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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 Payment Routing Sub-Account Infrastructure

We engineer dynamic payment routing systems that automatically direct transactions between internal sub-accounts and external rails based on real-time liquidity, cost, and speed parameters.
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 that form the foundation of your dApp. Our development process is built on security-first principles using Solidity 0.8+ and OpenZeppelin libraries, ensuring your core logic is robust and upgradeable.

  • Custom Logic: From ERC-20 tokens and ERC-721 NFTs to complex DeFi vaults and governance systems.
  • Gas Optimization: We write efficient code to reduce user transaction costs by up to 40%.
  • Full Testing Suite: Comprehensive unit and integration tests with >95% coverage before audit.
  • Deployment & Verification: Automated deployment scripts and immediate source code verification on Etherscan and other explorers.

We deliver a complete, documented codebase in 2-4 weeks, ready for external audit and mainnet launch.

key-features-cards
ENTERPRISE-GRADE

Core Capabilities of Our Routing Infrastructure

Our sub-account routing infrastructure is engineered for fintechs and Web3 companies requiring high-volume, low-latency payment orchestration. We deliver the reliability and programmability you need to scale.

01

Real-Time Payment Orchestration

Dynamically route transactions across multiple liquidity sources (CEXs, DEXs, on/off-ramps) based on live price, latency, and cost. Achieve optimal execution for every user payment, reducing slippage and failed transactions.

< 500ms
Route Calculation
99.9%
Success Rate
02

Multi-Chain Sub-Account Management

Deploy and manage thousands of isolated, non-custodial sub-accounts programmatically. Each account operates on EVM-compatible chains (Ethereum, Polygon, Arbitrum) with granular permissions and automated fund sweeping.

10+
Supported Chains
Unlimited
Sub-Accounts
03

Gas Optimization Engine

Intelligent gas fee management with multi-layer strategies: EIP-1559 estimation, private mempool routing, and batch transaction bundling. Drastically reduce operational costs for high-frequency payment flows.

Up to 40%
Gas Savings
24/7
Fee Monitoring
04

Security & Compliance Layer

Built with institutional security standards. Features include MPC-based key management, real-time AML/sanctions screening via integrated providers, and comprehensive audit trails for every routed transaction.

SOC 2 Type II
Compliance
MPC
Key Management
05

Developer-First API

RESTful and WebSocket APIs for seamless integration. Complete with SDKs, webhook alerts for settlement events, and a sandbox environment for testing complex routing logic before going live.

< 2 weeks
Avg. Integration
99.95%
API Uptime SLA
06

Analytics & Settlement Reporting

Real-time dashboards and automated reports for transaction success rates, cost analysis per route, and sub-account activity. Export data for reconciliation and financial reporting.

Real-Time
Dashboard
Custom
Report Builder
benefits
TANGIBLE ROI

Business Outcomes: Beyond Technical Execution

Our Real-Time Payment Routing Sub-Account Infrastructure delivers more than code. It's a strategic asset that drives measurable business growth, operational efficiency, and competitive advantage for FinTechs and Web3 platforms.

01

Accelerate Time-to-Revenue

Launch new payment products in under 4 weeks with our pre-audited, modular infrastructure. We handle the complex routing logic and compliance, so you can focus on customer acquisition and go-to-market strategy.

< 4 weeks
Time-to-Launch
0 days
Smart Contract Audit Delay
02

Reduce Operational Overhead by 70%

Eliminate the need for in-house teams to build and maintain complex payment rails. Our managed infrastructure with 24/7 monitoring and automatic upgrades cuts operational costs and frees your engineers for core product work.

70%
OpEx Reduction
24/7
Managed Support
03

Guaranteed Transaction Finality & Uptime

Build trust with enterprise clients using our 99.95% SLA for infrastructure uptime and sub-second payment finality across integrated chains (Ethereum, Polygon, Arbitrum). No failed settlements, no reconciliation headaches.

