KuvarPay

🚀 What is KuvarPay?

KuvarPay is a next-generation payment gateway that allows African businesses to accept payments in over 1,300 cryptocurrencies and receive instant settlements directly in their local currencies — no volatility, no manual conversions, no friction.

Our system supports both one-time checkouts and fully automated recurring or dynamic billing, making it the most flexible crypto payment infrastructure for African merchants today.

💡 Problem We’re Solving

African businesses face major barriers in global payments:

• Difficulty accepting crypto payments at scale

• Complex wallet management and conversion processes

• High cross-border payment costs and delays

• No reliable crypto-based recurring billing infrastructure

KuvarPay solves this by providing a unified system that:

• Accepts 1300+ cryptocurrencies

• Converts automatically to local fiat currencies

• Handles recurring and dynamic payments seamlessly

• Gives merchants analytics, invoices, and payout tracking — all in one dashboard

⚙️ How KuvarPay Works

1. Customer Checkout:
   The customer selects “Pay with Crypto” at checkout and chooses any supported cryptocurrency.

2. Payment Confirmation:
   KuvarPay verifies the on-chain transaction and locks the payment value in real-time.

3. Instant Local Settlement:
   The crypto payment is instantly converted and settled directly in the merchant’s local currency (e.g., NGN, RWF, GHS, KES).

4. Recurring & Dynamic Billing System:

   • Recurring Mode: Merchants set up fixed billing cycles (daily, weekly, or monthly). KuvarPay automates renewals, retries failed charges, and notifies merchants.

   • Dynamic Billing Mode: Merchants charge flexible amounts based on usage, metered data, or dynamic pricing (e.g., per API call, delivery, or transaction volume).

Both payment types are now fully live in our MVP.
Test Checkout integration here: https://shop.raycre8.website

🧩 Technical Architecture

• Frontend: Next.js + TypeScript

• Backend: Node.js + Express + Fastify

• Blockchain Layer: ethers.js / web3.js for multi-chain monitoring and transaction validation

• Billing Engine: Hybrid smart contract + off-chain scheduler to handle both fixed and metered recurring payments

• Database: PostgreSQL for merchants, customers, and invoices

• Settlement Engine: Real-time FX conversion through liquidity APIs + payout integration with local partners (e.g., Paystack, Flutterwave)

• Security: Non-custodial crypto flow, data encryption, and Smile ID-powered merchant KYC

🌍 Core Features

💼 Use Cases

• SaaS & APIs: Bill users in crypto on a recurring or usage-based model.

• E-commerce & Online Stores: Accept crypto payments from global buyers, receive instant fiat locally.

• Freelancers & Service Providers: Receive crypto from anywhere, get settled in local currency.

• Membership Platforms: Manage subscriptions in crypto effortlessly.

🔭 Vision

KuvarPay’s mission is to make crypto payments mainstream across Africa — empowering businesses to transact globally while getting paid locally.
We’re building Africa’s first crypto-fiat bridge that makes it as easy to accept Bitcoin as it is to accept mobile money.

Our long-term vision is to extend KuvarPay globally, merging crypto, fiat, and blockchain-based fiat transfers into a single seamless payment layer.

Our hackathon MVP already includes:

• ✅ Fully functional crypto checkout

• ✅ Working recurring + dynamic billing engine

• ✅ Instant fiat settlement for African currencies

• ✅ Merchant dashboard and developer APIs

Focus areas:

• User experience and merchant onboarding

• Security and on-chain monitoring

• Extensible API for third-party integrations

🪙 Future Roadmap