Free 30-min Web3 Consultation
Book Consultation
Smart Contract Security Audits
View Audit Services
Custom DeFi Protocol Development
Explore DeFi
Full-Stack Web3 dApp Development
View App Services
Free 30-min Web3 Consultation
Book Consultation
Smart Contract Security Audits
View Audit Services
Custom DeFi Protocol Development
Explore DeFi
Full-Stack Web3 dApp Development
View App Services
Free 30-min Web3 Consultation
Book Consultation
Smart Contract Security Audits
View Audit Services
Custom DeFi Protocol Development
Explore DeFi
Full-Stack Web3 dApp Development
View App Services
Free 30-min Web3 Consultation
Book Consultation
Smart Contract Security Audits
View Audit Services
Custom DeFi Protocol Development
Explore DeFi
Full-Stack Web3 dApp Development
View App Services
LABS
Services

Real-Time Fiat Conversion Engine

A high-performance engine that dynamically sources liquidity from multiple DEXs and CEXs to execute crypto-to-fiat conversions at the moment of card authorization, optimizing for cost and speed.
Chainscore © 2026
overview
CORE SERVICE

Smart Contract Development

Secure, production-ready smart contracts built by Web3 experts to power your protocol.

We architect and deploy audit-ready smart contracts for DeFi, NFTs, and enterprise applications. Our team specializes in Solidity 0.8+, Rust (Solana), and Vyper, implementing battle-tested patterns from OpenZeppelin and Solmate.

  • Custom Logic: DEXs, lending protocols, NFT marketplaces, and DAO governance.
  • Security-First: Formal verification, comprehensive unit/integration testing, and pre-audit reviews.
  • Gas Optimization: Achieve up to 40% lower gas costs through efficient storage and computation patterns.
  • Full Lifecycle: From design and development to mainnet deployment and post-launch monitoring.

We deliver production-grade code with a 99.9% uptime SLA and documented security practices, reducing your time-to-market by weeks.

key-features-cards
ENTERPRISE-GRADE INFRASTRUCTURE

Core Engine Capabilities

Our Real-Time Fiat Conversion Engine is built on battle-tested infrastructure, designed for high-volume, secure, and compliant financial operations. Each component is engineered to deliver measurable business outcomes.

01

Multi-Chain Settlement Layer

Direct, on-chain settlement across Ethereum, Polygon, Arbitrum, and Base. Eliminate bridge risks and reduce transaction latency by settling directly on the target network.

< 2 sec
Avg. Settlement Time
0.1%
Max Slippage
02

Bank-Grade Compliance Engine

Automated AML/KYC screening, transaction monitoring, and sanctions compliance integrated directly into the payment flow. Built to meet global regulatory standards (FATF Travel Rule, MiCA).

99.99%
Screening Accuracy
< 50 ms
Check Latency
03

Real-Time FX & Liquidity Aggregation

Dynamic routing across 50+ liquidity providers and OTC desks to source optimal fiat rates. Continuous price discovery ensures you never overpay for conversion.

50+
Liquidity Pools
5-15 bps
Typical Spread
05

Sub-Second API & Webhook System

RESTful API with WebSocket support for real-time balance updates and transaction status. Get instant confirmation webhooks for seamless user experience.

< 100 ms
API P99 Latency
99.9% SLA
Uptime
06

Automated Reconciliation & Reporting

End-to-end transaction tracing with immutable audit logs. Automated daily settlement reports and real-time dashboards for finance and compliance teams.

24/7
Audit Trail
PCI DSS
Data Standard
benefits
DELIVERABLES

Business Outcomes for Your NeoBank

Our Real-Time Fiat Conversion Engine delivers measurable infrastructure improvements that directly impact your bottom line and user experience.

01

Instant Settlement & Liquidity

Eliminate settlement delays with sub-second fiat-to-crypto and crypto-to-fiat conversions. Access deep, aggregated liquidity pools to execute large orders with minimal slippage.

< 1 sec
Avg. Settlement
24/7/365
Market Access
02

Reduced Operational Overhead

Replace manual banking integrations and reconciliation with a single, automated API. Slash engineering and compliance costs associated with managing multiple payment rails and partners.

80%
Lower Dev Time
1 API
Unified Integration
03

Enterprise-Grade Security & Compliance

Deploy with confidence using our SOC 2 Type II compliant infrastructure. Built-in AML/KYC checks and transaction monitoring ensure regulatory adherence across jurisdictions.

SOC 2
Compliance
0
Security Incidents
04

Faster Time-to-Market

Launch new markets and payment corridors in weeks, not months. Our pre-built connectors for global banks and licensed exchanges accelerate your product roadmap.

< 4 weeks
Deployment
50+
Pre-built Corridors
05

Enhanced User Retention

Offer seamless, predictable pricing with no hidden fees. Real-time rate transparency and reliable execution build trust and reduce user churn.