99.95%
Uptime SLA
< 1 sec
Settlement Finality
04

Seamless Multi-Chain & Fiat Expansion

Future-proof your platform. Our architecture allows you to add new blockchain networks (Solana, Base) and fiat on/off-ramp partners (Stripe, Circle) in days, not months, capturing new markets as they emerge.

5+
Supported Chains
Days
New Chain Integration
06

Real-Time Analytics & Treasury Visibility

Gain instant insights into cash flow, sub-account balances, and routing performance. Our dashboard provides the data you need for treasury management, financial reporting, and optimizing payment flows.

Real-Time
Balance Updates
Custom
Reporting Dashboards
Scalable Infrastructure for Every Stage

Phased Implementation Tiers

Choose the implementation path that matches your current operational scale and security requirements for real-time payment routing.

Infrastructure CapabilityProof-of-ConceptProduction-ReadyEnterprise Scale

Multi-Chain Sub-Account Deployment

Custom Routing Logic (Gas Optimization)

Basic Rules

Advanced Rules

AI-Optimized & Dynamic

Smart Contract Audit Coverage

Critical Issues Only

Full Suite

Full Suite + Formal Verification

Transaction Monitoring & Alerting

Manual Dashboard

Automated Alerts

24/7 SOC Monitoring

SLA for Incident Response

Best Effort

8 Business Hours

1 Hour

Guaranteed Transaction Finality

< 60 seconds

< 5 seconds

< 2 seconds

Monthly Transaction Volume

Up to 10K

Up to 1M

Unlimited

Dedicated Infrastructure Engineer

On-Demand

Assigned

Compliance Reporting Module

Implementation Timeline

2-4 Weeks

4-8 Weeks

8-12 Weeks

Estimated Investment

$15K - $30K

$50K - $150K

Custom Quote

how-we-deliver
PROVEN PROCESS

Our Delivery Methodology: From Architecture to Go-Live

A structured, milestone-driven approach to deliver production-ready payment infrastructure. We manage the entire lifecycle, ensuring technical excellence and predictable timelines.

01

Architecture & Design Sprint

We conduct a 2-week collaborative sprint to define your multi-chain routing logic, sub-account structure, and security model. Deliverables include a technical specification and a detailed architecture diagram.

2 weeks
Duration
100%
Specification Complete
02

Smart Contract Development & Auditing

Our engineers build modular, gas-optimized smart contracts for account abstraction and payment routing. All code undergoes internal review and is prepared for a formal security audit by firms like Quantstamp or CertiK.

OpenZeppelin
Standards
Formal Audit
Security Step
03

Relayer & Indexer Integration

We deploy and configure the off-chain infrastructure: high-availability transaction relayers for gas sponsorship and real-time indexers for sub-account balance tracking and event monitoring.

99.9% SLA
Relayer Uptime
< 1 sec
Indexing Latency
04

Staging Environment Deployment

Your complete infrastructure is deployed to a private staging environment on testnets (Sepolia, Holesky). We execute comprehensive integration tests, load testing, and provide full documentation for your team.

Full Suite
Integration Tests
API Docs
Delivered
05

Security Audit & Penetration Testing

We facilitate and manage the engagement with a top-tier audit firm. We address all findings, provide a detailed remediation report, and conduct internal penetration testing on the deployed infrastructure.

Critical: 0
Audit Target
Remediated
All Issues
06

Production Go-Live & Monitoring

We manage the mainnet deployment, configure monitoring dashboards (Grafana), alerting (PagerDuty), and provide 24/7 incident response support for the first 30 days post-launch.

24/7 SRE
Launch Support
30 days
Included
Real-Time Payment Routing Infrastructure

Frequently Asked Questions

Get specific answers about our sub-account infrastructure for instant, multi-chain settlements.

A standard deployment for a multi-chain payment router with 5-10 supported assets takes 3-4 weeks. This includes smart contract development, integration with our sub-account API, and end-to-end testing. For more complex requirements like cross-chain atomic swaps or integration with proprietary ledgers, timelines extend to 6-8 weeks. We provide a detailed project plan within the first 3 days of engagement.

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
Real-Time Payment Routing Infrastructure | Chainscore Labs | ChainScore Guides