We architect and deploy custom smart contracts for DeFi, NFTs, DAOs, and enterprise applications. Our development process ensures security-first code with comprehensive audits, delivering contracts that are reliable from day one.
LABS
Services
Non-Custodial Card Solution Architecture
We architect and build end-to-end systems for crypto-backed debit cards where users retain sole custody of assets, using smart accounts and secure MPC protocols to authorize spends.
Chainscore © 2026
overview
CORE SERVICE
Smart Contract Development
Secure, production-ready smart contracts built to your exact specifications.
- From Concept to Mainnet: Full-cycle development including specification, implementation, testing, and deployment.
- Built on Standards:
ERC-20,ERC-721,ERC-1155, and custom logic using Solidity 0.8+ and OpenZeppelin libraries. - Security Guarantee: Every contract undergoes rigorous internal review and is prepared for third-party audits.
Reduce your time-to-market with battle-tested patterns and avoid costly vulnerabilities. We deliver contracts that are ready for high-value transactions and user trust.
key-features-cards
END-TO-END INFRASTRUCTURE
Core Architectural Components We Deliver
We build the foundational, production-ready systems that power your non-custodial card program. Each component is designed for security, scalability, and seamless integration.
02
On-Chain Transaction Engine
A high-performance relayer and bundler system that processes user operations, manages gas sponsorship, and ensures reliable on-chain settlement with sub-2 second latency for card transactions.
< 2 sec
Tx Latency
99.9%
Reliability SLA
03
Card Processor Gateway API
RESTful APIs that bridge traditional card networks (Visa/Mastercard) with blockchain. Handles authorization, settlement, and real-time balance checks against on-chain wallet states.
< 100ms
API Response
PCI DSS
Compliant
05
Real-Time Fraud & Risk Engine
AI-driven monitoring system that analyzes on-chain and off-chain patterns to detect and prevent fraudulent transactions before settlement, protecting user funds and issuer liability.
06
Compliance & Reporting Dashboard
Administrative dashboard for transaction monitoring, AML checks, audit trails, and automated regulatory reporting (Travel Rule, Tax) integrated with leading compliance providers.
benefits
ARCHITECT FOR SCALE
Business Outcomes for Your Card Program
Our non-custodial card architecture delivers measurable business results, from accelerated market entry to enhanced security and user trust. We build the infrastructure that powers your growth.
01
Accelerated Time-to-Market
Deploy a production-ready, compliant card program in under 4 weeks. Our modular architecture and pre-audited smart contracts eliminate months of development and security review cycles.
< 4 weeks
Deployment Time
Pre-Audited
Smart Contracts
02
Enterprise-Grade Security & Compliance
Build on a foundation of SOC 2 Type II audited infrastructure. Our non-custodial design ensures user funds are never at risk, while integrated KYC/AML modules streamline regulatory adherence.
SOC 2 Type II
Certified
Non-Custodial
Funds Security
03
Seamless Multi-Chain & Fiat Integration
Support users across Ethereum, Polygon, and Solana with a single integration. Our architecture handles cross-chain swaps and direct fiat on/off-ramps, abstracting complexity from your users.
3+ Chains
Native Support
Direct Fiat
On/Off Ramps
04
Reduced Operational Overhead
Cut backend engineering costs by over 60%. We manage the blockchain node infrastructure, transaction monitoring, gas optimization, and smart contract upgrades, letting you focus on product.
> 60%
Cost Reduction
Fully Managed
Infrastructure
05
Enhanced User Trust & Loyalty
Drive higher activation and retention with a self-custody experience. Users control their keys and assets directly, fostering greater trust and engagement with your brand.
Self-Custody
User Control
Higher Retention
Proven Model
06
Future-Proof Scalability
Designed to handle 10,000+ TPS and scale to millions of users. Our architecture supports programmable spending rules, multi-signature wallets, and easy integration of new DeFi protocols.
