Spread
Payment method availability
Supported assets
Compliance requirements
Risk filters
Settlement time
Geographic requirements
Provider scorecard
This ensures your business / your users always get the most optimal route, without needing to manage multiple integrations.
3. Hosted KYC/KYB & Compliance Layer
Payonite provides a unified compliance experience that adapts to each provider’s rules.
Includes
Hosted KYB/KYC flow for businesses
Automatic provider-to-user matching based on:
• risk tolerance
• geography
• business type
• transaction limitsFast screening (AML, sanctions, PEPs)
Data passed only to the selected provider
Why it matters
You don’t need to integrate each provider’s KYC/KYB.
You collect once - we distribute securely.
4. Wallet Connection & Non-Custodial Flows
Payonite fully supports:
Connect Wallet flows
Non-custodial wallet logic
Direct settlement to user-selected addresses
Address validation
Multi-chain support
Network fee optimization
Wallet creation
This makes the onboarding experience seamless for both Web3-native and Web2 audiences.
5. Merchant & Business Dashboard
A unified, transparent dashboard for managing:
Transactions
Fees
Settlement reports
Payout schedules
Provider health (uptime, fees, performance)
API keys & webhooks
KYB statuses
Routing rules (optional advanced setting)
Ideal for operators who want visibility and control from one place.
6. Settlement & Reporting Automation
Unified settlement reports across all providers
One standardized format
Clear aggregation of fees and markups
Export to CSV, PDF, XLS
API-based reconciliation
Automated payout notifications