40%
Higher Retention
0%
Hidden Fees
06

Scalable Global Infrastructure

Handle spikes in transaction volume with 99.9% uptime SLA. Our multi-region, fault-tolerant architecture supports your growth from startup to enterprise scale.

99.9%
Uptime SLA
10k+
TPS Capacity
The Infrastructure Trade-Off

Build vs. Buy: The Real-Time Conversion Decision

A detailed comparison of the total cost, risk, and time associated with developing a real-time fiat on/off-ramp in-house versus leveraging Chainscore's production-ready engine.

Key FactorBuild In-HouseBuy with Chainscore

Time to Market

6-12+ months

4-8 weeks

Initial Development Cost

$250K - $600K+

$50K - $150K

Ongoing Annual Maintenance

$150K - $300K

Optional SLA ($30K - $75K)

Security & Compliance Risk

High (unaudited, self-managed)

Low (audited, SOC 2 compliant)

Payment Provider Integrations

Manual (Stripe, Plaid, etc.)

Pre-integrated & managed

FX & Liquidity Management

Your team's responsibility

Managed by Chainscore

Smart Contract Audit Coverage

Your cost & timeline

Included & regularly updated

Uptime & Reliability SLA

Your responsibility

99.9% guaranteed

Regulatory Updates (Travel Rule, AML)

Your legal team's burden

Handled by our compliance layer

Team Composition Required

5-10+ Sr. Engineers, Legal, Ops

1-2 Integration Engineers

how-we-deliver
PROVEN PROCESS

Our Delivery Methodology

We deliver production-ready fiat on-ramps with a structured, transparent approach that minimizes your time-to-market and technical risk.

01

Architecture & Integration Design

We map your specific payment corridors and user flows to design a compliant, scalable integration. This includes selecting optimal PSPs, defining settlement logic, and planning for KYC/AML data flows.

2-3 days
Design Sprint
5+ PSPs
Integrated
02

Smart Contract Development

Our engineers build secure, gas-optimized smart contracts for fund routing, escrow, and settlement. All contracts follow OpenZeppelin standards and are written in Solidity 0.8+.

100%
OpenZeppelin
2 audits
Security Layers
03

Backend & API Development

We develop the core engine: transaction orchestration, webhook handlers for PSP events, real-time rate aggregation, and a fully documented REST/WebSocket API for your frontend.

< 100ms
API Latency
99.9% SLA
Uptime
04

Compliance & Security Hardening

We implement mandatory KYC checks, fraud detection rules, and transaction monitoring. The entire system undergoes internal security review and is prepared for external audit.

SOC 2
Framework
0 Critical
Vulnerabilities
05

Staging & Client Testing

We deploy to a dedicated staging environment with testnet funds and sandbox PSP accounts. You receive full access to test end-to-end flows, review dashboards, and approve the build.

2 weeks
Testing Window
Live Support
During UAT
06

Production Deployment & Handoff

We manage the production deployment, configure live PSP keys, and set up monitoring/alerting. The complete codebase, documentation, and operational runbooks are delivered to your team.

< 1 day
Go-Live
24/7
Monitoring
Tier Comparison

Technical Specifications & Performance

Compare the capabilities and support levels of our Real-Time Fiat Conversion Engine packages to find the right fit for your transaction volume and compliance requirements.

FeatureStarterProfessionalEnterprise

Real-Time FX Rates

Multi-Currency Support (USD, EUR, GBP)

USD Only

USD, EUR, GBP

USD, EUR, GBP + 5 Custom

Transaction Throughput

Up to 100 TPS

Up to 1,000 TPS

10,000+ TPS

On-Ramp Integration (Card/Bank)

1 Provider

3 Major Providers

Custom Multi-Provider

Compliance & KYC Engine

Basic Rules

Advanced AML + Geo-Rules

Full Custom Rule Engine + Audit Trail

Settlement Finality

< 60 seconds

< 30 seconds

< 5 seconds

Uptime SLA

99.5%

99.9%

99.99%

Technical Support

Email (Business Hours)

24/7 Chat & Email

24/7 Dedicated Engineer

Smart Contract Audit Report

Shared

Private + Attestation

Private + Continuous Monitoring

Implementation & Onboarding

Self-Serve

Guided (2 weeks)

Full Managed (Custom Timeline)

Starting Price (Monthly)

$2,500

$12,000

Custom

Real-Time Fiat Conversion Engine

Frequently Asked Questions

Get clear answers on how our engine integrates, scales, and secures your on-ramp and off-ramp operations.

Typical integration takes 2-3 weeks from kickoff to production. This includes API integration, compliance checks, and a pilot transaction phase. We provide a comprehensive SDK and documentation to accelerate your development team's work.

ENQUIRY

Get In Touch
today.

Our experts will offer a free quote and a 30min call to discuss your project.

NDA Protected
24h Response
Directly to Engineering Team
10+
Protocols Shipped
$20M+
TVL Overall
NDA Protected Directly to Engineering Team