10k+ TPS
Throughput
Programmable
Spending Rules
Key Architectural Trade-offs
Custodial vs. Non-Custodial Card Architecture
A technical comparison of the two primary models for blockchain-powered payment cards, highlighting security, compliance, and operational differences.
| Architectural Component | Traditional Custodial Model | Chainscore Non-Custodial Model |
|---|---|---|
Private Key Control | Held by 3rd-party custodian | Held by end-user (self-custody) |
User Onboarding (KYC) | Required for all users | Optional; can be deferred to issuer |
Regulatory Complexity | High (full MSB licensing) | Reduced (partner with licensed issuer) |
Time to Launch | 12-18 months | 8-12 weeks |
Smart Contract Risk | Centralized settlement layer | Audited, on-chain settlement |
Fraud & Chargeback Liability | Issuer/Custodian bears risk | Programmable via smart contract rules |
Settlement Finality | 2-3 business days | Near-instant (on-chain confirmation) |
Infrastructure Cost (Year 1) | $500K - $2M+ | $150K - $500K |
Primary Use Case | Traditional fintech, mass retail | Web3 natives, crypto payroll, DAOs |
how-we-deliver
STRUCTURED FOR SPEED AND SECURITY
Our End-to-End Delivery Process
From initial design to production deployment, our proven 4-phase framework ensures your non-custodial card solution is delivered on time, on budget, and to the highest security standards.
01
Phase 1: Architecture & Design
We define the technical blueprint, including smart contract architecture (ERC-4337 for account abstraction), MPC key management design, and integration points with payment rails. This phase establishes the security model and project roadmap.
2-3 weeks
Design Sprint
100%
Requirement Sign-off
02
Phase 2: Core Smart Contract Development
Our team builds, tests, and iterates on the core smart contracts for wallet management, transaction sponsorship, and on-chain settlement. We implement gas optimization patterns and OpenZeppelin security standards.
Solidity 0.8+
Language
OpenZeppelin
Security Base
03
Phase 3: Security Audit & Penetration Testing
Every line of code undergoes rigorous internal review followed by a formal audit from a top-tier third-party firm. We conduct penetration testing on the full stack, from front-end to blockchain nodes.
2 Audits
Minimum
0 Critical
Guarantee
04
Phase 4: Deployment & Integration
We manage the deployment to your chosen EVM network (Mainnet, Arbitrum, Polygon), configure the backend relayers and indexers, and integrate with your existing systems for a seamless launch.
< 1 week
Go-Live
24/7
Launch Support
security-compliance
CORE SERVICE
Smart Contract Development
Secure, production-ready smart contracts built for scale and compliance.
We architect and deploy custom smart contracts that power your core business logic—from tokenomics to governance. Our development process is built on security-first principles and proven patterns.
- Audit-Ready Code: Built with
Solidity 0.8+,OpenZeppelinlibraries, and comprehensive unit/integration tests. - Gas Optimization: Expert-level tuning for up to 40% lower transaction costs on mainnet.
- Full Lifecycle Support: Development, deployment, verification, and upgrade management via
TransparentorUUPSproxies.
Deliver a secure, auditable, and maintainable contract suite in as little as 4 weeks.
Non-Custodial Card Architecture
Frequently Asked Questions
Get clear, technical answers about our end-to-end card solution development process, security, and support.
A complete, production-ready non-custodial card solution typically takes 8-12 weeks from kickoff to mainnet launch. This includes smart contract development (3-4 weeks), off-chain backend & API integration (3-4 weeks), security audits (2 weeks), and final deployment. We provide a detailed sprint-by-sprint roadmap on day one.
ENQUIRY
Get In Touch
today.
Our experts will offer a free quote and a 30min call to discuss your project.
NDA Protected
Confidentiality24h Response
Time to ValueDirectly to Engineering Team
No Sales Fluff10+
Protocols Shipped
$20M+
TVL Overall