NUSDpay provides enterprises with secure, compliant, and efficient cryptocurrency payment infrastructure. Through a unified API and admin console, merchants can easily implement cryptocurrency Payin, Payout, and fund management. NUSD is the USD stablecoin of the NUSDpay platform, serving as the unified pricing and settlement unit within the platform. After exchange rate conversion, the various cryptocurrencies received by the merchant (USDT, USDC, etc.) are credited to the merchant wallet denominated in NUSD.

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Who uses NUSDpay?

NUSDpay’s users are merchants — that is, enterprises that need to send and receive cryptocurrency in their business. By integrating NUSDpay’s API, merchants can provide cryptocurrency payin and payout capabilities to their own end users. 
Merchant (you)  ←→  NUSDpay platform  ←→  Blockchain network  ←→  End user (your customer)

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Core Capabilities

Payin

Merchants integrate the NUSDpay Payin API to obtain dedicated deposit addresses. After end users pay to the address, the funds are credited to the merchant wallet in NUSD after exchange rate conversion. Supports multiple chains and tokens with real-time Webhook notifications.

Payout

Merchants integrate the NUSDpay Payout API to initiate on-chain transfers (USDT/USDC) to end users’ wallet addresses from their NUSD wallet balance. Supports flexible fee models with built-in risk control review.

Settlement

Merchants settle their NUSD balance into USD fiat currency, which is wired directly to the bound bank account. Supports review workflows with real-time exchange rate conversion.

Fund Management

Real-time balance queries, inter-project fund transfers (NUSD), and frozen/available balance separation. The admin console provides complete transaction queries and an analytics dashboard.

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Supported Chains and Tokens

NUSDpay currently supports the following public chains and tokens:
ChainTokenPayinPayoutEstimated Confirmation Time
EthereumUSDT, USDC✅✅~2 minutes
TronUSDT✅❌~1 minute
ArbitrumUSDT, USDC✅✅~30 seconds
PolygonUSDT, USDC✅✅~30 seconds
BSCUSDT, USDC✅✅~30 seconds
BaseUSDT, USDC✅✅~30 seconds
Supported chains and tokens are continually being expanded. You can also query the latest information via the Get Supported Chains and Get Supported Tokens APIs.

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Product Architecture

NUSDpay’s fund flow covers the complete pipeline from payin to settlement:
NUSDpay fund flow architecture diagram
Fund Inflow (Payin): NUSDpay generates a dedicated deposit address for the merchant, which the merchant provides to end users. After the end user pays, the funds are credited to the merchant wallet in NUSD after exchange rate conversion. Fund Management (Wallet System): The merchant’s balance is divided into available balance and frozen balance. The available balance can be used for transfers, Payout, or settlement; when an operation is initiated, the corresponding amount enters the frozen state. Fund Outflow — Payout (On-Chain Payment): The merchant initiates on-chain transfers (USDT/USDC) from the NUSD balance to end users’ wallet addresses via API. Fund Outflow — Settlement (Fiat Withdrawal): The merchant settles their NUSD balance into USD fiat currency, which is wired directly to the merchant’s bound bank account. Fund Allocation — Transfer: The merchant transfers NUSD between different project wallets without involving on-chain transactions.

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Admin Console

NUSDpay provides a full-featured admin console, including:
  • Analytics Dashboard: Visualized reports on payin trends, payment KPIs, customer rankings, token distribution, etc.
  • Transaction Management: Multi-dimensional query and filtering of deposit records, payment records, and transfer records
  • Balance Management: Real-time balance overview, available / frozen breakdown
  • Fund Transfer: Inter-project fund allocation with review workflow support
  • Settlement Management: NUSD → USD fiat settlement, bank account binding, settlement history, and review process
  • Analytics Dashboard includes a settlement overview (Payin settlement amount/count trends) and a Payout withdrawal overview
  • Ticket System: Ticket workflow for exceptions such as mistaken deposit refunds

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Use Cases

E-commerce platforms integrate the NUSDpay Payin API to display cryptocurrency payment options to buyers on the checkout page. After the buyer pays, the funds are credited to the merchant wallet in NUSD, and the merchant can settle with suppliers via Payout.
Enterprises top up stablecoins into their NUSDpay wallet and use the Payout API to disburse salaries and revenue shares in bulk to the wallet addresses of employees or partners.
OTC desks or exchanges integrate NUSDpay as a settlement channel. Using Payin to receive customer deposits, transfers for fund allocation, and Payout to handle customer withdrawals, they achieve a complete fund loop.
By integrating the NUSDpay Checkout H5 page, merchants can provide a seamless cryptocurrency payment experience to end users without building their own payment frontend.

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Security and Compliance

  • API Authentication: Based on Ed25519 signatures + nonce-based anti-replay protection
  • Risk Control Framework: Built-in AML/KYC review, address whitelisting, transaction limits, and other layered risk controls
  • Fund Security: Cold/hot wallet separation and multi-signature mechanisms to safeguard funds
  • Audit Traceability: All operations are traceable and support compliance audits

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Next Steps

Quick Start

Complete API integration in 5 steps and start processing your first transaction.

Payout Solution

Learn about the complete payout flow, fund flow, and fee model.