Abstract
The global adoption of cryptocurrency is accelerating, yet many merchants and businesses face challenges integrating blockchain‑based payments into their existing systems. NIUQI PAY is a next‑generation crypto payment gateway designed to bridge this gap by providing fast, secure, and cost‑efficient payment processing for cryptocurrencies and stablecoins. With an emphasis on speed, compliance, scalability, and user experience, NIUQI PAY aims to become the preferred solution for merchants worldwide who wish to accept digital assets without the complexities of traditional payment processors.
1. Introduction
In the last decade, cryptocurrencies have transformed from speculative assets into a legitimate form of payment. However, the current infrastructure for accepting digital assets is fragmented, often lacking in user‑friendliness, security, and regulatory compliance.
NIUQI PAY offers a comprehensive solution that combines the efficiency of blockchain with the usability of traditional payment systems. Our gateway enables merchants to:
- Accept multiple cryptocurrencies and stablecoins.
- Receive settlements in crypto or fiat.
- Benefit from low transaction fees compared to card processors.
- Ensure compliance with global AML/KYC regulations.
2. Key Features
Multi‑Currency Support
Bitcoin (BTC), Ethereum (ETH), USDT, USDC, BNB, and other major assets, with future integrations across emerging chains.
Instant Settlement
Flexible settlement in crypto or local fiat with configurable schedules.
Low Fees
Transparent pricing, up to 80% cheaper than traditional card rails.
Security First
Multi‑sig wallets, cold storage reserves, end‑to‑end encryption, and AI‑driven fraud detection.
Developer‑Friendly
REST APIs, SDKs, and plugins for Shopify, WooCommerce, Magento, and custom platforms.
Compliance‑Ready
Built‑in KYC/AML flows aligned with FATF recommendations and regional rules.
3. Technology Architecture
NIUQI PAY’s stack is composed of modular layers:
- Payment Gateway Layer — Parses and verifies on‑chain transactions and posts confirmations in real‑time.
- Settlement Engine — Converts assets to a merchant’s preferred currency instantly or on‑demand.
- Security Layer — Encryption at rest and in transit, risk scoring, and anomaly detection.
- Developer Layer — SDKs, RESTful endpoints, and documentation for rapid integration.
Note: Production deployments follow a defense‑in‑depth model with least‑privilege access controls and continuous monitoring.
4. Token Utility (Roadmap)
- Discounted gateway fees when paying in NQT.
- Staking tiers unlocking higher limits and premium support.
- Community governance for upgrades and treasury use.
5. Revenue Model
- Processing fees: 0.5% – 1.5%.
- Optional FX/conversion spreads.
- Premium merchant subscriptions.
- Enterprise API SLAs.
6. Roadmap
- Q3 2025 — Beta launch and first merchant onboardings.
- Q4 2025 — Merchant dashboard, API, and Shopify/WooCommerce plugins.
- Q1 2026 — Support for 20+ cryptocurrencies and stablecoins.
- Q2 2026 — Launch of NQT token.
- Q3 2026 — Global go‑to‑market across 50+ countries.
7. Security & Compliance
- Regulatory alignment with KYC/AML policies across operating regions.
- ML‑based fraud monitoring and transaction risk scoring.
- Custody policy: 95% cold storage, 5% hot wallet liquidity.
8. Conclusion
NIUQI PAY is positioned to help merchants accept digital assets safely and efficiently. By merging best‑in‑class security with an excellent developer and merchant experience, NIUQI PAY aims to become a trusted global payment layer for the crypto economy.